vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am XXXX XXXX the natural person consumer identified in the FDCPA and FCRA. I am submitting this formal written dispute under the Fair Credit Reporting Act ( FCRA ) concerning several fraudulent accounts that were previously deleted and have now been improperly reinserted into my consumer report, despite my FTC Identity Theft Report and supporting documentation showing I am a verified victim of a data breach and identity theft. 

On XX/XX/XXXX, I received written notification from TransUnion confirming that my personal information was exposed in a data breach. Since then, the following accounts previously disputed and deleted have been reintroduced to my credit file without proper notice or permissible verification : -XXXX XXXXXXXX Bank XXXX XXXX XXXX XXXX XXXX XX/XX/year> Furthermore, under FCRA 611 ( a ) ( 5 ) ( B ), if information previously deleted is reinserted, the bureau must certify the accuracy of the information with the furnisher and notify the consumer within XXXX business days. 
I have received no such certification or notice, making this reinsertion a direct violation of the FCRA.

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 2025-10-13 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: OH

Complaint narrative:
Formal Dispute of Unauthorized Credit Inquiries Demand for Deletion Under FCRA To Whom It May Concern, I am formally disputing the following unauthorized hard inquiries appearing on my consumer credit report. Under 15 U.S.C. 1681b ( f ), no person may access my credit report without a permissible purpose, and under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reinvestigation within 30 days.

I did not apply for credit with any of the following entities, nor did I authorize any dealership or third party to pull or distribute my credit file : Creditor / Furnisher Date ( s ) of Inquiry 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 These inquiries are fraudulent or unauthorized, and therefore unverifiable. Unless the data furnisher provides original signed documentation proving I explicitly granted authorization for each inquiry, they must be removed immediately pursuant to : FCRA 1681e ( b ) Duty to assure maximum possible accuracy FCRA 1681i ( a ) Failure to delete unverified information after dispute FCRA 1681b ( f ) No permissible purpose = unlawful access DEMAND FOR ACTION Delete these inquiries from my credit file immediately Provide a complete reinvestigation report upon completion Provide the name, address, and method of verification for each furnisher contacted Failure to remove inaccurate data after proper dispute is considered willful noncompliance under 15 U.S.C. 1681n, and I will document all actions for potential escalation

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 2025-10-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Formal Dispute of Unauthorized Credit Inquiries Demand for Deletion Under FCRA To Whom It May Concern, I am formally disputing the following unauthorized hard inquiries appearing on my consumer credit report. Under 15 U.S.C. 1681b ( f ), no person may access my credit report without a permissible purpose, and under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reinvestigation within 30 days.

I did not apply for credit with any of the following entities, nor did I authorize any dealership or third party to pull or distribute my credit file : Creditor / Furnisher Date ( s ) of Inquiry 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 These inquiries are fraudulent or unauthorized, and therefore unverifiable. Unless the data furnisher provides original signed documentation proving I explicitly granted authorization for each inquiry, they must be removed immediately pursuant to : FCRA 1681e ( b ) Duty to assure maximum possible accuracy FCRA 1681i ( a ) Failure to delete unverified information after dispute FCRA 1681b ( f ) No permissible purpose = unlawful access DEMAND FOR ACTION Delete these inquiries from my credit file immediately Provide a complete reinvestigation report upon completion Provide the name, address, and method of verification for each furnisher contacted Failure to remove inaccurate data after proper dispute is considered willful noncompliance under 15 U.S.C. 1681n, and I will document all actions for potential escalation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I am writing to formally dispute the status and balance of my loan account. My original loan amount was {$8900.00}, with a {$2500.00} down payment, leaving {$6400.00} financed. To date, I have already paid approximately {$6500.00}, which exceeds the amount originally financed. 
Despite this, I am still being charged additional payments and have not received a clear breakdown explaining why. Based on the numbers, it appears that I XXXX be overpaying or that there are undisclosed fees or interest charges applied unfairly. 
I request a full written explanation and detailed payment history, including : The complete amortization schedule, Total interest and fees charged, Any additional products or coverages added to my account, and The remaining principal balance. 
Until this information is provided, I consider the continued collection of payments without clear justification to be unfair and potentially predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
Subject : Formal Consumer Demand for Deletion/Correction of Inaccurate and Re-Aged Accounts Pursuant to FCRA, UCC, FDCPA, and XXXX Compliance XXXX am formally disputing the inaccurate, misleading, and unlawfully reported accounts listed below, as reflected in my consumer file dated XX/XX/year>. Your duty under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), XXXX XXXX XXXX, and federal reporting guidelines ( XXXX / e-OSCAR ) requires that you maintain and report only accurate, verifiable information. 
You are hereby notified of multiple violations, including but not limited to : - FCRA 1681e ( b ) : Failure to assure maximum possible accuracy.

- FCRA 1681i : Duty to reinvestigate disputed information.

- FCRA 1681c ( a ) ( 5 ) : Prohibition against reporting obsolete adverse information or re-aged data.

- FCRA 1681s-2 ( a ) : Furnishers prohibited from reporting inaccurate or misleading data. 
- FDCPA 1692e & 1692f : Prohibition on false or unfair collection practices ( if third parties are involved ). 
- UCC 1-201 ( b ) ( 25 ), 1-304 : Duty of good faith and accurate recordkeeping in commerce. 
- XXXX & e-OSCAR : Prohibition against repeated charge-off notations, improper balance reporting, and re-aging of delinquent accounts. 

Disputed Accounts : XXXX. XXXX XXXX XXXX  XXXX Acct. # XXXX * * * * ( Paid/Closed ; improper late notations ) XXXX. XXXX XXXX Acct. # XXXX * * * * ( XXXX ; ongoing re-aging, repeated C/O ) XXXX. XXXX XXXX XXXX Acct. # XXXX * * * * ( Credit Card ; XXXX with re-aging ) XXXX. XXXX XXXX XXXX Acct. # XXXX * * * * ( XXXX XXXX ; Paid/Closed but derogatories remain ) XXXX. XXXX XXXX Acct. # XXXX * * * * ( XXXX with repeated C/O )

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 2025-10-13 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:
Upon reviewing my Equifax report, my XXXX XXXX ( XXXX XXXX ) account ( Acct # : XXXXXXXX XXXX XXXX ) is showing a XXXX late payment in 2024 even though the account is open, active, and paid as agreed with {$0.00} past due. XXXX reflect the account as current, so this appears inaccurate and unverifiable. This violates FCRA 1681e ( b ) and 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I reviewed my Experian and XXXX  credit reports dated XX/XX/year> and noticed that XXXX XXXX XXXX and XXXX XXXX XXXX are both reporting the same debt but with different balances. It appears XXXX XXXX was the original creditor and that the account was later transferred or sold to XXXX XXXX, which has added additional interest or fees. 

I have never received any documentation showing that the original credit agreement authorized post-sale interest or that XXXX XXXX had legal authority to add new charges. I am requesting that XXXX XXXX verify whether the account was sold or assigned, the effective date of that transfer, and whether XXXX XXXX was authorized to collect or report the debt and to add interest under the original agreement. 

If interest was added without contractual or statutory authorization, or if XXXX XXXX was not licensed to collect in Washington at the time, then the reporting and balance increase violate the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ), the Fair Debt Collection Practices Act ( FDCPA 809 ), and XXXX  XXXX XXXX and XXXX XXXX. 

This complaint is for verification only and does not admit liability for any alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MD

Complaint narrative:
My federal student loan servicer, MOHELA, has committed a severe, unauthorized servicing error by improperly transferring my account out of my previous Income-Driven Repayment ( IDR ) plan and into the more expensive Income-Contingent Repayment ( ICR ) plan. I am a XXXX XXXX  that had IDR concerning the public service loan forgiveness program. 

Previous Status : My account was current with a required IDR payment of {$100.00} ( confirmed on a statement dated XX/XX/year> ). 

Unauthorized Change : Without my request or authorization, and despite a negligible income change ( less than a {$5000.00} increase ), MOHELA unilaterally changed my plan to ICR with a new payment of {$410.00}. This is a & XXXX increase. 

Notice Failure : The payment change notice is dated XX/XX/year>, with a payment due date of XX/XX/year>. This does not provide adequate or compliant notice for such a drastic, unauthorized plan change. 

I demand MOHELA immediately place my account into Administrative Forbearance, revert my required payment to XXXX { \ {$100.00} }, and re-enroll me in the most beneficial IDR plan for which I am eligible. This action violates my borrower rights and constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ).

Company response to consumer: In progress
Consumer complaint received 2025-10-13 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am sending to formally request that you block specific information appearing on my TransUnion credit file that I believe is the result of identity theft or unauthorized activity, in accordance with my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2.

The following item must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: CT

Complaint narrative:
I am sending to formally request that you block specific information appearing on my TransUnion credit file that I believe is the result of identity theft or unauthorized activity, in accordance with my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2.

The following item must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
XXXX purchased a XXXX dollar prepaid Mastercard at a XXXX XXXX near me, with the understanding that I would be able to make purchases online with it. Tonight, I tried to make several(I believe XXXX) purchases online, including the XXXX XXXX XXXX, and not a single one accepted payment. I paid a XXXX service fee to Mastercard at the time of purchase. Each purchase was declined or not accepted. Their website, XXXX and the associated phone number, XXXX XXXX XXXX do not offer any customer support for purchases, except for having an incorrect balance or for unauthorized transactions. I purchased this card specifically to buy things online, and in the past when I had done so, the website would allow you to put in a billing zip code to associate with the card. This is no longer the case. It seems to me the point is to simply create barriers preventing use of the funds, by making the potential use opportunities of the card as narrow as possible. I feel mislead and taken advantage of by a company that benefits from every extra day it holds onto my money, and if my understanding was different I would not have made that purchase.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I cant make a new cashapp they keep denying me and i haven't done nothing wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Equifax is allowing a third-party collection account from XXXX XXXX XXXX XXXX XXXX XXXX on my credit report without any actual verification. Ive repeatedly tried to get this resolved, but the company has failed to show any proof that I legally owe this debt or that they have any right to be handling my private information. 

I never signed any agreement allowing XXXX XXXX XXXX to collect or report anything about me, and Equifax has not taken the proper steps to fully investigate the legitimacy of this account. If Equifax claims to have verified this account, then where is the actual documentation with my name and signature? 

The only thing I keep receiving are vague responses with no real evidence. I am concerned that Equifax is violating my consumer rights by not ensuring accurate and verifiable reporting as required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OK

Complaint narrative:
My account was hacked the hacker sent money from my account to unknown individual and changed my profile to her info and cash app denied refund I appealed they denied appeal said it was from same phone used but I have a XXXX XXXX so I don't know what they think I have but they are wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: DC

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account XXXX : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I AM A CURRENT XXXX XXXX 360 CUSTOMER. I'VE HAD MY ACCOUNT SINCE XXXX. IM SUBMITTING MY CLAIM FOR THE CLASS ACTION LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Account XXXX XXXX XXXX XXXX  .. # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you belive you sent proper notifucation, please provide 'Certified Mail ' with receipy displaying my signature. if not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement.

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding BARCLAYS BANK DELAWAREs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. BARCLAYS BANK DELAWARE has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

BARCLAYS BANK DELAWARE 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 2025-10-13 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: KY

Complaint narrative:
Even though the balance is cleared, late payment marks remain on the report.

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 2025-10-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my Equifax credit report, I found two hard inquiries that were not authorized or initiated by me : XXXX  XXXX XX/XX/XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX I did not apply for credit, loans, or any type of financing with these companies on or near those dates. These inquiries are not related to any active or open accounts and were added to my credit report without my consent.

Under the Fair Credit Reporting Act ( FCRA ) 1681b ( a ), a consumer report can only be accessed for a permissible purpose and with the consumers authorization. Furthermore, 1681b ( f ) strictly prohibits obtaining a consumer report without consent or a legitimate business purpose.

I contacted Equifax to request documentation showing that I authorized these inquiries, but no such documentation was provided. These unauthorized inquiries have negatively affected my credit score and were placed on my report without justification. According to FCRA 1681i ( a ), Equifax is required to investigate and remove unverifiable or inaccurate information within 30 days of a dispute.

Company response to consumer: Closed with explanation