vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: TX

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 explanation
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number XXXX :, Consumer Date of Birth : 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 TransUnion, Equifax, Experian 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 XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # XXXX as proof from the XXXX 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 2025-07-11 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number XXXX :, Consumer Date of Birth : 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 TransUnion, Equifax, Experian 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 XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: GA

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 XXXX 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 explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: KY

Complaint narrative:
I requested to revoke a payment method on multiple occasions and was told I could not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have an account with Citibank I had a balance of {$500.00} and something account was closed and XXXX waiting on my refund check I keep calling and no one can give me an answer I need my money to pay bills that I am behind on this is XXXX  me since I just gave birth and this money can help me out

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 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:
previously disputed an account reported by XXXX  on my Experian credit report in XX/XX/XXXXXXXX. Instead of correcting or removing the inaccurate data, Experian updated the account status to Indeterminate, which is vague, misleading, and not a valid or verifiable status under the Fair Credit Reporting Act ( FCRA ). 
The account in question shows a {$0.00} balance, a charge-off status, and notes that it was transferred to another lender and closed in XXXX. Experian failed to provide any documentation or reinvestigation results that justify retaining this account on my file in an " Indeterminate '' status. 
Under FCRA 611 ( a ) ( 5 ), if information can not be verified, it must be deleted. Experians failure to correct or delete the unverifiable and damaging data is a violation of my consumer rights.

I am requesting that the CFPB intervene and compel Experian to fully delete this account from my report due to its unverifiable and harmful nature.

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 2025-07-11 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I deposited a check for {$8200.00} into my Capital One checking account on XX/XX/year>. Capital One placed a hold on the entire check amount until XX/XX/year>, citing that the check may not be paid and they were holding the funds for my protection. 

My account is not new, and I have no history of repeated overdrafts. Therefore, under Regulation CC, I should have been given access to at least {$270.00} by the next business day ( XX/XX/year> ). Capital One has refused to release any portion of the funds and is claiming that Regulation CC itself is the reason they can not release the {$270.00}. This is a misrepresentation of the law. 

Regulation CC allows banks to hold deposits for verification, but still requires {$270.00} to be made available unless an exception applies, which in my case it does not. I have not received any proper written exception notice justifying a full hold. 

I am requesting that Capital One be required to comply with Regulation CC and release the {$270.00} as mandated by federal law. I also request the CFPB review Capital Ones handling of check holds and investigate whether they are improperly applying Regulation CC to delay funds availability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: MD

Complaint narrative:
I sent the below letter to MOHELA requesting information and the correction of my account : MOHELA XXXX XXXX XXXX XXXX, MO, XXXX Subject : Request for Account Correction and Dispute of Delinquency Dear Sir or Madam, I am writing to formally notify you of an error regarding my student loan account, ACCT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I have recently received correspondence indicating that my account is reported as delinquent. See Attachment XXXX. However, I have made payments totaling XXXX  XXXX XXXX XXXX XXXX XXXX  which, per my records, were not credited to my account, leading to this incorrect status. 

The payments were made on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For your reference, I have attached copies of bank statements confirming the oldest of these payments and an account print out for the other XXXX. 

I kindly request an immediate review of my account records to rectify this issue by appropriately crediting the payments made and correcting the delinquency status. Additionally, I would appreciate a confirmation in writing once the necessary adjustments have been made. 

If these payments were mishandled or delayed by any processing issues, I trust you will resolve this matter promptly. Thank you in advance for your attention to this urgent matter. I look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC
State: KY

Complaint narrative:
I am disputing a debt on my credit report from Source Receivable Management. The amount is inaccurate and comes from a former property management company that no longer manages the location where I used to live. I contacted the XXXX XXXX XXXX XXXX and was told over the phone that no eviction case or money judgment exists under my name. 

