vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent this to them over 30 days ago, but have not gotten a reply. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute and Request for Permanent Deletion of Inaccurate, Incomplete, and Unverifiable Accounts Pursuant to FCRA 602623, FDCPA 807, and Metro 2 Compliance Standards Dear TransUnion Dispute Department, I am formally disputing the following negative and derogatory accounts appearing on my TransUnion credit file. After reviewing my full consumer disclosure, I have found multiple items that are unverifiable, inaccurate, outdated, and nonMetro 2 compliant, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
The following accounts are disputed in full for immediate deletion : XXXX. XXXX XXXX XXXX Multiple listings ( Acct. XXXX. XXXX, XXXX, XXXX, XXXX ) show balances reported on XXXX with Original Creditor : Not Available. These entries violate FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( A ) due to lack of source verification and failure to report accurate data. They must be permanently removed. 
XXXX XXXX XXXX XXXX ( Acct. XXXX ) Balance reported XX/XX/2025 with no verifiable original creditor ; violates FCRA 609 ( a ) ( 1 ) ( failure to provide source ) and 607 ( b ) ( reasonable accuracy requirement ). 
XXXX. XXXXXXXX XXXX XXXXXXXX ( Acct. XXXX XXXX XXXX XXXX XXXX XXXX Duplicate reporting under varying names ( XXXX XXXX XXXX XXXX ). This constitutes duplicate derogatory reporting under 15 U.S.C. 1681s-2 ( b ) and must be deleted immediately. 
XXXX. XXXX XXXX ( Acct. XXXXXXXX ) Incorrectly showing {$15000.00} Past Due though the account was closed XXXX  ; violates Metro 2 guidelines for closed accounts. 
XXXX. XXXX XXXX XXXX Bank ( Acct. XXXX XXXX  ), XXXX XXXX ( Acct. XXXX XXXX ), and XXXX XXXX XXXX Acct. XXXX ... ) Contain late payment and charge-off data that is inconsistent between bureaus and unverifiable per FCRA 611 ( a ). 
Under FCRA 611 ( a ) ( 1 ) ( A ), you are legally obligated to reinvestigate and delete or correct these items within 30 days. Under FDCPA 807 ( 8 ), continued reporting of disputed or unverifiable information constitutes misrepresentation. 
Demand for Compliance : If you can not verify each disputed entry within the required period, I demand immediate permanent deletion of all disputed accounts. Continued reporting of unverifiable data will constitute willful noncompliance under 15 U.S.C. 1681n and will result in further action, including complaint filings with the Consumer Financial Protection Bureau ( CFPB ), FTC, and the Florida Attorney General.

Please mail me written confirmation of deletion or correction within 30 days as required by FCRA 611 ( a ) ( 6 ) ( B ) ( ii ). 
Sincerely, _________________________ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over XXXX  days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over XXXX  days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I sent a cease and desist letter to them with no impact i have attached the letter in support of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check ( {$2600.00} ) at Chase Bank issued by XXXXXXXX XXXX ( Check # XXXX, Contractor License # XXXX, owner : XXXX XXXX XXXX also known as XXXX XXXX XXXXXXXX ) on XX/XX/year> by Mobile deposit check. 

Chase placed a hold on the funds due to inability to verify the maker by phone. The number Chase attempted to call was the old landline on file XXXX which is no longer active. 

The maker has provided the current active phone number : XXXX, which has been in use for over 5 years without any change. However, Chase refused to accept the updated number, stating it does not match carrier records. This is incorrect, as the number is active and current. 

The maker personally went to a XXXX XXXX branch to verify identity and confirm the legitimacy of the check. XXXX XXXX confirmed : the check is valid the signature is authentic funds were released to Chase Despite this, Chase continues to deny verification and told the maker to update the phone number with the carrier, even though the current number has not changed for 5 years and is already active.

Chase is refusing alternate verification methods, including in-person identity confirmation by the maker at XXXX XXXX XXXX 

As a result, my funds are being held indefinitely even though the issuing bank and the maker have confirmed the checks validity. 

I am requesting CFPB assistance to require Chase to release the funds or accept verified contact information, written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update XXXX records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I have repeatedly tried to contact your Mohela over the past several months to ask simple questions regarding the status and repayment of my student loans. Unfortunately, I have been unable to reach a representative. Each attempt results in being redirected through automated messaging, which ultimately leads me back to the starting point without any resolution. This process has been extremely frustrating and leaves me, as a borrower, concerned and confused about the management of my loans. 

