vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
This is a follow-up complaint regarding the unauthorized inquiry by XXXX XXXX - XX/XX/year> on my Equifax credit report. Despite my initial dispute, this inquiry remains inaccurately reported, raising serious concerns about the integrity of XXXX data verification processes. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), Equifax is required to ensure that only authorized and accurate inquiries appear on my credit report. Unauthorized or improperly validated inquiries can have a detrimental impact on my credit score, unfairly penalizing me for transactions I did not initiate or authorize.

Given Equifaxs recent history of conducting inadequate investigations, as highlighted in recent CFPB findings, I am deeply concerned that this inquiry may not have been properly verified. This lack of oversight not only violates my rights as a consumer but also exposes me to unnecessary financial harm and reputational damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-14 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$240000.00}. 
Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$18000.00}. 
Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

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 2025-05-14 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: AZ

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

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 2025-05-14 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: NY

Complaint narrative:
I must emphasize that this complaint is not submitted in error. My credit report contains inaccurate information that fails to meet the legally required standard of maximum possible accuracy. These errors are placing an ongoing and serious burden on menegatively affecting my credit, my financial stability, and my peace of mind. 
I have raised this concern multiple times, yet the inaccuracies remain unresolved. These are incredibly difficult times, and the continued presence of these errors is only adding to the pressure. I urgently request that these inaccuracies be thoroughly investigated and either corrected or permanently removed from my credit report without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I HAVE THE XXXX XXXX APP AND THEY NOTIFIED ME IN XXXX OF 2025 THAT I HAD XXXX HARD INQUIRIES ON MY CREDIT REPORT WHEN I CHECKED, NEITHER OF THEM WERE ME. BOTH WERE FROM XX/XX/year> I CALLED BOTH CC COMPANIES AND REPORETED THEM AS FRAUD. BOTH COMPANIES TOLD ME THAT THEY HAD FLAGGED THEM AS FRAUD AND IT COULD TAKE XXXX DAYS FOR THESE INQUIRES TO BE REMOVED FROM MY CREDIT REPORT. NOW ITS BEEN 4 MONTHS AND NOTHING HAS HAPPENED. THEY ARE STILL ON MY REPORT. I CONTACTED TRANSUNION AND THEY TOLD ME TO FILE THE FRAUD WITH THE FTC AT IDENTITY THEFT. GOV AND I DID. THEY ALSO TOLD ME TO CONTACT YOU HERE AND FILE A COMPLAINT. 

FTC REPORT FOR FRAUD HAD BEEN FILED FRAUD : HARD INQUIRIES ON MY CREDIT REPORT XXXX XXXX  XX/XX/year> XXXX XX/XX/year> 2025

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 2025-05-14 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-05-14 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: PA

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened or managed them, and their presence on my credit report is entirely unacceptable. This constitutes a serious misrepresentation of my financial history. I take the integrity of my credit profile seriously, and the appearance of these unauthorized accounts is deeply concerning. I demand an immediate investigation into how and why these accounts were reported, and I expect swift clarification regarding who is responsible for this misinformation.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I must emphasize that this complaint is not submitted in error. My credit report contains inaccurate information that fails to meet the legally required standard of maximum possible accuracy. These errors are placing an ongoing and serious burden on menegatively affecting my credit, my financial stability, and my peace of mind. 
I have raised this concern multiple times, yet the inaccuracies remain unresolved. These are incredibly difficult times, and the continued presence of these errors is only adding to the pressure. I urgently request that these inaccuracies be thoroughly investigated and either corrected or permanently removed from my credit report without further delay.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Did a balance transfer to them after 10 days and did not receive their card I called them several times because getting through is not simple. After XXXX minute phone calls I finally had a complaint filed and got a call back from a supervisor who to date has been only XXXX of XXXX Representatives who were helpful. He finally canceled the first card sent out a second card which I still haven't received. So I called them again this time operator so called supervisor XXXX unauthorized and unadvised to me that he locked and flagged my account as fraud. Now when I try to log into the account or call them I can not obtain any information because of his actions and I'm not waiting for a letter from them to verify who I am this is a horrible way to treat a new customer they are subpar at assisting customers and resolving issues

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-05-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
I paid for XXXX  that I never got. Cash app denied my dispute with out investigation. I paid {$31.00} and on XX/XX/year>. I requested and cancelled an XXXX for {$30.00}. I have still yet to get my money back minus the {$5.00} fee. Cash app are the biggest scammers of them all. I wait for the day they go under for their dirty dealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report . 

Please verify or remove immediately the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is closed please remove this from my credit report Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXXXXXX XXXX this account is closed please remove this from my credit report Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXXXXXX XXXX this account is not accurate please remove this from my credit report. 
Please remove this inaccurate information from my credit report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX  on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXXXXXX XXXX They sent me a letter back, and nothing came off my credit, and I never got a copy of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IN

Complaint narrative:
My federal student loans, serviced by Mohela, had been in forbearance under the XXXX emergency relief measures. I was never clearly or directly notified that repayment had resumed. The only communication I received was a phone call on XX/XX/year>, which was the first time I became aware that payments were due again. That same day, I took immediate action and restarted my payments to bring the account current. 

By that point, Mohela had already reported my loans as XXXX  days past due, which caused my XXXX XXXX to drop by nearly XXXX points. This has had a significant negative impact on my financial standing and ability to access credit. I never received advance notice through email, mail, or any other method prior to that phone call. 

I have since sent XXXX emails to Mohela requesting a goodwill adjustment to remove the negative marks from my credit report, explaining that the delinquency was due to their failure to provide adequate notice. Both requests were denied. I am asking the CFPB to review this matter and help facilitate the removal of these negative credit marks due to Mohelas poor communication and lack of proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: UT

Complaint narrative:
Please review this complaint thoroughly, as it is legitimate and submitted with full intent. My credit report appears to contain mixed or inaccurate information, including accounts and transactions that do not belong to me. I have identified multiple instances of this, and the ongoing presence of these errors is deeply concerning. This situation is creating significant distress and must be addressed immediately.

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a checking account and savings account with Truist in XX/XX/XXXX. In XX/XX/XXXX they closed my account with funds in it for a reason they wont disclose. They informed me they dont have an update and wont have one I would have to call for an update. They said my account was under review for fraud and my money would be held for an undetermined amount of time. No explanation no answer. This is an outrage for a single mother relying on money to survive.

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 2025-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: KY

Complaint narrative:
In XXXX, I made a payment to Exeter finance of {$300.00} as principal payment. I also made a {$500.00} principal payment in early XXXX on the same account. 

Per the companys directions, they require a call back the next day to properly credit the account. I complied with both payments requesting that the amounts be applied to principal. 

At the time of both payments, my account was in good standing. 

Both payments were applied to my loan as if I was making a monthly payment and not to principal as requested. I have called the company several times in this remains unresolved. They can not tell me when this will be resolved. 

This has been going on for 60 days and I believe based on the companiess lack of response that this will not be resolved. 

I request your help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. 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 response to consumer: Closed with non-monetary relief