vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: OH

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding unauthorized credit inquiries that have been reported on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These inquiries was not authorized by me, and its presence is negatively impacting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a credit inquiry must have my explicit consent before it is reported. Since I did not give consent for these inquiries, they are a violation of my rights and must be removed from my credit report immediately.

The continued presence of these unauthorized inquiries is unfairly affecting my ability to obtain credit and harming my financial standing. This also violates 15 USC 1681e ( b ) for not maintaining the maximum possible accuracy on the information which they reported.

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 2025-12-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have submitted multiple disputes to Equifax regarding inaccurate information on my credit report. Despite these repeated disputes and follow-ups, Equifax has failed to meaningfully respond. The disputed items remain unchanged, and Equifax has not provided any evidence of verification, documentation from the furnisher, or indication that a reasonable investigation was conducted.

Equifaxs responses have been conclusory and do not address the substance of my disputes. This pattern indicates that Equifax is not properly investigating or verifying the disputed information as required. As a result, inaccurate information continues to be reported, and I am being denied the ability to ensure the accuracy of my credit file.

This CFPB complaint is my final attempt to give Equifax the opportunity to correct these failures and comply with its obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my FICO score, causing difficulties in maintaining my financial stability.

I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong FICO score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment. 

Thank you for your support and cooperation in correcting these inaccuracies.

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 2025-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I am in PSLF program and repaying my Loans with Mohela.

I made a pre-payment to cover my next 12 months of payments.

I made a payment of {$17000.00} on XX/XX/XXXX. I received a statement every month afterwards that stated my monthly payments were covered and I owed {$0.00} for that month. 
I did this again on XX/XX/XXXX in the amount of {$20000.00}. 

Despite this Mohela has not included the subsequent months where I was compliant on my loans- showing on my account ledger that I paid the {$0.00} due for each month. Because of this those months do not get transferred back into MyFedLoans and count toward my PSLF. 

I called and messaged Mohela multiple times and recieved no answer. Last month I got through to the manager and she told me she would fix it - yet well after the 10 business window, nothing has been accounted for and there is no record of our communication.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/year>, I mistakenly sent a Cash App payment of {$520.00} to a recipient I do not know. As soon as I realized the error, I attempted to cancel the transaction ; however, Cash App does not provide an option to cancel a payment once it is sent. Within minutes of the transaction, I requested a refund directly from the recipient, but the funds were not returned. 

Immediately thereafter, I contacted Cash App to report the mistake and initiated a dispute. All of these actions occurred within minutes of the original transaction. On XX/XX/XXXX, I received a response from Cash App stating that my request for a refund was denied because the transaction was sent from a device in my possession. 

At no point did I deny authorizing the transaction or claim that I did not have access to my device. This was an honest mistake, not fraudulent activity. Errors such as this do happen, and consumers should have reasonable protections in place when an error is reported promptly. It is unfair for an unknown recipient to benefit from funds that were never intended for them, especially when the issue was reported immediately. 

I respectfully request that this matter be reconsidered and that appropriate measures be taken to recover the funds or improve Cash Apps processes for handling transactions sent in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I dont have any ties to these accounts and didnt approve them. Please take a closer look and delete them. Proof is attached.

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 2025-12-16 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: NY

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA.

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING.

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER 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 2025-12-16 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX Late Payments XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-16 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain accounts reported inaccurately on my credit report. Below is a detailed breakdown of the accounts I am disputing for each bureau. 

Charged Off 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 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: NC

Complaint narrative:
My mortgage loan was placed into an approved disaster forbearance related to a federally declared disaster affecting my property in XXXX XXXX, North Carolina. The property has remained inaccessible, uninhabitable, and impacted for an extended period. 

After approximately 12 months in disaster forbearance, the forbearance expired without any prior written notice, explanation, or transition guidance. I received no documentation stating that the forbearance would end, no notice that payments would resume, and no information regarding next steps or loss mitigation options.

Immediately following the unexplained expiration of forbearance, the servicer reported the loan as delinquent to consumer reporting agencies, resulting in an approximately 200-point drop in

my credit score. When I contacted the servicer to request clarification and an extension, I was informed that disaster forbearance was allegedly limited to 12 months, and that this was the reason further forbearance was denied. However, I was also explicitly told by a service representative that no written documentation, policy, or guideline exists stating that disaster forbearance is limited to 12 months, and that there are no documented term limitations governing such forbearance. Despite the absence of any documented policy supporting a 12-month limitation, the servicer denied further forbearance, failed to offer or apply the previously represented payment deferral to the back of the loan, and treated the loan as delinquent. Why this is a problem The servicer failed to provide advance written notice of forbearance expiration and inability to apply for additional extensions The servicer denied loss mitigation based on an undocumented and inconsistently applied limitation The servicer failed to honor or apply promised disaster-related loss mitigation options The servicer furnished inaccurate and misleading delinquency information to consumer reporting agencies These actions caused severe and immediate consumer harm, including a substantial and unjustified credit score decline These actions appear inconsistent with RESPA ( Regulation X ) mortgage servicing requirements and FCRA credit reporting obligations.

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 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
When I noticed the inquire on my credit report for XXXX  I called them and told them it was not authorized by me. I also called the credit card company told them I never heard of them. Now there are late payments being reported to my XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in questions, and they are negatively impacting my credit. Per section15 USC 1681 c-2, any fraudulent accounts I did not authorize or sign a contract for must be removed off my credit report in 4 days! 

These Fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I received a promotional mailer from Santander Bank addressed to my name at my home address. The terms were as follows : If I opened a Money Market Savings Account with Santander by XX/XX/year>, and deposited a minimum of {$20000.00} not already on deposit with Santander, then keep it in the account for 90 days, then Santander would credit the account with {$300.00} in bonus funding within 30 days after the requirements have been met and the account has been open for 90 days. I opened the Money Market Savings Account on XX/XX/year> and {$20000.00} was deposited to the account ending in XXXX XXXXXXXX on XX/XX/year>. None of the original deposit was ever withdrawn. The promotional bonus of {$300.00} should have posted to the account in XX/XX/year> per the terms of the offer. I have spoken to Santander customer service who has indicated that I did not meet the terms of the offer as " I did not meet the average daily balance. '' Average daily balance is not referenced on the terms of this specific promotional offer. Even if average daily balance was part of the terms, all of the {$20000.00} was posted on the same day ( XX/XX/year> ), and would still qualify. Santander has also provided other false reasons for why the bonus would not have been paid including that the {$20000.00} needed to be a direct deposit. That is not the terms on the promotional mailer for the {$300.00} savings account promotion. Santander is confusing the terms between the checking account promotion listed on the same mailer. I've attached a copy of the original promotional mailer from Santander showing the terms of the offer. I've also attached evidence of all transactions to this account since it was opened, showing the {$20000.00} in deposits on XX/XX/year>. Santander is violating the terms of their own promotional offer.

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 2025-12-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Was signed up for overdraft on card, but don't want to be
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I set up my Venmo account I had my son send me {$5.00} to test account I send {$5.00} back to my son to test. Everything worked as expected. My other son send me and I successfully received {$900.00} in my account I made 2 other transactions sending payments successfully Now my account is locked with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following inaccurate information on my credit reports. I have reviewed my credit reports from all three major bureaus, and I believe the information listed below is incorrect or incomplete. Please investigate and correct these errors as soon as possible. 

INQUIRIES : XXXX, XX/XX/XXXX XXXX CARD, XX/XX/XXXX XXXX, XX/XX/XXXX LATE PAYMENT : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  ( Late payment 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 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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