vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: KY

Complaint narrative:
I took out a student loan back in XXXX. Due to the amount of time I was in school, as well as the multiple suspensions set in place by the government, payments were not necessary until XX/XX/XXXX. Prior to that, I attempted to log into my MOHELA account. A notice stated that my account information was incorrect, and gave me the option to reset my password. I attempted to do that multiple times, and never received an email with any further information or instructions. I took time out of my workday to wait on the phone for two hours before I was connected with a customer service representative. I explained the situation to her, and address concerns of my credit score being impacted. She assured me that was not going to happen. I then confirmed that my email was correct, updated my home address, and was issued a temporary password. As soon as we hung up, I attempted to login using the temporary password that was issued to me. I was immediately greeted with another incorrect information notice. After having spent over two hours on the phone, during my workday, I was left with no other options, but to handle the situation at another time. When I was able to, I attempted to log in and reset my password, which was again a failed attempt. For the first time, I received an email on XX/XX/XXXX regarding the status of my student loan. The email stated that my credit score could be impacted, my wages could be garnished, due to the delinquent status of my loan. I called that day to try and resolve the issue of logging into my MOHELA account. I waited on the phone for over 45 minutes, after receiving notice that I could be on hold for up to two hours. I am not able to neglect my job in hopes of speaking to a representative for additional incorrect information. My credit score has gone down XXXX points, which is a greatly affected my financial status. I mailed a letter to the address listed on the MOHELA website on XX/XX/XXXX stating my concerns as well as my inability to successfully contact someone who is able to help me with the status of my loan. I am seeking help regarding this matter, as I am at a complete loss and hold my finances in high regard. I want to reiterate the fact that there have been numerous attempts on my behalf to email, call and contact via USPS. Im at a complete loss as to how Im able to get this matter resolved. 

I feel it is necessary to also disclose that my husband and I both work for local law enforcement agencies. We can not afford negative credit impacts, as we depend on our credit to aid us in preparing a better future for ourselves. Those who are employed by rural area law-enforcement agencies typically seem to make less than an honorable amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MD

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ELAN FINANCIAL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2025-03-26 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 want reported accounts to be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-26 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: MD

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX Account numbeXXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  Account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.

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 2025-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Associated with capital one and accounts ending in XXXX and XXXX Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. 
Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl. 
Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Supporting Documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
In Missouri, the statute of limitations for deficiency on a car loan after repossession or voluntary surrender is 4 years, this creditor is reporting missed payments up until this month when the account has been closed since 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 2025-03-26 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-26 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$250.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$26000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2700.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2025-03-26 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple fraudulent accounts listed on my credit report. I have reason to believe that my personal information was compromised as a result of a data breach and used without my authorization to open accounts in my name. 

These accounts were not opened by me and are the result of identity theft : XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX  XXXX ( Account Number : XXXX ) appears twice XXXX XXXX XXXX XXXX Account Number : XXXX ) XXXX XXXX  ( Account Number : XXXX ) XXXX XXXXl ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX  XXXX XXXX ( Account XXXX XXXX XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX  ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX  XXXX  ( Account Number : XXXX ) XXXX  XXXX ( Account Number : XXXX ) appears XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX  ( Account Number XXXX XXXX XXXX I did not authorize or open any of these accounts. Under Section 605B of the Fair Credit Reporting Act ( F

CRA, 15 U.S.C. 1681c-2 ), I am requesting the immediate blocking and removal of these items from my credit report, as they are the result of identity theft.

Per the FCRA, you are obligated to block this information from my file within four ( 4 ) business days after receiving this request and must notify the furnishers that the information has been identified as fraudulent. 

I am currently in the process of gathering supporting documentation and will provide it if needed to continue this investigation. In the meantime, I respectfully request a review of these accounts and a written update regarding the actions taken. 

Please let me know what additional steps are needed to complete this process.

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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
In the fall of XXXX, we received a letter from your office stating that the funds " appear to have been rejected and not blocked '' and advising us to contact the XXXX XXXX  Bank of America to confirm the rejection and return of funds. 

Following that guidance, we submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) ( Complaint ID : XXXX ). The CFPB portal later noted that Bank of America had responded on XX/XX/XXXX, yet no response was ever received by XXXX XXXX XXXX or by myself as the authorized representative, despite repeated outreach via email and phone. We have now exhausted that complaint process, and the matter remains unresolved. 

Request for Escalation and XXXX Support : We respectfully request that the XXXX XXXX XXXX XXXX XXXX escalate this matter with Bank of America and provide support in facilitating the immediate return of the funds. Specifically, we ask that XXXX : Engage with Bank of America to confirm the status of the rejected wire transfer and determine where are the funds. 
Support the immediate return of the full amount XXXX  {$95000.00} to XXXX XXXX XXXX originating bank account. 
Provide any further guidance on how we XXXX proceed legally or administratively should the bank remain unresponsive. 
This situation has remained unresolved for more than XXXX years and has caused substantial financial and operational hardship to XXXX XXXX XXXX We have acted in good faith throughout and now require direct assistance to resolve the issue. 

Please find attached : Your original response letter ( XXXX XXXX XXXX ) A copy of the CFPB complaint summary confirming the complaint process and lack of resolution We are prepared to promptly provide any additional documentation you XXXX require, including the original invoice, SWIFT transaction records, and contractual documentation.

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 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
My car loan was with Ally Financial its showing as Closed and Charge off. It also states the balance was written off but they still reporting to my credit i owe the balance. I requested a XXXX form through via mail from them also haven't received anything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NC

Complaint narrative:
I have been trying to get my refund back from Cashapp from a transaction on XX/XX/year> at XXXX. I was hacked, showed proof, police report, emails, screenshots, and other evidence. They WILL NOT help me. I have filed several claims, but receive no help. I need that money back today. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
I am writing to formally dispute multiple charge-off entries listed on my credit report. Below are the account details I am disputing : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX Creditor Name : XXXX  Account XXXX Date of Charge-Off : XXXX XXXX Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XXXX XXXX I believe the charge-offs reported on these accounts are either inaccurate or incomplete. I have reviewed my records and found discrepancies with the reporting of these accounts. To assist in verifying the accuracy of these charge-offs, I have attached the following documentation for each account : I never received any 1099 cancellation of debt form for any balance wrote off after closing remarks a profit loss Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information that appears on my credit report. The FCRA Section 1681i mandates that credit bureaus investigate and respond to disputes within 30 days. If any of these charge-offs are determined to be inaccurate or incomplete, they must be removed or corrected from my credit report in accordance with FCRA Section 1681c-2.

I kindly request that you investigate the information regarding these charge-offs and correct any inaccuracies. If you need any further documentation or information, please contact me directly at [ Phone Number ] or [ Email Address ]. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the charge-offs have been properly investigated and, if found inaccurate, removed 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