vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NBT BANCORP INC.
State: CT

Complaint narrative:
My family received a construction loan from NBT Bank N.A. ( XXXX XXXX, XXXX  XXXX ) for a major property renovation in XXXX XXXXXXXX XXXX The program provided for disbursement of construction loan funds in five draws as work progressed. NBT Banks first disbursement ( Draw 1 ) was a large one given the scope coverage ( {$160000.00} ). The program involves a construction loan that converts to a permanent mortgage up renovation completion. 

As we worked toward closure on our construction loan with NBT Bank, we advanced renovation work scope using a combination of contractor resources ( lines of credit, etc. ) and our familys personal funds. As a result, a settlement of the first loan disbursement from the Bank ( for Draw 1 work scope ) was expected to reimburse both parties for their capital outlay. Our ( customer ) portion of that disbursement {$84000.00}. 

NBT Banks construction lending procedures made it clear that the draw disbursement checks from our loan funds would be made out to both the owner/borrower and the contractor as joint payees if requested in writing. I made that request, and it was not honored. NBT made the disbursement check of our funds solely to the contractor and the contractor subsequently unlawfully withheld {$85000.00} of our funds, diverted the funds, ignored many demands for the funds, and abandoned the project. There has been substantial harm to our family and the damage is compounding. 

We claim the wrongful act and resulting harm were directly enabled by NBT Banks : Lack of disbursement controls on a large construction draw disbursement, such controls being inappropriate to mitigate the fraud occurrence and protect our loan funds, Disregard of our request for ownership representation as a payee on the disbursement instrument, Inadequate assessment and management of the risk associated with the disbursement, particularly after we raised concerns, Failure to operate with prudent lending standards as outlined in the bank 's own policies Lack of safeguards to protect customers in these matters, unfair transfer of risk to us as customers, and their refusal to assist in resolving the wrongdoing, such inaction constituting unsafe or unsound banking practice. 

I have additional details and support documentation that can be provided as needed. 

We have also informed the OCC of this issue with NBT Bank.

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 2025-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: LendKey Technologies, Inc.
State: MD

Complaint narrative:
I have been fighting for months to catch up on being current due to unexpected auto repairs and I am only able to keep paying off are the late fees on the loan. Currently I owe over {$600.00} still and the amount keeps going up. Not to mention every time I post a payment it does not process immediately and takes over a week to reach my account. Something needs to be done and I need a more reasonable option than this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: LA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXAttn: Credit Reporting/Furnisher ComplianceXXXX XXXX XXXX XXXX XXXX XXXX XXXXRe: Account NumberXXXXnRequest for Deletion of Inaccurate Reporting Under FCRA\nNo 1099c was issued\nYou sold the Debt to XXXX XXXX XXXX  And you continue to post the debt as your own\n\nTo Whom It May Concern:\n\nI am writing regarding the above-referenced account that XXXX XXXX XXXX is currently reporting to one or more credit reporting agencies. I dispute the validity and accuracy of this debt under my rights afforded by the Fair Credit Reporting Act (FCRA)  specifically Sections 609, 611, and 1681s-2.\n\n1. Your FCRA Obligations as a Furnisher\nUnder 15U.S.C. 1681s2, as a furnisher of information to credit bureaus, you are required to:\n\nProvide only accurate and complete information.\n\nInvestigate and correct or delete any information disputed by a consumer.\n\nNotify credit reporting agencies of the dispute and take appropriate action within 30 days. XXXX  My Rights Under Sections 609 & 611\nUnder Section 609 (15U.S.C. 1681g), I am entitled to obtain all the information in your files pertaining to this account. Under Section 611 (15U.S.C. 1681i), I have the right to dispute inaccurate or incomplete information and demand your prompt investigation.\n\n3. Why This Reporting Is Inaccurate\n[Explain the specific inaccuracy heree.g., incorrect charge-off date, balance, or that the debt was paid/settled.]\n\nFor example: The account is being reported as charged off on [Date], yet my records show I paid or settled the debt on [Date], as evidenced by [attach proof or describe documentation].\n\nBecause of this, I believe the continued reporting of this balance is false, incomplete, and violating the FCRA.\n\n4. My Request\nPlease:\n\nImmediately delete all references to this account from all credit reporting agencies (Equifax, XXXX, XXXX).\n\nProvide me a written confirmation within 30 days showing the date and action taken.\n\nSupply copies of all documentation you relied upon to substantiate reporting this debt.\n\n\n5. Preserve Evidence\nPlease retain all records of your communications, decisions, investigation results, and identity verification materials concerning this account. These records are crucial for regulatory compliance and potential judicial review.\n\nThank you for your prompt attention. If you fail to honor my request, cease reporting this account, or cannot substantiate it, I will pursue legal action without further notice and hold you responsible for all resulting damages and legal costs.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXXAttn: Credit Reporting/Furnisher Compliance\XXXX XXXX XXXX XXXX XXXX XXXX XXXXRe: Account XXXXRequest for Deletion of Inaccurate Reporting Under FCRA\nNo 1099c was issued\nYou sold the Debt to Portfolio Recovery associates\n And you continue to post the debt as your own\n\nTo Whom It May Concern:\n\nI am writing regarding the above-referenced account that XXXX XXXX XXXX is currently reporting to one or more credit reporting agencies. I dispute the validity and accuracy of this debt under my rights afforded by the Fair Credit Reporting Act (FCRA)  specifically Sections 609, 611, and 1681s-2.\n\n1. Your FCRA Obligations as a Furnisher\nUnder 15U.S.C. 1681s2, as a furnisher of information to credit bureaus, you are required to:\n\nProvide only accurate and complete information.\n\nInvestigate and correct or delete any information disputed by a consumer.\n\nNotify credit reporting agencies of the dispute and take appropriate action within 30 days. XXXX  My Rights Under Sections 609 & 611\nUnder Section 609 (15U.S.C. 1681g), I am entitled to obtain all the information in your files pertaining to this account. Under Section 611 (15U.S.C. 1681i), I have the right to dispute inaccurate or incomplete information and demand your prompt investigation.\n\n3. Why This Reporting Is Inaccurate\n[Explain the specific inaccuracy heree.g., incorrect charge-off date, balance, or that the debt was paid/settled.]\n\nFor example: The account is being reported as charged off on [Date], yet my records show I paid or settled the debt on [Date], as evidenced by [attach proof or describe documentation].\n\nBecause of this, I believe the continued reporting of this balance is false, incomplete, and violating the FCRA.\n\n4. My Request\nPlease:\n\nImmediately delete all references to this account from all credit reporting agencies (XXXX XXXX XXXX).\n\nProvide me a written confirmation within 30 days showing the date and action taken.\n\nSupply copies of all documentation you relied upon to substantiate reporting this debt.\n\n\n5. Preserve Evidence\nPlease retain all records of your communications, decisions, investigation results, and identity verification materials concerning this account. These records are crucial for regulatory compliance and potential judicial review.\n\nThank you for your prompt attention. If you fail to honor my request, cease reporting this account, or cannot substantiate it, I will pursue legal action without further notice and hold you responsible for all resulting damages and legal costs.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-06-23 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: Exeter Finance, LLC.
State: NM

Complaint narrative:
On XX/XX/XXXX, my sister purchased a car in her and my name ( me as the cosigner ) without my permission. The total price financed was {$19000.00}. I didn't find out about it until after I joined the military XX/XX/XXXX. I've filed a police report, filed for identity theft, notified the credit bureaus about the fraudulent purchase, notified the loan provider of it as well. I've provided every party with all the information I was able to get which is a good amount of information. The car sale information is even incorrect, things like my date of birth name ect. is wrong. On top of me again, not giving permission nor being present during the purchase of the car. The car sales shop has not been responding to me or giving me the proof they have regarding the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: King of Credit Financial, Inc
State: NM

Complaint narrative:
On XX/XX/XXXX, my sister purchased a car in her and my name ( me as the cosigner ) without my permission. The total price financed was {$19000.00}. I didn't find out about it until after I joined the military XX/XX/XXXX. I've filed a police report, filed for identity theft, notified the credit bureaus about the fraudulent purchase, notified the loan provider of it as well. I've provided every party with all the information I was able to get which is a good amount of information. The car sale information is even incorrect, things like my date of birth name ect. is wrong. On top of me again, not giving permission nor being present during the purchase of the car. The car sales shop has not been responding to me or giving me the proof they have regarding the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: WI

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I

have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documen
ts. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of XXXX XXXX. I have sent all information Equifax has requested providing my case several times. Equifax has also acknowledged I sent in all my documents. I spoke with a representative and I stated I will reach out to CFPB. On XXXX I made a complaint with CFPB and Equifax responded XXXX by stating give them 60days to respond to a XXXX XXXX Case. I called EQUIFAX XXXXXXXX  and the representative stated they denied me and closed my case XXXX. I sent in all my documents to CFPB as well. 
I am going to file a lawsuit if this situation is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year> I reached out to Capital One to request a deferment. I was advised by a Manager Named XXXX ( ID - XXXX ) they don't do deferment but I can get an extension, but, because my account was still in good standing that I would have to wait until after the due date to request the extension. When I asked clearly for the criteria to be eligible, she would not provide it and kept talking in circles about unrelated topics. When I called on the XXXX, I was told by the customer service rep that I was not eligible for an extension. I asked for the criteria or when I would be eligible, he stated I could wait 2 more months since I have not been in the loan for at least 6 months, that I was not eligible for an extension, ( which aligns with industry standards and should have been explained to me by the manager on the previous call ). I asked for a due date change since I am entitled to that due to the first manager, XXXX 's, intentional misinformation, he declined my request. I asked for another manager, ( XXXX ID - XXXX ) and I explained to them that if the XXXX XXXX XXXX had provided correct answers in good faith I could have either changed my due date out 15 days or looked into alernatives. I requested the due date extension from XXXX and she quickly denied it because the account was not in good standing, even though it is their other Manager XXXX 's fault I am past due. I requested a higher manager but they were intentionally placing me on hold. I requested a call back but do not exepect one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
After I returned some items to XXXX XXXX, Cash App ( I used them to make the original purchase online ) sent me a notification that XXXX XXXX tried to make a purchase in the exact same amount as my refund. It further stated that the transaction didnt go through due to an incorrect PIN. After going through the transaction with XXXX XXXX and receiving proof that the refund was successfully sent and closed out on their end, I called cash app. The cash app representative told me that the transaction was haunted because of an incorrect expiration date. Regardless of it being an expiration date or incorrect PIN error, this was not a purchase, nor did XXXX XXXX ask for my card due to this being an online purchase originally. I was on the phone for almost an hour, when finally the representative told me that she was transferring my case to an email manager. I told her no and that I needed someone on the phone before she hung up. She refused saying that this was the only next step. I began recording the call and asked her to rehash the situation so that I have some form of documentation to protect myself with. She, then said, that cash app does not consent to be recorded and that she was closing the case. I asked her if cash app was trying to steal my money. She then hung up. I reopened the case with someone in the support chat in the app. I restated everything that happened and uploaded the refund receipts and all photos from the XXXX XXXX return desk computer pertaining to the refund. It is everything necessary to prove that the refund was successfully sent from the vendor and that the issue is on Cash Apps end. I was told that my case has been escalated. This was almost 24 hours ago and I havent spoken to any supervisor or manager, yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Subject : Second Notice Demand for Reinsertion Investigation and Method of Verification Re : Reinvestigation Request for Verified Accounts Dear TransUnion I am writing in regard to several accounts on my credit report that were previously disputed and have come back as verified. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which entitles me to a reinvestigation and full disclosure of how your bureau verified this information. 
Specifically, I am demanding that you provide : 1. account ; 2. 3. The name and contact information of the furnisher of each disputed A detailed description of the method of verification used under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) ; A copy of any documentation you received from the furnisher that confirms the accuracy of the information.

If no such documents exist, or if you can not obtain this information, you are legally obligated to delete these accounts from my credit file immediately. 
The following accounts are being challenged again due to failure to verify properly account numbers are as follows : 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 non-monetary relief