vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
XX/XX/year> Attempting to purchase a new vehicle and elected to use XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  relies on credit reports from Equifax to underwrite their auto loans. 

My credit account with Equifax has a freeze on it. Attempted to log into Equifax 's web portal to unfreeze account but Equifax 's web portal is unable to reset my password. I tried several times resulting in the same error message " Equifax is unable to process your request at this time. Please try again later. '' I then called XXXX customer service line and was able to reach an agent. They verabally stated that they had unfreezed my account and that the lender would be able to pull my credit after " XXXX business hour. '' I called the dealer and they were still unable to pull my credit. I repeated this process XXXX  times throughout the day beginning at XXXX XXXX and still not successful by XXXX XXXX. I spoke with XXXX different representitives with no resolution and no way for my lender to pull my credit report, effectively making me unable to complete my purchase transaction and with no idea if this will ever be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Equifax ( XXXX. XXXX XXXX XXXX XXXX XXXX ) TransUnion ( XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Subject : Dispute and Demand for Arbitration XXXX XXXX Account Account Name : XXXX XXXX Account Number : XXXX Amount Disputed : {$19000.00} Dear Credit Bureau Representative, I am writing to formally dispute the reporting of a charged-off account by XXXX XXXX XXXX in the amount of {$19000.00}. This account is appearing on my credit report with your agency, and I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. I previously contacted XXXX XXXX requesting a Form XXXX for this alleged charged-off debt. A XXXX is required to be issued when a creditor cancels {$600.00} or more in debt. Despite my request, I have not received this form from XXXX XXXX. If the debt was truly canceled or forgiven, this document should have been issued to both the IRS and me. The absence of a XXXX raises questions about the accuracy and legality of this accounts reporting. In accordance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I am demanding the following : XXXX. Immediate investigation into the accuracy and completeness of the reported XXXX XXXX account. XXXX. Immediate deletion of this account from my credit report if it can not be verified in accordance with XXXX XXXX. XXXX ( a ) ( XXXX ). XXXX. Written confirmation of the outcome of your investigation within XXXX  days of receipt of this letter. XXXX. Details of the furnishers response, if any, along with any documentation provided to verify the account. Demand for Arbitration Notice : Additionally, I hereby notify you that I am demanding arbitration under any applicable arbitration clause or agreement between myself and your agency or XXXX XXXX. If applicable, please provide a copy of any arbitration agreement you believe governs this dispute. Please consider this letter a formal notice of dispute and intent to exercise all rights under federal and state law, including the pursuit of arbitration, if my rights are not upheld. Thank you for your prompt attention to this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TN

Complaint narrative:
I am formally disputing the accuracy of one or more tradelines listed in my TransUnion credit file. The disputed item ( s ) include : Pursuant to 15 U.S.C. 1681i, you are legally obligated to conduct a reasonable reinvestigation and remove or modify any information that is inaccurate or unverifiable.

In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law.

Specifically, I request : 1. Deletion or correction of the inaccurate entry ( ies ).

2. A copy of any verification documents received from the furnisher.

3. A statement describing your reinvestigation method under 611 ( a ) ( 6 ) ( B ) ( iii ). 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-05-12 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: AR

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX issued a refund of {$6.00} on XX/XX/XXXX to a Citi credit card that I closed in XXXX ( maybe earlier or later ) After reaching out to XXXX, they confirmed that the refund was accepted by the closed card ( don't know why Citi would allow this ) ( See email attached with the refund reference ) Now I tried calling Citi to get that refund, but since I don't have a card with them, they are saying I can not help me. XXXX phone rep even said they can not even transfer me to a supervisor because I don't have a card. Another had me holding forever. Basically, would not take my call. 

Had no other choice but to file a complaint!

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 monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXX, a charge was made on my card for XXXX XXXXXXXX on my XXXX card. Soon after the intruder made a payment for XXXX XXXXXXXX from a fraudulent account. I assume in efforts to continue to use the card. I opened up a claim here with CFPB and capital one finally reviewed the charge and reversed it noting fraud to my card. They never looked into the payment made but constantly asked me to show proof that the XXXX account used to make the payment was my account. Countless calls and escalations and I keep telling capital one it was not my account and I supplied them proof of my bank account ( XXXX ) that I always use with them. About a month ago, a rep opened up an investigation to the payment made of XXXX XXXXXXXX quoting it would take XXXX business days. Here we are a month later and I called today XX/XX/year> and we are still absolutely no where. The rep today said to remove the restriction I need to send them proof that the XXXX account is mine. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Just following up on my complaint from XX/XX/year> concerning the issue on my Equifax credit reportIve attached the necessary files to help access my Equifax report as instructed in your response. I really hope this gets resolved soon. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
In XXXX of XXXX, I received notice from Mohela that Mohela had placed my account in forbearance and that no payment was required. Furthermore, my interest rate would be set to 0 % and no interest would accrue while in forbearance. 

In XXXX of XXXX, I received notice that interest had been accruing on my loans regardless of their forbearance. I notified Mohela immediately and was informed that this had happened in error, and that Mohela was in the process of removing the interest from my account. I never requested that forbearance be removed, nor notified that it would be lifted. 

In XXXX of XXXX, I received another notice of interest accruing despite Mohela having previously assured me that this was occurring in error. I still had never requested that forbearance be removed, nor had I been notified that it would be lifted. 

As of XX/XX/XXXX, the interest is still present on my accounts. While Mohela 's responses continue to state that " MOHELA is in the process of updating borrowers ' accounts to ensure they accurately reflect the 0 % interest while borrowers are in this forbearance, '' the services has not changed anything on my account. 

This is a problem because I would like to make progress paying down the principle balance on all my accounts, but am unwilling to make payments towards interest that has accrued erroneously. According to the information found here ( XXXX XXXX XXXX  ), interest should not be accruing and I should not be entering repayment sooner than XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am filing this complaint to report Equifaxs willful failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly regarding their obligation to investigate and respond to disputes in a timely manner. 

On XX/XX/year>, I formally disputed erroneous and inaccurate accounts listed on my Equifax credit report. These disputes were submitted directly through Equifaxs online dispute portal ( and via certified mail ). According to Section 611 of the FCRA ( 15 U.S. Code 1681i ), a consumer reporting agency must investigate disputes and remove or correct any inaccuracies within 30 days. 

It has now been over 30 days since I initiated these disputes, and Equifax has failed to remove or correct the inaccurate items, nor have they provided any legitimate verification or update regarding their investigation. This lack of action constitutes a clear violation of the FCRA and is unacceptable. 

I am demanding that the CFPB take immediate action to investigate Equifax for its noncompliance with federal law. Their inaction not only infringes on my consumer rights, but now exposes them to monetary liability for damages caused by their negligent and willful disregard of their legal responsibilities. 

I am attaching a clear photo of my current ID so there should be NO QUESTION who they are dealing with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Complaint for Inaccurate Reporting and Request for Removal of Auto Loan Account from Credit Report Re : Request for Investigation and Removal of XXXX  XXXXXXXX XXXX XXXX Account ( Acct. # : XXXX ) Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding a XXXX XXXX XXXX XXXX auto loan account inaccurately reported on my credit file by TransUnion, Equifax, and Experian. The account is currently being reported with a status of XXXX XXXX and a balance of {$29000.00}, which I dispute. 

The reasons for my complaint are as follows : Inaccurate Reporting : The account shows a charge-off status with no payment activity since XX/XX/year>, yet it reflects a balance that exceeds the high balance reported, and contains inconsistencies across the bureaus. 

Incomplete and Conflicting Information : The same account is reported with conflicting remarks such as Account Previously in Dispute Now Resolved and Unpaid Balance Reported As A Loss By Credit Grantor, despite me not having received clear resolution or verification from XXXX XXXX XXXX XXXX. 

No Proper Validation : I have not received proper documentation or validation from XXXX XXXX or the credit bureaus to support this derogatory status or balance, despite previous disputes. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers and bureaus to report only accurate and verifiable information. 

Impact on Credit Standing : This account is severely damaging my credit profile, which is impeding my ability to obtain necessary financing and housing. The derogatory status appears to be inaccurately inflated and does not reflect legitimate or verified debt. 

I request that the CFPB investigate this matter and direct XXXX XXXX XXXX XXXX and the credit bureaus to either : Provide complete, verifiable, and accurate documentation of the alleged debt including payment history, contract terms, and proof of charge-off, or Immediately remove this account from all consumer reporting agencies under the FCRA for failure to provide sufficient and accurate documentation.

Attached to this complaint are copies of my credit report excerpts highlighting the disputed account, and my identification details.

Thank you for your attention to this matter. I respectfully request an expedited review due to the negative and ongoing impact on my financial stability. 

Sincerely, 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 2025-05-13 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:
Subject : Complaint for Inaccurate Reporting and Request for Removal of Auto Loan Account from Credit Report Re : Request for Investigation and Removal of XXXX  XXXXXXXX XXXX XXXX Account ( Acct. # : XXXX ) Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding a XXXX XXXX XXXX XXXX auto loan account inaccurately reported on my credit file by TransUnion, Equifax, and Experian. The account is currently being reported with a status of XXXX XXXX and a balance of {$29000.00}, which I dispute. 

The reasons for my complaint are as follows : Inaccurate Reporting : The account shows a charge-off status with no payment activity since XX/XX/year>, yet it reflects a balance that exceeds the high balance reported, and contains inconsistencies across the bureaus. 

Incomplete and Conflicting Information : The same account is reported with conflicting remarks such as Account Previously in Dispute Now Resolved and Unpaid Balance Reported As A Loss By Credit Grantor, despite me not having received clear resolution or verification from XXXX XXXX XXXX XXXX. 

No Proper Validation : I have not received proper documentation or validation from XXXX XXXX or the credit bureaus to support this derogatory status or balance, despite previous disputes. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers and bureaus to report only accurate and verifiable information. 

Impact on Credit Standing : This account is severely damaging my credit profile, which is impeding my ability to obtain necessary financing and housing. The derogatory status appears to be inaccurately inflated and does not reflect legitimate or verified debt. 

I request that the CFPB investigate this matter and direct XXXX XXXX XXXX XXXX and the credit bureaus to either : Provide complete, verifiable, and accurate documentation of the alleged debt including payment history, contract terms, and proof of charge-off, or Immediately remove this account from all consumer reporting agencies under the FCRA for failure to provide sufficient and accurate documentation.

Attached to this complaint are copies of my credit report excerpts highlighting the disputed account, and my identification details.

Thank you for your attention to this matter. I respectfully request an expedited review due to the negative and ongoing impact on my financial stability. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief