vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
In XXXX and XXXX I did not meet the Title IV Federal Loan education prerequisites for the Federal Student Loan. The school 's admission representative misguided me at the enrollment meeting. The 36 years old loans were paid many years ago. I have now applied for Borrower Defense Relief. This issue is pending for review and could take up to 3 years for approval. Meantime the loans should be in forbearance status. I do not owe this debt.

I believe I qualify for the Borrower Defense relief due to misconduct by XXXX XXXX XXXX. Approximately in XXXX, XXXX XXXX XXXX admission representative conduct misleads me by failing to inform the required prerequisites for the California XXXX XXXX XXXX XXXX license. The educational prerequisite is a XXXX XXXX diploma or the G.E.D. credentials. At the time of enrollment, I had an eighth-grade education. The admission representative conduct exhibited a false sense of urgency. That I needed to apply for financial aid, because this opportunity may not be available in the near future. And the admission representative said the Department of Education Student loans would pay for the programs tuition. I had no knowledge about a student loan and that I was required to repay loan. I did not meet the Title IV educational prerequisites for the Federal Student Loan. The high-pressure sales tactics cause me to enroll without all the necessary information for if this school best suits my needs. The admission representative stated that I could open my own Beauty Salon with XXXX XXXX XXXX XXXX XXXX and earn a substantial income. Because of the school statements and the omission to disclose the educational prerequisites for the XXXX  license, I suffered financially. I never opened my beauty salon because of the shame of not having the required education for the XXXX  license or the knowledge on how to obtain the G.E.D. credentials. The admission representative took advantage of my lack of higher education by pressuring me to take the financial aid, that I had to make the decision now, rather than discussing enrollment tuition with my mother. The admission representative pressured me by declaring that the school limited spots for the XXXX XXXX XXXX due to its high demand, that I needed to act now. The financial harm for receiving financial aid led to wage garnishments, not receiving Federal tax refunds, not receiving State tax refunds, bad credit, collection agencies harassment, and not qualifying for future higher education student loans. The ongoing humiliation that the debt has now tripled, even though the loans were paid by wage garnishments, Federal tax refunds, State tax refunds, and payment arrangements. I had no knowledge of all the facts to consider if whether the school was right for me which then imposed shame and a great financial harm. The debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a formal FDCPA Debt Validation Demand Letter and a Qualified Written Request ( QWR ) under RESPA to Freedom Mortgage Corporation, disputing the alleged debt in its entirety and requesting full documentation, including : original wet-ink promissory note with all endorsements and allonges ; full chain of title and assignments ; all MERS registration records ; complete account/payment history ; securitization details ; and evidence of lawful standing to collect or foreclose. This request was sent via USPS Certified Mail and was received by the company on XX/XX/XXXX. 

Despite this lawful and timely dispute, Freedom Mortgage failed to provide the required debt validation or complete QWR responses before continuing collection activity. On XX/XX/XXXX, foreclosure counsel XXXX, XXXX XXXX XXXX, XXXX filed a foreclosure lawsuit in XXXX XXXX, FL and recorded a Lis Pendens without first providing validation, in violation of 15 U.S.C. 1692g ( b ), 12 U.S.C. 2605, and 12 C.F.R. 1024.35 & 1024.36.

I have made multiple written disputes and QWRs to Freedom Mortgage since they became the servicer in XX/XX/XXXX. Responses have been incomplete, missing critical documents, and noncompliant with federal law. I also have pending federal FOIA requests to HUD, XXXX XXXX, and the U.S. Treasury regarding the loans securitization and FHA insurance. 

I am requesting that Freedom Mortgage immediately cease all foreclosure and collection activity until full debt validation is provided, remove or retract the recorded XXXX XXXX, correct any negative credit reporting related to the alleged debt, and take no further action while federal FOIA requests remain pending.

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 2025-08-11 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: TX

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and XXXX XXXX reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I reject ownership of these accountsthey are due for removal in 15 days according to USC 1681g.

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 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Cal-Tenn Financial LLC
State: GA

Complaint narrative:
I was sold a XXXX XXXX XXXX ( XXXX ) while financing a vehicle at XXXX XXXX XXXX in XXXX, GA in XX/XX/2024. I was told the {$75.00} semi-monthly payment was required for financing approval. I was not informed the XXXX was optional, nor was I told the total cost which is nearly {$10000.00} over the loan term. 
The signed paperwork lists the XXXX cost as $ XXXX, and I was rushed through the signing process because the dealership said they were closing. Ive now paid {$2500.00} for this add-on, which I never knowingly agreed to. 

Cal-Tenn Financial ( the loan servicer ) is still collecting the {$75.00} twice a month, but when I contact them, they refer me back to the dealership. When I contact the dealership, they send me back to Cal-Tenn. Cal-Tenn also hung up the phone on me when I informed them I was recording the call for documentation.

I believe this is a case of loan misrepresentation, unfair practices, and violation of the Truth in Lending Act. I am requesting full cancellation and a refund of the {$2500.00} already paid toward the XXXX. 

After submitting a complaint through CalTenns Contact Us form, I received a call from someone named XXXX. He told me the reason I probably ended up with the Debt Cancellation Addendum was because I only had liability insurance when I financed the car. That is false I was insured by XXXX at the time. After our call, I contacted XXXX directly, and they confirmed I had a policy that met lender requirements ( they dont use the term full coverage because of all the optional insurance add-ons, but my coverage was comprehensive ). 
XXXX said if I had opted for full coverage, Id be paying triple the amount in insurance. This was used to justify the XXXX, but it does not change the fact that I was never told the product was optional, the total cost was never disclosed, and I was misled into paying nearly {$10000.00} for something I did not agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I am submitting this complaint to dispute inaccurate derogatory information being reported to Experian by XXXX XXXX XXXX XXXX XXXX regarding the above-referenced account. 

According to my credit report, this account is listed as open, joint with XXXX XXXX, and reflects multiple late payment notations. I dispute the accuracy of these late payment entries. My personal records show a consistent payment history, including the most recent payment of {$350.00} on XX/XX/XXXX. The account was opened on XX/XX/XXXX, with an original balance of {$21000.00}, and currently shows a balance of {$5800.00} as of XX/XX/XXXX. 

This account was previously subject to a reinvestigation through Experian in XX/XX/XXXX, but no documentation was provided to validate the continued derogatory reporting. The negative marks remained unchanged, and I have received no clear explanation or evidence from 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 2025-08-11 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc.

Complaint narrative:
This is not a duplicate complaint, it is a continuation of an unresolved and escalating problem that now spans multiple cases. 

This is my third complaint against Blackhawk Network due to a pattern of mishandling, delays, and incorrect payments.

Blackhawk previously confirmed that a refund check for {$1000.00} USD would be sent for my disputes ( cases XXXX and XXXX ) and delivered within 21 business days. 

Today is XX/XX/2025, and not only have I not received the check, but I have been given different and conflicting stories each time I contact the company, sometimes I am told two checks were sent, other times that it was sent expedited, and now the latest version is : 1-The payment was issued in XXXX dollars ( XXXX  {$1000.00} ) instead of the agreed U.S. dollars . 

2-The delivery window is now stated as 30 business days, contradicting earlier written promises of 21 business days. 

3-The address used is incorrect compared to my confirmed address on file ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ). 

4-The company has provided inconsistent tracking numbers, some of which appear invalid. 

This follows earlier issues where another case ( XXXX ) was also underpaid when Blackhawk issued a refund in XXXX  dollars instead of U.S. dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TN

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, Experian and TransUnion are consumer reporting agencies and I XXXX XXXX XXXX am the Consumer. I have the right to make sure my private information isn't shared without my written consent which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Furnisher of information to credit agencies are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
XXXX : XXXXXXXX XXXX  Transunion : XXXXXXXX XXXX  / XXXX XXXX XXXX-Equifax : XXXXXXXX XXXX Experian : XXXXXXXX XXXX Transunion : XXXXXXXX XXXX  / XXXX XXXX XXXXXXXX XXXX - Equifax : XXXXXXXX XXXX XXXXXXXX XXXX  Transunion XXXX XXXXXXXX XXXX Family Educational Rights and Privacy ACT XXXX XXXX Equifax : XXXXXXXX XXXX Experian : XXXXXXXX XXXX  XXXX XXXX  XXXX : XXXXXXXX XXXX These financial institutions and Consumer reporting agencies Equifax XXXX Experian and TransUnion do not have my consent to furnish this information and they surely do not have my written consent to damage my Federally protected identity on paper. Any and all consent to Equifax, Experian and TransUnion whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' These unauthorized companies never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years non of which I have or have i ever been involved in. '' These account 's are adverse items they are reporting again without my permission which has damaged my commercial reputation in violation of the FCRA, FDCPA, TILA & FACTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX, XX/XX/year>, XXXX of my XXXX friends, who are joint account holders with me in two Citibank accounts one savings account and one checking account deposited their legitimate U.S. Treasury checks issued by the Internal Revenue Service ( IRS ) as tax refunds. One IRS refund check was deposited into the savings account and the other into the checking account. These checks were authentic, official IRS-issued refunds, and full documentation can prove their legitimacy. 

Following those deposits, Citibank not only blocked both joint accounts but also froze my separate personal accounts including an account I share exclusively with my spouse even though those personal accounts were not related in any way to the deposits in question. 

I was not the depositor of the IRS refund checks, and my personal accounts have no connection to those transactions. Nevertheless, the banks actions have left me and my spouse without access to our personal funds, causing severe and unnecessary financial hardship. 

I have contacted Citibank and explained the situation, but the accounts remain blocked without a valid explanation. This appears to be an excessive and unjustified measure, potentially violating federal regulations regarding account access and the timely availability of funds for U.S. Treasury checks under Regulation CC ( 12 CFR Part 229 ).

I am requesting CFPB assistance to require Citibank to immediately restore my access to all unrelated personal accounts and to address any compliance violations in their handling of this matter.

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 2025-08-11 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
The investigation did not fix the negative errors on my report im disputing asking for original documents

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