vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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:
Please investigate and immediately remove the following inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Additionally, I am disputing the inaccurate and derogatory reporting of the following account : XXXXXXXX XXXX XXXXXXXX ( Account ending in XXXX ) Equifax lists this account as Derogatory, while XXXX shows it as Paid The High Credit reported is {$160.00} on Equifax, but {$2000.00} on both XXXX XXXX XXXX  The Opened Date on Equifax ( XX/XX/XXXXXXXX XXXX is also inconsistent with XXXX XXXXXX/XX/XXXX This inconsistency affects the accuracy and fairness of my credit profile and maXXXX be negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on 5/2/2025. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I owed the XXXX XXXX credit card some money before I retired from the XXXX. I was told I had a year after my retirement to make the payments. I was contacted before the one year window by a third party collection company ( Transworld systems inc ) that would be representing the XXXX exchange and that I needed to pay up else theyll go after all of my government benefits. 
We reached an agreement and I started paying up eventhough I hadnt gotten a job, I used the money I got from unemployment benefit to pay just so they dont go after my benefits. I noticed the balance was not going down, I called them several times to send me the statements but up till now I never got anything. 
The attitude I even get from them each time I called is out of this world ; extremely unprofessional and rude. So far, I made four ( 4 ) payments of {$580.00} which is {$2300.00} which should have reduced a balance of about {$4500.00} thereabouts drastically but instead they keep telling me I still owe over {$4000.00} and they keep adding interests to it every month. I never signed up to an interest only loan from them. I think this is just so fraudulent. Instead of helping to end the credit card balance, they kept adding to it and their communication is so poor. 
I am writing to get this checked as they might have done it or be doing it to other victims out there and I want my money applied and possibly the appropriate credit balance on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Dear CFPB, I'm writing to notify you about a fraud case I have currently ongoing with SOFI Bank. Over the course of two days in XXXX, my account was charged over {$15000.00} by an external merchant which I had in no way authorized. The transactions were found to be originated geolocated in New York during those days. I was in XXXX for a work conference and have the flight tickets to prove that. I've submitted that evidence as well as several other pieces they have asked for and my claim was still denied. I've filed an appeal and am waiting to hear back but have gotten no information as to the reasoning behind the original denial. During that same period I also had an issue with my XXXX XXXX XXXX  debit card being compromised and it seems the culprit was that my XXXX XXXX with those payment methods was hacked or compromised. XXXX XXXX XXXXXXXX settled the case in a timely fashion. I submitted XXXX XXXX XXXXXXXX 's resolution to SOFI as well but they still denied my claim. Please help as I in no way authorized these charges. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-06-03 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: AL

Complaint narrative:
I am writing in response to your items reporting on my credit report regarding an alleged debt that you claim I owe. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide proper validation of this debt.

Please provide the following : 1. The amount of the debt ; 2. The name of the original creditor ; 3. A detailed statement or copy of any judgment.

4. Documentation showing that you have the legal right to collect this debt ; 5. A copy of the original contract or agreement bearing my signature.

6. Proof that the statute of limitations has not expired.

Please be advised that until this debt is properly validated, you must cease all collection activities, including reporting this debt to credit reporting agencies. Any further collection activity without validation of the debt may be considered a violation of the FDCPA. 

This letter is not an acknowledgment of the validity or ownership of the alleged debt. I request that all future communications be in writing only.

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 2025-06-03 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: WI

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4000.00}

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 explanation
Consumer complaint received 2025-06-03 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: WI

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX | DOB : XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX Compliance Dispute XXXX Report # XXXX To Whom It May Concern, Please reinvestigate the following accounts. Each item contains Metro 2 data-field errors that render the information unverifiable under FCRA 602 ( b ) & 611. 

XXXX ) * * XXXX XXXX XXXX * * Acct # XXXX ( Collection, {$620.00} ) * Date of First Delinquency ( DOFD ) not provided. * Collection shows * * Terms 1 Month, * * an impermissible payment-term field for a collection. 
Comment block repeatedly displays * * Invalid date. * * Status-updated date ( XXXX ) predates first C code in payment grid ( XXXX ). 
* Requested Action : * Delete the trade line if the furnisher can not supply a Metro 2-compliant record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX ( Charge-Off, {$610.00} ) Past-due amount * * still reports after charge-off * * Metro 2 requires {$0.00} past due once charged off.