Additionally, I set up automatic payments back in XXXX- the XXXX and XXXX payments went through but on XX/XX/XXXX, and the full payment of {$770.00} was successfully processed. However, on XX/XX/XXXX, the funds were reversed and returned to my bank account without my approval. Then, this morning ( XX/XX/XXXX ), I received a letter stating that I had missed a payment. I tried to call to speak to someone to figure out what is happening- no one answers the phone, it is a circular automatic messaging system that goes around and around and is completely unhelpful. 

Could someone please clarify what happened? Why was my payment refunded, and why am I receiving a missed payment notice despite having paid on time? I would also appreciate clear guidance on how to reach a live representative to resolve these issues. This is not the first time I have had issues getting in touch with someone at Mohela- they send communication that contradicts itself back to back via email, no one answers the phone and it seems as if intentionally, they don't answer their phones or have any customer service persons to answer any questions. As a federally agency or agency servicing individuals with federal loans this is completely unacceptable.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this formal complaint against Affirm for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in connection with the handling and reporting of a charge-off account appearing on my credit report.

Account Information : * Creditor Name : XXXX  * Account Number ( Last 4 Digits ) : XXXX XXXX Date of Charge-Off : XX/XX/XXXX * Reported Balance : {$6600.00} After reviewing my credit report and corresponding documentation, I found that XXXX  has continued to report or verify inaccurate, misleading, and incomplete information to consumer reporting agencies in violation of federal law.

Specifically, I allege the following violations : 1. 15 U.S.C. 1692e Prohibition of false, deceptive, or misleading representations.The agency has misrepresented the legal status of the alleged debt by reporting it as charged off and due, despite it being [ paid, settled, disputed, or otherwise invalid ].

2. 15 U.S.C. 1692f Unfair or unconscionable means to collect or attempt to collect a debt.Reporting and verifying an inaccurate or invalid account with the intent to damage my credit standing constitutes an unfair practice.

3. 15 U.S.C. 1692g Failure to provide proper debt validation.Despite my written request for validation of this alleged debt on [ Date of Request ], the agency failed to provide adequate verification, yet continues to report and collect on this account.

Additionally, by continuing to report inaccurate information and failing to investigate or correct these errors, XXXX is in violation of : * 15 U.S.C. 1681s-2 ( b ) under the FCRA, which requires furnishers of information to conduct proper investigations and correct inaccuracies after receiving notice of dispute.

I have attempted to resolve this matter directly with XXXX through written correspondence on XX/XX/XXXX, but they have failed to provide any satisfactory resolution or documentation. Copies of my communications and credit report entries are attached for reference. 
I am requesting that the CFPB investigate this matter and take enforcement action to ensure that XXXX and other third party companies permanently deletes this inaccurate charge-off account from all consumer reporting agencies ( Experian, Equifax, and TransUnion ) within 10 calendar days of receiving this notice.

I trust the CFPB will take appropriate steps to address these ongoing violations and hold XXXX and other third party companies accountable for noncompliance with federal consumer protection laws. 
Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their\nresponsibility must consist of something more than merely parroting information received from other sources.\n\n\n\n \n\ninformation which cannot be verified.\n \npromptly DELETE allXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXDELINQ 90 XXXXXXXXHistory: XXXX XXXXLate Dates: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELINQ 60 XXXXHistory: XXXX XXXXLate Dates: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOn removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed. Thanking you in advance for your anticipated quick co-operation on this matter.\n\nThank you,XXXX XXXX XXXX XXXXAttached: Copy of my Social Security Card & Drivers License is attached Sent: USPS Certified Mail\n\n\n\n\n\n\n\n\n\n\n\n\n\nCOPY of SSN CARD'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
1 ) CREDENCE RESOURCE XXXX  : This account was assigned to my ex-spouse in my divorce decree and is not my responsibility. I formally dispute this reporting and demand immediate deletion from my credit report under FCRA.

2 ) XXXX XXXX XXXX XXXXXXXX : This account was assigned to my ex-spouse in my divorce decree and is not my responsibility. I formally dispute this reporting and demand immediate deletion from my credit report under FCRA.

Company response to consumer: Closed with non-monetary relief