vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$63000.00} Date XXXX Date of Last XXXX Last Payment : XX/XX/XXXX Late 30 days XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$470.00} Date XXXX Date of Last XXXX Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} Date XXXX Date of Last XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date XXXX Date of Last XXXX Last XXXX Late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} Date XXXX Date of Last XXXX Last Payment : XX/XX/XXXX XXXX 30 days XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX Last 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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Cease and Desist Notice FDCPA 805 ( c ) / 15 U.S.C. 1692c ( c ) To Whom It May Concern, This letter serves as formal notice that, under the Fair Debt Collection Practices Act ( FDCPA ), you are to cease and desist all communication with me regarding the account listed below unless you can provide full and complete validation of the alleged debt. 
Account Information : Creditor : Lobel Financial Corp Account Number : XXXX Date Opened : XX/XX/year> You are hereby notified to stop all calls, letters, and any other form of contact with me, including communications to my home, work, email, or through third parties. Any continued attempt to collect, report, or verify this account without validation constitutes a willful violation of the FDCPA ( 15 U.S.C. 1692c ) and may result in legal action. 
If you believe you have the right to continue contact, please provide : Full documentation verifying the debt and your legal right to collect it, including the original signed contract, payment history, and charge-off details. 
Proof that this account is not time-barred and that you have the right to report or pursue it. 
Absent this documentation, I demand that you immediately cease all communication and request deletion of any inaccurate reporting with all consumer reporting agencies pursuant to the Fair Credit Reporting Act ( FCRA ). 
Failure to comply with this request will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Department of Financial Protection and Innovation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX'It took XXXX  months to get the old print.XXXXThey sent other people.informatinXXXXI tried to get resolved they didnt they keep stating  I would see credit. I never received creditthey closed the account. And still  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 2025-10-31 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: NJ

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX XXXX XXXX to Equifax Information Services LLC on my 1 ) -Mortgage account XXXX ) XXXX for the date XXXX ) XXXX. This reporting is incorrect and has negatively impacted my credit score. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. 
Additionally, case law such as XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) and XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Climb Credit Inc.
State: IL

Complaint narrative:
School : XXXX XXXX XXXX XXXX ( closed/dismissed advisory board ) Lender XXXX Climb Credit Loan : {$9400.00} financed on XX/XX/year> Payments started : XX/XX/year> Services promised ( Exhibit A ) : - 24 months mentorship - Regular scheduled calls - Unlimited project review - Lifetime web program access * * NONE DELIVERED * * On XX/XX/year>, I formally requested ( email to XXXX ) : XXXX. Closure/refund policy XXXX. Contract XXXX. Pro-rata refund XXXX. Forbearance * * NO RESPONSE * * Climb Credit refuses : Refund my payments Discharge balance Forbearance Says : " Only if school repays us '' ( school insolvent ) * * Relief requested : XXXX XXXX XXXX. Full discharge ( {$9400.00} ) XXXX. Refund all payments XXXX. Forbearance now XXXX. Remove negative credit marks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
When reviewing my account on the Mohela website, it was discovered that payments were not reflected. I submitted a email to them and was told to upload documentation reflecting the issue. In XXXX XXXX  2025, I uploaded documentation reflecting bill pay statements, bank statements, and other documentation highlighting payments recorded in their system and payments missing. I have called customer service for 10 months with no resolution to the situation. Every discussion leads to them sending the issue higher up, then to accounting with no resolution. In XXXX XXXX  2025 I filed a complaint with CFPB and after the 90 days, no response was provided by Mohela. I recently called and was told the documents I had on file was gone and to reupload them, meaning someone on their side deleted records of it after the first complaint being filed to CFPB.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
This complaint is filed by XXXX XXXX XXXX, XXXX, through its authorized representative XXXX XXXX, on behalf of XXXX XXXX XXXX see attached authorization ). The complaint is against Equifax Information Services LLC for willful violations of the Fair Credit Reporting Act ( FCRA ). Despite a formal FCRA dispute sent on XX/XX/year>, Equifax continues to report inaccurate and unverified information for XXXX CARD ( ending XXXX ) and XXXX XXXX ( XXXX ). Equifax failed to perform a reasonable reinvestigation under XXXX U.S.C. XXXX and has not provided any verified documentation proving the accuracy or ownership of these accounts. The continued reporting of false and unverifiable data violates XXXX ( b ) and XXXX ( b ), causing financial and reputational harm to the consumer. The authorized representative demands immediate deletion of these accounts unless Equifax can produce full, verifiable proof of accuracy. Written confirmation of all actions and updated reports must be provided to both the consumer and the representative within XXXX ( XXXX ) days. Failure to comply will result in further complaints to regulators and potential legal action under FCRA XXXX. XXXX XXXX XXXX & XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ok so equifax had a data breach and since that time I was wondering why I couldnt get housing banks wouldnt loan me anything to get my business I recently lost everything including my health insurance a accident and I cant even get XXXX filed because there are numerous jobs supposed to have worked for and nobody ever had my info besides them and I never even gave permission to have it and since that data breach is when all this companys say I work for them. I filed my claim XXXX but nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I have XXXX disputes with Affirm  and without full review they closed them siding with the merchant. They did not show me what the merchant provided and on my side of things the merchant sent me threatening emails, cussing me out, over submitting the dispute. They never came back to me to follow up, before closing the dispute in favor of the merchant. I asked Affirm to appeal and got no response. Loan IDs : XXXX and XXXX. I can provide evidence of the threatening emails. Why was I not provided with the full service the merchant promised them they would provide me before they closed these disputes. I have XXXX tracking # 's for the disputes I have processing with Affirm that they closed without my consent : XXXX and XXXX. XXXX XXXX, XXXX and XXXX have all been involved in these disputes and none of them investigated this or communicated with me on the process. I want a refund for the items I was not provided from the merchant and this needs to be investigated, I am a longterm customer with Affirm and will be closing all accounts if they do not handle this properly. XXXX loan is {$110.00} disputed, and XXXX loan is {$90.00} disputed. Total amount disputed {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
To : Experian XXXX. XXXX XXXX, XXXX, TX XXXX To : Equifax XXXX. Box XXXX, XXXX, GA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX To : Equifax XXXX XXXX  XXXX, XXXX, GA XXXX : Equifax XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX To : TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : FCRA/FDCPA Dispute and Validation Notice Immediate Investigation Required The following accounts are being disputed as inaccurate, unverifiable, or incomplete under the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX XXXX {$19000.00} ( XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX {$580.00} ( XXXX XXXX XXXX ) XXXX. XXXX XXXX {$16000.00} ( XXXX  XXXX  XXXX XXXX XXXX ) XXXX. XXXX {$250.00} ( 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 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Final FCRA Identity Theft Reinvestigation Demand XXXX Account Dear Equifax, I am formally disputing the XXXX XXXX XXXX account currently appearing on my Equifax credit report. This account is the result of identity theft. I did not open, authorize, or benefit from this account, and I demand its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

Identity Theft Supporting Documents Already Verified by Equifax I previously submitted the following documents, which Equifax has already confirmed as received and verified : FTC Identity Theft Affidavit Government-issued ID Social Security card Proof of physical address Because these documents have already been confirmed and accepted by Equifax, I am not resubmitting them with this dispute. 

The only attachment included now is my most recent Equifax report with the fraudulent account circled for reference. 



FCRA Laws Supporting This Dispute Identity Theft Blocking Requirement FCRA XXXX ( XXXX U.S.C. XXXX ) Requires credit bureaus to block and remove information that results from identity theft once documentation is provided. 

Failure to Properly Verify Information FCRA XXXX ( XXXX U.S.C. XXXX ) Requires a reasonable reinvestigation when a consumer disputes inaccurate information. 

Duty to Ensure XXXX FCRA XXXX ( b ) ( XXXX U.S.C. XXXX ( b ) ) Requires maximum possible accuracy. 
XXXX continued reporting of this fraudulent account fails this requirement. 



Address Mismatch Confirms Fraud XXXX does not have my correct residential address. 
I have lived at my current address for over XXXX years, and my identity documentation has already verified this. 
An account opened under a different address with no connection to me is clear evidence of identity theft. 



Requested Action I am demanding : XXXXImmediate removal and blocking of the XXXX account XXXX FCRA XXXX XXXX written confirmation of deletion XXXXA description of the investigation and the method of verification used, per FCRA XXXX ( a ) ( XXXX ) Continued reporting after verified fraud documentation has been provided constitutes a violation of federal law and will result in further complaint filings and enforcement requests. 



Sincerely, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Attachment : Most recent Equifax report with account highlighted in red circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within XXXX ( XXXX ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

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 2025-10-31 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with XXXX U.S.C. XXXX, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: SC

Complaint narrative:
I am submitting as the rightful owner of the credit profile associated with the information below to dispute an inaccurate item that has appeared on my credit report. My intent is to ensure that my file reflects fair and accurate reporting, as guaranteed by the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$210.00} Under FCRA 611 ( 15 U.S.C 1681i ), I have the right to dispute any information that is inaccurate, incomplete, or can not be verified. This section also mandates that upon receiving a dispute, the credit bureau must conduct a reasonable reinvestigation of the disputed information within the legally prescribed time frame typically 30 days.

Additionally, FCRA 623 ( a ) ( 2 ) clearly states that information furnishers have a duty to correct and update information they provide to ensure maximum possible accuracy. If XXXX discovers that the information they reported is incomplete or inaccurate, they are required by law to promptly update or correct it.

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 2025-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital one misrepresented the XXXX Savings account as having XXXX of the nations highest interest rates, yet failed to notify account holders about superior rate offered by the XXXX XXXX savings account. This deliberate obscurity and lack transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I Seek redress for the misleading practices and failures to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Payment was made before 30 days past due. I am XXXX XXXX and currently XXXX to XXXX XXXX where we tower issues so that may have caused a disruption in payment. I logged in and made payment again. Respectfully requesting the bank to please remove negative credit remark off my credit report. 

Account number : 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 2025-10-31 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: NC

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief