vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IN

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a serious and unexplained issue with my TransUnion credit report. I monitor my credit daily, and on XX/XX/year>, I discovered that my entire credit history had been deleted from my report. This is extremely alarming. 
Just the day before, my credit score was approximately XXXX. As of today, it has dropped drastically to XXXX  and there is no credit history showing at all. I attempted to initiate a dispute online, but was told I could not proceed, which has added to my concern. 
This situation is deeply disturbing. TransUnion has repeatedly made changes to my report without clear justification, and this most recent event has caused significant emotional and financial stress. I am requesting an immediate investigation into this matter and a full restoration of my accurate credit history. 
I also ask that you provide an explanation of how and why this occurred, as well as documentation of any recent changes made to my credit file. 
Please treat this as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I expect a prompt and thorough resolution. If this issue is not corrected swiftly, I may be forced to escalate the matter through additional channels, including the Consumer Financial Protection Bureau ( CFPB ).

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 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-06-02 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: Continental Finance Company, LLC
State: KY

Complaint narrative:
You pay a bunch of fees to have this credit card and then the card never works. So when u try to call customer service you cant get through I have tried for five days and been on hold for over an hour and still nothing

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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Some one gave me a check for the amount which was deposited and it frooze my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
A few months ago I got a XXXX XXXX  card it got sent to the wrong address so I waited XXXX weeks to find out it was sent to the wrong address I called to have it sent to the right address and I was told they would not send me another card until I mailed a copy of my license I was not asked for a copy of my license when I applied or got approved for the card it was just sent. The man on the phone said it would take XXXX  to get my license through the mail so they could reissue the card and another XXXX weeks to get the card in the mail. I canceled the account for this reason because I was not waiting up to XXXX months for this XXXX  card. Fast forward to a XXXX ago I got another XXXX  card that was an XXXX  card and didn't know it was through the same horrible company as before it was also sent to the wrong address and this was entirely their fault. I entered the correct address multiple times on the application and where I wanted it sent to and they still sent it to the wrong address. I called again to ask where my card was and the lady said the same thing it was sent to the wrong address so she reissued another card to the right address and again did not say anything about needing my license so the card was sent I received it and I went to use it this morning after activation and it was declined I called the company AGAIN and asked why it was declined and the man said it was locked due to suspicious activity. How was there any suspicious activity when the card was sealed in an envelope locked in my mail box and taken out of the mail box as soon as I received it? The card had not been used at all. So now once again I have to send a picture of my license which was not mentioned again, not until after the card was received and I tried to use it. This company has been nothing but horrible the entire time I've had to deal with them I asked them what they planned to do to correct their issues and they said nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-02 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: LA

Complaint narrative:
Consumer Name : XXXX 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 XXXX on XX/XX/XXXX with a balance of {$3700.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to dispute the accuracy of a derogatory account listed on my TransUnion credit report. In light of the known TransUnion data breach, which compromised sensitive consumer information including names, Social Security numbers, and account data, I am concerned that the following account XXXX be the result of identity compromise or reporting error. 
The account in question is : Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$0.00} Despite reflecting a XXXX balance, this account is being reported as XXXX, which XXXX be misleading and unjustified. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I have the right to dispute any information on my credit report that I believe is inaccurate or unverifiable. I am requesting that TransUnion initiate a reinvestigation of this account and verify it directly with the original creditor using original source 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Novo Platform Inc.
State: IL

Complaint narrative:
Without warning, I found out my account is under review and my business funds were frozen when I tried to use my funds for an upcoming event. I opened multiple tickets asking why and was told they cant give me a reason. I asked how long will this take because that money is from a customer for a catering event and still was given no answer. This account has been open for more than a month. Why is it all of a sudden under review when I need my funds? I have proof and receipts for the funds given for the event and they didnt care. I have all proper documentation for my business being legitimate and registered with the state of Illinois. My event is tomorrow and theyre not releasing my funds even though Ive thoroughly requested it. Both myself and my registered business partner are in a bind because of this. The funds were sent to this account via cash app from the consumer and my business partner. I dont understand what more that needs to be verified when they have all documentation. This is a huge inconvenience and it seems they dont care! Im a new small business and this is a detriment to my services!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MD

Complaint narrative:
I am submitting a complaint regarding mismanagement and misinformation I received while participating in the Public Service Loan Forgiveness ( PSLF ) program. I am a federal employee and have worked full-time in qualifying public service for several years.

Throughout that time, I relied on information and guidance provided by MOHELA ( the PSLF servicer ) and Federal Student Aid ( FSA ) customer service. Based on multiple phone calls and official communications, I was repeatedly told that my loans and payment plan qualified for PSLF. I submitted Employment Certification Forms ( ECFs ) as directed and continued to make monthly payments in good faith.

However, I was recently told that I was never eligible for PSLF from the start despite years of payments and consistent qualifying employment. I was never clearly informed of any disqualifying details, and key information was either omitted or presented in uncertain or misleading terms. I was never given a consistent answer about the type of loan I had, whether I needed to consolidate, or what payment plans were accepted. 

This miscommunication has caused serious emotional and financial stress. I continued working in public service and making payments under the belief I was progressing toward loan forgiveness. Now, I feel betrayed by a system that is supposed to support public servants and I am potentially facing many more years of repayment for a program I was told I was on track for. 

I am requesting that the CFPB investigate the inconsistent and unclear communication from MOHELA and/or FSA, and that my eligibility for PSLF be reconsidered given the misleading information and emotional distress this has caused. I have documentation and can provide records of calls, forms submitted, and my employment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NJ

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX  Date : XX/XX/year> & XXXX XXXX  XXXX Date : XX/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
Consumer complaint received 2025-06-02 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: NJ

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX  Date : XX/XX/year> & XXXX XXXX  XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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