vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This account was closed and they reopened it on XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Experian Information Solutions Inc.
State: SC

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 explanation
Consumer complaint received 2025-05-28 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: DE

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MT

Complaint narrative:
MOHELA has willfully violated the Fair Credit Reporting Act ( FCRA 623 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) by failing to provide legally required debt validation after XXXX disputes, including XXXX prior CFPB complaints. 

Despite multiple requests, MOHELA has not produced a signed Master Promissory Note ( MPN ), full original payment history, the date of first delinquency, or assignment of debt documentation. They falsely claimed to enclose a payment history, which only contained an internal forgiveness entry not a payment, as they themselves confirmed. No legally binding evidence of debt ownership or liability has ever been furnished. 

Their continued reporting of this unverifiable tradeline is a knowing and willful violation of federal law. This is not a correction issue it is a repeated compliance failure. I demand immediate deletion of this tradeline. Continued reporting will be met with legal action under FCRA 616 and 617.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate personal information on my credit report. I have contacted your office multiple times to correct the spelling of my name, yet the issue remains unresolved. Specifically, the suffix II continues to be added to my name, which is incorrect.

I have provided a copy of my valid drivers license as proof of my correct name, which does not include the suffix II. Despite this, the inaccurate information continues to appear on my report.

I respectfully request that you correct this error and remove the II suffix from my name. Please provide written confirmation once the correction has been made.

Enclosures : Copy of drivers license, proof of address, copy of credit report with error highlighted

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate personal information on my credit report. I have contacted your office multiple times to correct the spelling of my name, yet the issue remains unresolved. Specifically, the suffix II continues to be added to my name, which is incorrect.

I have provided a copy of my valid drivers license as proof of my correct name, which does not include the suffix II. Despite this, the inaccurate information continues to appear on my report.

I respectfully request that you correct this error and remove the II suffix from my name. Please provide written confirmation once the correction has been made.

Enclosures : Copy of drivers license, proof of address, copy of credit report with error highlighted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Good day. 

On XXXX I have sent a wire transfer to my father 's cousin in XXXX, XXXX. A week later he did not received the money in his account and went to his XXXX XXXXXXXX XXXX XXXX. They said the account number was incomplete, didn't contain something and they have returned the money. I was not able to get my money back from Bank of America. We got a statement letter with the return from XXXX XXXX XXXX and a return confirmation number. The stupid part is that it looks like it was returned not to my person, but to Bank of America. Now Bank of America is pushing me around for XXXX weeks to countless operators, to XXXX currency departments. I have probably spent XXXX hours on the phone waiting and waiting and getting disconnected. It doesn't look like XXXX is trying to help and just tried to get me tired to give up the XXXX dollars they misplaced. I really need some support please. 

Thank you, 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 monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2025-05-28 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:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OR

Complaint narrative:
I called Jefferson capital collections and requested a copy of the original XXXX  bill. They stated that they were unable to do that unless I paid them a XXXX  I believe that it is my right to have a copy of the original bill Ive asked multiple times, and they will not provide me original bill with a date that it became delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Regulation E provides that I am within my rights to dispute transactions and I will not be liable for the unauthorized transactions within 60 days of reporting. I reported transactions spanning over 60 days but when I requested reimbursement for transactions within the 60 day window I was denied because they were with the same merchant. This is a clear example of bias and an I fringment on my protections by Regulation E

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXXXXXXXXXXXXXXTried to dispute the company hasnt provided any information since asked last year. XXXXXXXX XXXX XXXXXXXXXXXXXXXXThis is inaccurate informationXXXX XXXXXXXX XXXXXXXX XXXX Closed Account XXXXJPMCB \nClosed account XXXX was XXXX this account was opened fraudulent'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
During the XXXX 2025 billing period there were {$820.00} purchases made on Alliant Credit Union credit card. During this period, a balance transfer with 0 % interest was made. The {$820.00} purchase balance was paid on XX/XX/XXXX, before the due date of XX/XX/year>. On XX/XX/XXXX, I made a credit card payment of {$2100.00} on the 0 % balance transfer, more than the amount of minimum payment due. HOWEVER, the agent who processed the payment ERRONEOUSLY applied it to my mortgage account! XXXX XXXX was able to correct the payment application back to my credit card on XX/XX/year>. HOWEVER, they are telling me that I am responsible for the {$1.00} interest incurred for the error that THEY made that caused the delay in the payment. On XX/XX/XXXX due date, I paid {$1200.00} towards the 0 % balance transfer, more than minimum amount due. There is no delay in any payment. Why are they charging me interest? 

I HAVE BEEN A GOOD CLIENT FOR 30 years without any delays in any payment. ALLIANT CREDIT UNION USED TO BE A GOOD FINANCIAL INSTITUTION, what is happening??? Every month there has been errors on their part and agents and supervisors seem to not care at all! There are tons of complaints out there lately on this institution! What is happening to Alliant Credit Union???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I have not had a updated or refresh score in almost 2 months the only thing that is updating is XXXX  equifax and TransUnion are not updating my score I have paid off my debt for XXXX  XXXX and the debt collector I have the attached document below equifax is still showing its open and transunion also I have a new account with bank XXXX  credit card I have been making on time payments and its not showing on equifax or transunion only XXXX  and I reached out to my bank and they report to all XXXX please investigate this. Im trying to get my credit in good condition bc I need a home and this is causing a financial barrier

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The accounts are charged off. 

You did not receive a 1099-C, which may be required in certain cases if the debt is canceled.

The collectors are not legally permitted to collect.

Please confirm which of the following accounts you'd like to include in this dispute ( check all that apply or confirm All ) : XXXX XXXX XXXX, XXXX {$830.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( multiple : {$550.00}, {$450.00}, {$730.00}, {$520.00} ) XXXX ( {$1900.00} and {$740.00} ) XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXXXXXX XXXX {$110.00}

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 2025-05-28 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:
My credit file now contains fraudulent accounts due to a major data breach. Under Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), I am requesting XXXX XXXX deletion within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of Verification : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I've been trying to obtain the title for my Hyundai Elantra, but have been neglected by Hyundai 's service team. I asked for a statement to remove XXXX  from the XXXX on the title so that I could get a new one in my name. However, Idaho XXXX says its " electronically withheld ''. Even with the document showing their release of financial interest, the XXXX can not process my request for a new title. After contacting Hyundai support, they said they would forward my request to their titling department. I have yet to hear back from them. Hyundai has left me with no other options. Their electronic hold prevents me from owning my property which I have already paid for in full. I can not register my vehicle in my new state without a title, so I will soon be incurring late fees for this if not 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 explanation
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief