vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: IN

Complaint narrative:
I purchased an online course from XXXX XXXX  through XXXX XXXX XXXX XXXX XXXX The total cost was [ insert amount ], and I paid it off in full through XXXX Pay Monthly plan. 

In XX/XX/XXXX, the merchant shut down the course website ( XXXX ) and removed access to the course. They sent an email stating that users must download everything before a deadline or lose access permanently. This policy was not made clear at the time of purchase, and I did not expect the course to be removed so soon after buying it. 

I contacted the merchant ( XXXX ) by phone and text on XX/XX/XXXX and followed up via email on XX/XX/XXXX. I received no response. I then contacted XXXX asking for assistance with a refund or dispute. XXXX responded saying the order was too old ( over 120 days ), so they were unable to help and advised me to deal directly with the merchant who continues to be unresponsive. I believe this situation reflects unfair or deceptive business practices and a failure to deliver a paid service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
i was victim of identity theft, i filed all my proper paperwork my affidavit my police report and my dispute letter, i also took the proper steps using my consumer laws and incorrect addresses are still appearing and reappearing on my credit profile such as XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, ,and also still XXXX hard inquires from XXXX XXXX  XXXX, and XXXX that i did not authorize, also XXXX collection from XXXX XXXX XXXX that i did not authorize and i need them removed immediately, or i will have to move forward to the courts with this issue.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
i was victim of identity theft, i filed all my proper paperwork my affidavit my police report and my dispute letter, i also took the proper steps using my consumer laws and incorrect addresses are still appearing and reappearing on my credit profile such as XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, ,and also still XXXX hard inquires from XXXX XXXX  XXXX, and XXXX that i did not authorize, also XXXX collection from XXXX XXXX XXXX that i did not authorize and i need them removed immediately, or i will have to move forward to the courts with this issue.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted numerous of request to the Experian credit dispute department to have the information removed from my credit report. I was a victim of identity theft. My information was stolen from the credit report breaching and I received settlement. After numerous of request from XXXX, XXXX, XXXX, XXXX, and XXXX all the information is still being reported negative on my report which does not belong to me. Per section 605B of the Fair Credit Reporting Act 15 USC 1681 c-2 the fraudulent account must be blocked and permanently removed from my credit report within XXXX business days from the date of receipt of this letter. I had no choice but to file a complaint and will pursue legal action.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

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 2025-05-21 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: VA

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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was previously disputed, yet the errors remain. Im asking for a description of the procedures used during your investigation. You must send it within 15 days, or remove the inaccurate accounts. Please see the attached letter for this request.

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My account was locked with a message on my mobile app stating : " we locked your account due to unusual activity. '' I called and no one could give me a reason. I requested my money and they have been holding it up for two weeks already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Village Capital & Investment LLC
State: IA

Complaint narrative:
Village Capital and Investments reported late payments on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Information in credit bureaus are not correct. I reviewed my credit report and notice 4 late payments on my village and capital investment account. All payments were made on time and not late. Account was on autopay. The consumer reporting agencies ( credit bureaus ) need to all report all information with complete accuracy. I have attached credit bureau X3 to this complaint. I am requesting investigation of this account and update information immediately Thank you for your promptness..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXXXXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically seven years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA. 

Furthermore, the FACTA requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score.

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
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 2025-05-21 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: MI

Complaint narrative:
Identity theft is. a very big deal to me because I am now suffering the consequences of these actions, however, I will put an end to it now. I have filled out all appropriate documentation and taken all the necessary steps needed in order to clean my credit profile from the problems of other people. I am a victim of identity theft and I no longer want to be dealing with this matter, please see my attached documents and process my request in deleting and blocking the fraudulent information that is on my credit profile. Names variations, accounts, and addresses.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-05-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
We sold our home on XXXX XXXX XXXX and a payoff was sent to Truist for our HELOC on XX/XX/XXXX. They only accept payoffs for HELOC via check to a XXXX XXXX in NC. They lost the first check and asked my attorneys office to issue a new check and issue a stop payment on first check. 

They found the first the check and claim that it bounced due to stop payment. 

My closing attorneys office has proof that they have never tried to cash either check. 

I have been to 5 branches trying to resolve this issue and was finally told today ( XX/XX/XXXX ) that I can pay it off via check in person, but that I OWE {$4000.00} more than the original payoff. 

Their gross negligence should not fall on me. 

Truist does not want to find the check and wants to continue to charge me for their lack or organization.

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 2025-05-21 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint because [ Credit Bureau Name ] failed to conduct a reasonable investigation into my dispute regarding the reporting of my bankruptcy.

I recently disputed the accuracy of a bankruptcy listed on my credit report. As part of my due diligence, I contacted the XXXX XXXXXXXX XXXX XXXX XXXX court directly. The court confirmed that they do not furnish, verify, or update any information to credit reporting agencies, including trans Union, Equifax, and Experian.

Despite this, the credit bureau responded that the information was verified without providing any documentation or identifying the source of verification. This suggests that the bureau relied on third-party databases or unverifiable sources rather than directly investigating the accuracy of the item in question.

This practice violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to perform a reasonable investigation and to provide the procedure used to verify disputed information when requested.

I am requesting that the CFPB review this matter and ensure the credit bureau is held accountable for their failure to comply with FCRA regulations. I am also requesting that the disputed bankruptcy item be either removed from my credit report or that I be provided with full details of how it was verified, including the source of the 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 2025-05-21 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 am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/year> I applied for a XXXX XXXX Credit Card using my business name and XXXX number. I received an alert from XXXX that my score went down, upon reviewing my credit report I observed that an inquiry was made on my personal credit. I never provided CBNA XXXX XXXX XXXX/Citi Card ) my SSN and did not authorize them to run my personal credit under my SSN. I made contact with them and the agent on the phone stated they have the right to so by my name however I have other business accounts and they have never ran my personal credit using my SSN only with my XXXX. I have requesting they withdraw my application and to contact XXXX and have them to remove the inquiry that they did not have my permission to conduct.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XXXX XXXX2025 on hold longer than 30 min to unlock account. Account was locked after entering the correct account # and tax ID #. This is not the first time I have had trouble with my account. I have several other credit cards B of A has long hold times, asking for prompts that dont register. Hassle trying to access account.

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 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XXXX I was having problems with paying my mortgage. 
So I ask XXXX XXXX XXXXXXXX to extend my payment for a few months. 
While they were in the process of doing that they sold the mortgage to XXXX XXXX who refinance the loan from a XXXX year to a XXXX years loan they were threatening with foreclosure and said I needed except this loan. 
I built this house in XXXX for XXXX, and I now owe XXXX with a XXXX year mortgage at this rate it would take me XXXX and over a XXXX dollars to own this house. I'm XXXX XXXX XXXX now.. 
Haven't missed a payment in over XXXX years. 
I need some help.

Company response to consumer: Closed with explanation