I have requested debt validation multiple times, but Source Receivable Management refuses to email me the documentation, even after I explained I am a student in a transitional housing situation and do not have a reliable mailing address right now. Their refusal is preventing me from getting approved for housing. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive documentation of the debt in writing. I am asking for your help to make them either ( 1 ) provide validation via email or ( 2 ) remove the account from my credit report if they can not prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/XXXX I closed on my house and the funds were issued to Navy Federal Credit Union XX/XX/XXXX. 

To prevent any negative reporting I made a payment of {$1200.00} on XX/XX/XXXX and the remaining balance {$56000.00} was paid XX/XX/XXXX. 
However on my credit report for XXXX XXXX XXXX my account status show XXXX has pas due. 

I have dispute this XXXX times with the credit bureaus & Navy Federal. Navy Federal stated they show my account paid /closed. This only appears on experian that way. 

My payment history shows everything on time and the account closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am writing to kindly request a goodwill adjustment to my credit report concerning a late payment reported on my Ally Financial account ending in XXXX, dated XX/XX/year>. 

This account has otherwise been consistently paid as agreed and remains in good standing. I value my relationship with Ally Financial and have worked to maintain a positive payment history. The reported late payment does not reflect my overall payment behavior and may have been due to an isolated oversight or unforeseen circumstance. 

As someone who is working diligently to maintain and improve my credit standing, I would sincerely appreciate it if you could consider removing the late payment from my credit report as a gesture of goodwill. This adjustment would make a significant difference in my financial health and reflect the responsible management Ive demonstrated with this account. 

I understand that Ally Financial is not obligated to make such adjustments, but I am hopeful that my history with your company and the nature of this request may merit consideration. 

Thank you for your time and for offering quality service. I would be grateful for your support in this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX, I received a text message yesterday (XXXX XXXX XXXX) around XXXX (from phone number XXXX XXXX XXXX XXXX) , regarding unverified XXXX XXXX usage and unusual activity and to call the XXXX  Support number (XXXX). I called the number and spoke to someone for about half hour regarding the text. At first he didnt hear me clearly, so he called from a FaceTime audio (XXXX). From there, he told me about XXXX  viruses and how my phone got hacked from different countries such as XXXX, XXXX, XXXX and a couple others. He then transferred me to someone named XXXX  (XXXXXXXX) and I was with him for about an hour, also FaceTime audio. He then asked me to select the screen with person option so he could see what I was doing on my phone to assist me. He then had me transfer money from my bank account/XXXX  XXXX  to my XXXX XXXX and my XXXX  accounts to help with protection (it was about XXXX). Also during the call, I got a fraud alert text from my bank (XXXX XXXX) if one of the transactions of XXXX was from me and I was told to reply Yes to it. Also on XXXX XXXX, XXXXXXXX  was used for XXXX  and then got sold, and also did a failed transaction attempt (also $XXXX) to an XXXX  XXXX. When he was wrapping up the call, he told me to not do anything and that hell take care of the rest in eliminating the viruses and the hackers. He also said hed call back this morning (XXXX XXXX XXXX) at XXXX  and I have not received a call back from him. I tried calling the XXXX  support number and a lady picked up and told me that a XXXX  didnt work there. So I called XXXX  FaceTime to reach him multiple times and he has not picked up, further raising my suspicions. I then called my bank to speak regarding the fraudulent call and the representative told me to report this to my XXXX, XXXX  and XXXX. And Ive also wanted to report this to the law/government so I did it here.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
Subject : TransUnion Refusing to Update Accurate Account Status Despite Supporting Documents from Creditor I submitted a dispute to TransUnion regarding a paid personal loan from XXXX. I provided TransUnion with official documentation from the creditor showing the loan was fully paid. However, TransUnion continues to report the account as only Closed / {$0.00} and refuses to mark it as Paid or Paid in Full. 

I contacted TransUnion and was told they can see the documents but can not add any comments or updates. This directly contradicts their obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation and correct or complete consumer file information. 

I am requesting that TransUnion update the account status to Paid in Full as documented by XXXX, or clearly explain why they are refusing to reflect the correct status despite valid creditor documentation. This error is materially impacting the interpretation of my credit file.

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