vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint regarding multiple hard inquiries that appear on my Equifax credit report. I recently reviewed my credit file and found several inquiries that I do not recognize or recall authorizing. Many of these occurred during times when I was not actively applying for new credit. 

These inquiries are : 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 XXXXXX/XX/XXXX These entries are negatively affecting my credit score, currently at XXXX, and may inaccurately reflect my credit-seeking behavior. I suspect some inquiries may have been the result of pre-approvals, dealership visits, or other instances where proper disclosure and consent were not given.

Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that Equifax perform a reinvestigation of each listed inquiry. The relevant provisions supporting this request include : FCRA 604 ( a ) ( 3 ) : Consumer reports may only be accessed for permissible purposes with proper authorization. 
FCRA 607 ( a ) : Credit bureaus must maintain procedures to ensure that only those with a valid purpose can access consumer reports.

FCRA 611 ( a ) : I have the right to dispute any information and request a reinvestigation, with results provided within 30 days. 
FCRA 602 ( a ) : Inaccurate or unauthorized reporting can cause unjust harm and undermine consumer confidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Lender removed me from in school deferment status without warrant and demanded payment. Made negative credit reporting for missed payment against myself and co signer, despite my university and clearinghouse verifying status multiple, unnecessary times. First they stated I was re-verified and would update account to reflect. Endless harassing calls for payment and a week later I reached out and then was told I " maxed out '' my deferment months. I was told this expectation would be reflected in the promissory note, it was not. I then repeatedly asked for transparency and account documents, policies, supporting procedures, etc. and was only given an XXXX spreadsheet looking document that vaguely outlined payment dates and change of status. Again, asked for further information and documentation without success, despite stating I would escalate. Then was told on the phone I don't qualify because my loan dictates that 48 months from the first dispursement date I not longer can be in school deferment, which directly contradicts me being approved for deferment XXXX, but also that language and standard was not detailed anywhere in the original contract. Final attempt for documents and resolution, was told that I needed a court ordered subpoena to get ANY further information about anything on my account, because deferment and account details are determined using internal policies which can't be shared. Still making {$600.00} payments I cant afford, Bad credit report mark, behind on my HOA and electric bill because I can't afford it. Conflicting reasons why this happened, being told its supported in documents when it isn't, being taken from deferment without change of status in the first place,, more than once. The website doesn't provide full monthly statements to truly track payments. The payment history document looks homemade. Document language is vague. No resources on the website in any capacity. No details or viable opportunities for IDR so forbearance exhausted immediately... even though this was about deferment somehow XXXX of the correspondences stated it was forbearance months. My interest rates have gone up to 13.99 %, the least they can do is provide a full stock of accurate and detailed monthly statements ... or even allow me to finish the degree before forcing me into payments I can't afford unexpectedly and not even be able to explain why they did it or how its legal. These loans dictate my entire financial existence and quite literally my happiness, I will die with them. They could just try to be ethical and maybe even supportive with options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
You are hereby notified that the items below are being disputed as inaccurate and unverifiable. According to FCRA 609 and 611, you must provide a complete investigation and validation of these accounts within 30 days. If you are unable to do so, you are obligated to delete the entries from my credit report. Please comply promptly to avoid further action. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
You are hereby notified that the items below are being disputed as inaccurate and unverifiable. According to FCRA 609 and 611, you must provide a complete investigation and validation of these accounts within 30 days. If you are unable to do so, you are obligated to delete the entries from my credit report. Please comply promptly to avoid further action. 
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 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 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NV

Complaint narrative:
XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX im unawre of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide " certified mail with receipt displaying my signature. if not, please delete account # # XXXXXXXX XXXX XXXX XXXX XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding several accounts that continue to be inaccurately reported on my credit reports with Equifax, Experian, and TransUnion, despite prior disputes and deletions from other bureaus. These accounts contain unverifiable balances, reporting inconsistencies, and potential violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The accounts in question are : XXXX Original Creditor XXXX XXXX Account # : XXXX Balance : {$14000.00} Last Activity : XX/XX/XXXX This account is being reported by a third-party collector. 
XXXX XXXXXXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX  Account # : XXXX Balance : {$5000.00} Last Activity : XX/XX/XXXX This account has been removed from Experian and TransUnion but remains on Equifax. 
XXXX XXXX Account # : XXXX XXXX : {$1100.00} This account persists on Equifax despite deletion from other bureaus. 
XXXX XXXX XXXX Account # : XXXX Balance : {$940.00} Last Activity : XX/XX/XXXX Deleted from Experian yet still reported by Equifax. 
XXXX Account # : XXXX Balance : {$390.00} Last Activity : XX/XX/XXXX The most recent collection item, requiring full validation. Without documentation of the original creditor, payment history, and contractual obligation, the account can not legally remain. These accounts have not been properly verified or corrected, despite my rights under federal law. Under FCRA 611, credit bureaus are required to conduct a reasonable reinvestigation of disputed information and remove unverifiable or inaccurate data. Under FCRA 623, furnishers must report only accurate and complete information. Additionally, under FDCPA 807, 808, and 809, debt collectors must provide validation and accurate information when reporting debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding several accounts that continue to be inaccurately reported on my credit reports with Equifax, Experian, and TransUnion, despite prior disputes and deletions from other bureaus. These accounts contain unverifiable balances, reporting inconsistencies, and potential violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The accounts in question are : XXXX Original Creditor XXXX XXXX Account # : XXXX Balance : {$14000.00} Last Activity : XX/XX/XXXX This account is being reported by a third-party collector. 
XXXX XXXXXXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX  Account # : XXXX Balance : {$5000.00} Last Activity : XX/XX/XXXX This account has been removed from Experian and TransUnion but remains on Equifax. 
XXXX XXXX Account # : XXXX XXXX : {$1100.00} This account persists on Equifax despite deletion from other bureaus. 
XXXX XXXX XXXX Account # : XXXX Balance : {$940.00} Last Activity : XX/XX/XXXX Deleted from Experian yet still reported by Equifax. 
XXXX Account # : XXXX Balance : {$390.00} Last Activity : XX/XX/XXXX The most recent collection item, requiring full validation. Without documentation of the original creditor, payment history, and contractual obligation, the account can not legally remain. These accounts have not been properly verified or corrected, despite my rights under federal law. Under FCRA 611, credit bureaus are required to conduct a reasonable reinvestigation of disputed information and remove unverifiable or inaccurate data. Under FCRA 623, furnishers must report only accurate and complete information. Additionally, under FDCPA 807, 808, and 809, debt collectors must provide validation and accurate information when reporting debts.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
I am requesting a refund of the {$790.00} appraisal fee associated with my construction-to-permanent loan application with First National Bank ( FNB ) , as well as reimbursement of the {$6000.00} charged by my builder, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX which we were forced to pay due to FNBs last-minute requirement that XXXX manage site work and pay contractors directly. 

We worked with XXXX XXXX, Lending Consultant, at FNB for nearly six months to secure financing. Just one to two weeks before we were set to schedule closing, XXXX XXXX disclosed that he had significantly underestimated our tax obligations. This error dramatically altered the loan terms and made it financially impossible for us to proceed. 

Following this revelation, XXXX XXXX stopped all communication. The last contact was on XX/XX/XXXX, when we requested a call to discuss the situation. Despite multiple calls, e-mails, and texts, he ignored us. 

As a result of his miscalculations and lack of responsiveness, we : - Paid for an appraisal that is now unusable ( {$790.00} ) - Incurred {$6000.00} in charges from XXXX, who were forced to step in and manage site work to satisfy FNBs requirements- Incurred additional fees with a new lender, a second appraisal, and a month-long construction delay - Experienced unnecessary financial and emotional stress On XX/XX/XXXX, I formally requested a refund of the appraisal fee, but XXXX XXXX ignored me. On XX/XX/XXXX, XXXX customer service department said they would request a response from him ; again, no response. Beginning XX/XX/XXXXXXXX, I requested escalation beyond XXXX XXXX, yet as of the end of XXXX, I have been ignored despite numerous secure and non-secure emails. 

This is a clear case of professional negligence, misrepresentation, and failure of communication by both XXXX XXXX and FNB. Given the financial harm caused, I am requesting a full refund of {$6700.00} ( {$790.00} appraisal fee + {$6000.00} builder charge ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My personal information was stolen and used to open an account without my knowledge or permission. I did not apply for or authorize this account. 
Creditor/Institution : NAVY FCU Account Number : XXXX Date discovered : XX/XX/2024 I first learned of this account when I was contacted by the creditor. I immediately took steps to address the identity theft, including : Filing an FTC Identity Theft Report Report # XXXX Filing a police report Report # XXXX Sending dispute letters to the credit bureaus and creditor, including supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My personal information was stolen and used to open an account without my knowledge or permission. I did not apply for or authorize this account. 
Creditor/Institution : CAPITAL ONE Account Number : XXXX Date discovered : XX/XX/year>2024 I first learned of this account when I was contacted by the creditor. I immediately took steps to address the identity theft, including : Filing an FTC Identity Theft Report Report # XXXX Filing a police report Report # XXXX Sending dispute letters to the credit bureaus and creditor, including supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Figure Technologies, Inc
State: CA

Complaint narrative:
This is a follow-up to my open CFPB complaints regarding FIGURE LENDING LLC XXXX 
Complaint # XXXX Complaint # XXXX Since filing my credit bureau dispute on XX/XX/year> and my initial CFPB complaint on XX/XX/year>, I have observed additional actions by the creditor that raise further concern : On XX/XX/year>, FIGURE LENDING LLC flagged my account as : 90 days past due Not more than XXXX payments past due These entries were added before my XX/XX/XXXX payment due date and without any investigation, resolution, or new delinquency occurring. 

On XX/XX/year>, a second entry from FIGURE TECH/FIGURE LEN reported the same 90-day delinquency, suggesting possible duplicate reporting under two separate entity names.

On XXXX XXXX XXXX, I received a welcome letter from a debt collection agency, indicating that my account had been transferred or soldwhile still under active dispute. The original creditor has not updated the account to reflect closed, transferred, or sold status. 

As of today, the account continues to report inaccurately, with multiple late flags, duplicate entries, and no indication of transfer, which damages my credit profile. 

These actions appear retaliatory, occurring immediately after I exercised my legal right to dispute. The premature reporting, duplicate entries, and failure to update the tradeline appear to violate FCRA 15 U.S. Code 1681s2 ( b ) and may also conflict with FDCPA regulations concerning account handling during disputes and transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> - Over {$13000.00} was used on my card and statement was said that it was authorized. I instantly called wells fargo to disable my card and sent me a new one. After waiting for some time they just closed my case and didnt even notify me at all. Ive just gotten my money stolen and used on a casino website that I havent visited for days and now the bank wont even look into it or provide anything for me. I contacted the merchant themselves to see if they can lock down my account, but they never did at all.Wells Fargo whoever worked in your department didnt even check thoroughly and made me lose on over {$14000.00} and the agent didnt even include the actual amount stolen and used that some person hacked onto my account from the website and used all my funds I want it returned back this is ridiculous you didnt even give me temp credit at all and I was already crying enough that I have missing funds when someone took it like XXXX?! The merchant didnt even provide customer support until it was too late they didnt even bother locking my account at all until I had to find loopholes to contact support its stupid.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

XXXX XXXX ACCOUNT # 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