No DOFD appears anywhere in the trade line.

Account still shows * * 75-Month Terms * * even though it is closed/charged off. 
* Requested Action : * Delete or correct to full Metro 2 compliance.

Please * * delete * * any information the furnisher can not verify in strict Metro 2 format within 30 days and send me an updated report. If you verify, provide the name, address, and telephone number of each source and the supporting documentation relied upon. 

Thank you for your prompt attention. 

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is reporting a XXXX XXXXXXXX bankruptcy from Case No. XXXX filed on XX/XX/year>, but it was dismissed on XX/XX/year> and closed on XX/XX/year>. Their report does not include the dismissal or closure status and leaves the " Status '' field blank, which misleads lenders into thinking it is unresolved or still active. 

I uploaded court documents showing the case was dismissed and closed more than 5 years ago. I recently disputed this and provided proof, but Equifax failed to update or correct it. I am requesting that this dismissed bankruptcy be fully removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-03 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: SC

Complaint narrative:
After reviewing my credit report I notice that I have fraudulent accounts listed on my report. The negative collections are hurting my ability to obtain new credit. Please delete the fraudulent collections from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
After reviewing my credit report I notice that I have fraudulent accounts listed on my report. The negative collections are hurting my ability to obtain new credit. Please delete the fraudulent collections from my credit 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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
In XXXX I applied for federal student loan forgiveness under the one-time Biden-Harris Student Loan Debt Relief plan . Later that year, I received an official email from the U.S. Secretary of Education stating that my application had been reviewed and approved, and that the approval was forwarded to my loan servicer ( MOHELA ). The message stated that I did not need to take any further action. 

However, despite this approval, no forgiveness was ever applied to my account. My loan balance remained unchanged. Instead, MOHELA placed my loans into forbearance multiple times. As of XXXX, my loans are still active, and the StudentAid.gov portal now says I am ineligible for forgiveness. 

I have not received any clear explanation from MOHELA about why my forgiveness was never processed. I also requested information about whether the forgiveness would be honored or replaced with another form of relief, but I did not receive a full or helpful response. 

I am asking for a formal investigation into why my approved forgiveness was never carried out and for my record to be updated accordingly. I am also requesting to be considered for any current or future forgiveness efforts based on my original approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hindering my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a letter I sent : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> Citibank Customer Service Citibank Executive Review Unit Fax : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Urgent Request for Reinstatement or Refund Citi / AAdvantage Executive Card Dear Citibank Customer Service , I am writing to formally request urgent assistance regarding the unexpected closure of my Citi/ AAdvantage Executive World Elite Mastercard , ending in XXXX. I have been a loyal Citibank customer for over 30 years, and I currently hold XXXX XXXX status with your institution. 
Additionally, I am a long-standing AAdvantage frequent flyer member with XXXXXXXX XXXX  XXXX Account # XXXX ). I have almost a XXXX miles flying with XXXX XXXX XXXX  ). 
In XX/XX/scrub>XXXX XXXX  I paid the {$590.00} annual fee associated with the Executive card, primarily for access to the XXXX XXXX. Since then, Ive attempted multiple times via phone to determine the reason for the account closure. Unfortunately, despite these efforts, I have yet to receive any formal notification or explanation. As a result, I am left completely in the dark, unable to understand or resolve the issue. 

Given my long and positive relationship with Citibank, the annual fee I paid, and the value I place on this account, I respectfully request the following : 1. Immediate reinstatement of my Citi Executive card and restoration of associated benefits, OR 2. A full refund of the {$590.00} annual fee, since I have not been able to utilize the benefits paid for. 

Please understand the significant impact this has on my travel plans and loyalty to both Citibank and XXXX XXXX. I kindly ask that this matter be escalated and reviewed promptly. I am more than willing to provide any additional information you may require and can be reached at XXXX or XXXXXXXX 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution. 

Sincerely, 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 non-monetary relief