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: EQUIFAX, 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 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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MT

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

I am submitting a formal complaint regarding inaccurate late payment entries reported by XXXX XXXX XXXX to the national credit reporting agencies, specifically Equifax. The account in question is XXXX XXXX XXXX XXXXXXXX, with late payments reported from XX/XX/XXXX through XX/XX/XXXX, and XX/XX/XXXX. These entries are incorrect and the result of the creditors reporting errors. I previously disputed these entries with both the credit bureaus and XXXX XXXX XXXX under the Fair Credit Reporting Act ( FCRA 1681i & 1681s-2 ) and provided supporting documentation proving the inaccuracies. Despite this, XXXX XXXX XXXX and the credit bureaus have failed to correct or remove the inaccurate information. I am requesting that the CFPB investigate this matter, ensure the inaccurate late payment entries are deleted or corrected, and require XXXX XXXX XXXX to provide documentation verifying the accuracy of these entries.

Company response to consumer: Closed with non-monetary relief
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:
Mohela took out a payment without my consent while my accounts where in forbearance ( an automatic payment should have never come out due to account status ). I requested a refund for the payment, it was reversed on my loans but I have not received my refund. 

See payment details below : XX/XX/year> - Payment Reversal - {$190.00} XX/XX/year> - Payment - {$190.00} Initially I was told it would take XXXX business day for my refund, later I was told XXXX business days, then they stopped replying all together.

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 — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX Capital One Credit Bureau Reporting Department RE : Account Ending in XXXX Demand for Correction of Inaccurate Credit Reporting Dear Capital One Credit Bureau Department, I, XXXX XXXX, am writing to formally demand an immediate reinvestigation and correction regarding my account ending in XXXX, which is being inaccurately reported as a Charge-Off despite being closed and settled. 
Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ), you are legally obligated to ensure that any information furnished to consumer reporting agencies is complete and accurate. Reporting a settled or closed account as a charge-off constitutes a violation of the accuracy and reinvestigation provisions of the FCRA, and misrepresents the true status of the account. 
Additionally, per the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 8 ), the continued reporting of false or misleading credit information constitutes deceptive conduct. Your institution must immediately update the credit bureaus XXXX XXXX XXXX XXXX to reflect the accurate status of this account as Closed or Paid/Settled - OK.

Please provide written confirmation that you have corrected the reporting and notified all credit bureaus. You have fifteen ( 15 ) calendar days from the date of this letter to comply. Failure to act within this timeframe will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office. 
I have maintained records of all communications and supporting documentation regarding this account, and expect full compliance with the FCRA and FDCPA. 

XXXX XXXX XXXX of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX 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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica
State: CT

Complaint narrative:
My name is XXXX XXXX XXXX. I have been having problems with XXXX XXXX, the card that Social Security ( SSI ) benefits go to.

This has been an ongoing problem, since the beginning of XXXX. I lost my card ( stolen ) and called the said service to report this.

They asked me to send my ID, which I did, ( non expired, photo clear ) to rectify the situation and it was sent immediately. For some unknown and unclassified reason, they denied my State of Connecticut ID card. They, in turn, asked me to send my birth certificate and social security card via email. I did not have these readily available and had to send out for these documents.

After a month ( beginning of XXXX ), I finally obtained these documents. I sent them via email right away to the said XXXX XXXX company. They claim now that it takes AT LEAST 120 HOURS TO REVIEW.

They have yet to release to my my XXXX SSI payment of {$960.00} plus {$300.00} that was still on my account to me. And when I call, they claim my account is still in review.

It is going on the third month and I still have no access to my funds. I dutifully sent my State of Connecticut ID, birth certificate and Social Security card to them jeopardizing my identity by doing so.

They still have not resolved this.

I authorize you to contact this company on my behalf and sue them in order for me to collect my SSI monies. 

XXXX XXXX XXXX XXXX XXXX XXXX Certified Paralegal XXXX XXXX __________ XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: NV

Complaint narrative:
I made a purchase from XXXX using XXXX. My order was split into two packages. The first one was delivered correctly, but the second package was marked as Delivered to mailbox which is impossible because it was too large to fit. USPS never leaves packages outside, only in locker or mailbox, so it definitely wasnt stolen.

I immediately checked, but it was not in my mailbox or locker, and I never received it. I filed a Missing Mail Search with USPS, and they confirmed they are still investigating the case because the package was not found. 

I contacted XXXX multiple times ( including through their representative XXXX ), but they refuse to investigate or refund, and they continue claiming that the package was delivered. XXXX also refuses to refund, saying that XXXX confirmed the delivery, even though I have clear evidence that the package was not received.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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: PA

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a balance transfer request with Capital One. I did this because, as of my XXXX statement on XX/XX/XXXX, my balance was up to {>= $1,000,000}. My credit line with XXXX is {$13000.00}. I wanted to take advantage of a promotional XXXX of 0 % for 12 months with Capital One if I did a balance transfer as well as alleviate the balance on my Chase card. I am having difficulties keeping up with my student loan debt, credit card debt, and sustaining my family. The balance transfer was processed by Capital One on XX/XX/XXXX. I was informed that this would be reflected in my XXXX account within XXXX business days. I contacted XXXX bank the morning of XX/XX/XXXX because the balance transfer was never reflected in my account and now my credit card has surpassed my credit limit. XXXX informed me that they had not received a balance transfer request and that I should contact the issuing bank. Shortly after I talked to XXXX, I called Capital One to which they informed me that they processed the balance transfer but for some reason it did not go through with the other bank. They proceeded to tell me that they were unable to determine why the balance transfer could not be communicated with XXXX and cancelled the balance transfer. I informed Capital One that I did not want to cancel this balance transfer as I would have to wait another XXXX business days for the new transfer to occur and I was depending on that balance transfer to have occurred by now like they said it would. Capital One ultimately cancelled my balance transfer anyway and insisted that it was the only thing they could do for me. Now I am left with a Capital One bank account that I do not plan to use as I had a terrible experience with them and a maxed out and over drafted Chase card debt. XXXX ended up receiving the {$4000.00} check on XX/XX/XXXX but Capital One cancelled it on XX/XX/XXXX since they already cancelled the balance transfer. I have resubmitted a balance transfer request through Capital One on XX/XX/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 — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting to dispute and request an immediate investigation into several inaccurate and outdated items currently being reported on my credit file. These errors have caused confusion and are misrepresenting my creditworthiness, which is deeply concerning to me as a consumer entitled to fair and accurate reporting under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$27000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$570.00} I question whether there was a permissible purpose under FCRA 604 ( a ) ( 3 ) for these entries to be accessed or furnished to the credit bureaus. If the entities reporting or pulling this information did so without my consent or legitimate authorization, this constitutes a violation of my rights under federal law.

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 — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
I a former cash app member last 4 years I just closed my account last year I went through 6 cash app account for unauthorized charges and I wasn't ever notified for the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I paid nearly {$18000.00} to Westlake Financial ( as a debit card payment ) as I needed to pay off the car in order to sell it. I have called numerous times as I am moving within in the next month and need the lien released so the title can go to the right place. It is now a month later and they are telling me that the will not release the lien until at the earliest XX/XX/XXXX. The funds were processed out of my account the same day, as I see it, I completed my part of the contract by paying the car off. They refuse to give me the title.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: MT

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

I am filing this complaint against TD Auto Finance for failing to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA 1681s-2 and 1681i ) after I disputed inaccurate information they furnished to the credit reporting agencies. The disputed accounts are TD AUTO FINANCE XXXX and TD AUTO FINANCE XXXX. These accounts were reported with false late payment entries covering the periods of XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX, and XX/XX/XXXX, respectively. I previously submitted written disputes directly to TD Auto Finance and to the credit bureaus, providing documentation that demonstrated the reported delinquencies were inaccurate and unverifiable. However, XXXX XXXX XXXX failed to conduct a reasonable reinvestigation, failed to review my submitted evidence, and verified the information without providing any proof or method of verification. This constitutes willful or negligent noncompliance with the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clark County Collection Service
State: NV

Complaint narrative:
I asked for collection information My credit report shows a collection from your agency. I was never notified of this collection. What's more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. 
Therefore, please provide me with a copy of all the following : XXXX. An explanation of what this alleged account balance is for. 
XXXX. A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX. Documentation that shows I agreed to pay this debt. 
XXXX. The Agreement that grants you authority to collect on this alleged debt. 
XXXX. A copy of your state license, including license number. 
Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 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/year>

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 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/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation