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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

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, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing the inaccurate charge-off entries being reported on my TransUnion and XXXXx credit reports for XXXX XXXX XXXXXXXX XXXX Account Number : XXXX * * ) - {$3000.00} * *. This account is being reported as a charge-off despite significant discrepancies in the information being furnished, which raises serious concerns about the accuracy and reliability of the data being reported. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), data furnishers are required to maintain accurate and complete information, including account statuses and balances, to prevent consumers from suffering unnecessary financial harm. However, the continued presence of this inaccurate charge-off entry has resulted in a significant and unjustified negative impact on my credit profile. 

Additionally, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX XXXX 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. 16811 ( 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. 1681 ( 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, further compromising the integrity of the information being reported.

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: CA

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
Account was fraudulently open without my knowledge and use without my authorization

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: Experian Information Solutions Inc.
State: TX

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, Experian, 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 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: CA

Complaint narrative:
This is a follow-up complaint regarding the late payment entries reported by XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX - XXXX, and XXXX XXXX XXXXXXXX on my Experian credit report. Despite my previous disputes, these inaccurate late payments remain, reflecting outdated or unverifiable information that fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Experian 's continued reporting of these late payments, without thorough verification, raises significant concerns about their commitment to accuracy and compliance with federal regulations. These unresolved inaccuracies have a direct and negative impact on my financial stability and creditworthiness, potentially leading to unjust financial harm and reputational damage.

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: 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I got paid early morning at approximately XXXX from my current bank account with XXXX XXXX I XXXX  myself {$2200.00} to Truist Bank to fund the account. In the same morning I paid bills with my wife, bought items from XXXX, then last a bought my son XXXX around lunch time. Soon after I log into my account and it says account is locked. I call Truist and they said they closed my account and there's no details on why and I will receive my funds by check in 30 days after pending charges clear. That was my only money and now I don't have gas to get to work and can potentially lose my job. There was no notification of anything. No fraud alert nothing. They just waited until I funded my account and closed it. There are over XXXX comments on various review sites and XXXX  explaining that they do this all the time to people and make people go the distance to get their money back. I am looking to sue if I lose my job because of this. There's no reason for a sudden account closure. Last purchase was XXXX. My account got closed because I purchased XXXX XXXX XXXX. This bank is frauding and scamming thousands of people and holding people money including mines for whatever reason I don't know.

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: 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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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: AZ

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up complaint to ensure that the ongoing inaccuracies regarding hard inquiries on my Equifax credit report are properly addressed, as my initial disputes remain unresolved and are still being processed by the CFPB. I am disputing the following hard inquiry, XXXX - XX/XX/2024. This inquiry appears on my credit report despite my concerns about its legitimacy and potential inaccuracies. It is critical for Equifax to maintain the highest levels of accuracy when reporting inquiries, as even a single unauthorized or inaccurate entry can significantly impact my creditworthiness, potentially leading to higher interest rates, reduced access to credit, and damaged financial credibility. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 15 U.S.C. 1681i ), Equifax is required to ensure that all reported information, including hard inquiries, is accurate, properly authorized, and clearly verifiable. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have also highlighted Equifax 's failure to conduct proper investigations, including the verification and correction of inaccurate account statuses. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681 ( a ) ( 5 ), Equifax is obligated to thoroughly investigate disputed items within 30 days and promptly correct or remove any inaccurate, incomplete, or unverifiable information. Failure to adhere to these requirements is a direct violation of federal law and a severe breach of my consumer rights.

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

Complaint narrative:
I submitted a buyback request on XX/XX/XXXX to buyback the XXXX months that I would need to reach loan forgiveness in the public service loan forgiveness program. In that request I wrote that I am currently in the SAVE plan and am in forbearance due to the court injunction and am requesting to buyback the months of XX/XX/XXXX - XX/XX/XXXX so that I XXXX reach my XXXX  months of qualifying payments. When I called to follow up on this request on XX/XX/XXXX I was told that this request would be denied because I did not copy and paste the exact verbiage " I have at least XXXX  months of approved qualifying employment, and I am seeking PSLF or TEPSLF discharge through PSLF buyback. Please assess my eligibility for PSLF buyback. '' and because I did not list out the months XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. So on XX/XX/XXXX I submitted another buyback request with this exact verbiage and listed out all the months. When I called to follow up on this request on XX/XX/XXXX I was told there is no timeline being given for the buyback request because they are taking so long to process and it could be months or years. I also submitted a request on XXXX to switch out of the SAVE plan into the IBR plan so that I may begin making qualifying payments towards my loan forgiveness. When I called on XX/XX/XXXX to check the status I was told that my application is still being process and there are no timelines being given for when they will be completed. I was also told that my next loan payment will be due in XXXX and that payment will NOT count towards my public service loan forgiveness because I am technically still in the SAVE plan which is no longer a qualifying re-payment plan. So they are refusing to approve my buyback requests or my requests to change to a qualifying payment plans so that I can may progress towards student loan forgiveness, but they are restarting my payments and telling me that they will not count. I have been in limbo with my student loans for a year now and I only need XXXX more qualifying payment to reach loan forgiveness that I have been working towards for XXXX  years. This is criminal that that they are allowed to do this to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Central Portfolio Control Inc.
State: CT

Complaint narrative:
Text messages received this year : XX/XX/year>, XX/XX/year>, ( requested company to stop, they sent more from this point forward ), XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. 

Variations of, XXXX XXXX, this is Central Portfolio Control Inc . Please contact our office at XXXX or online at www.paycpc.com using your AGENCY ID : XXXX. This communication is from a licensed Bill Collector. Thank you. 

And This is Central Portfolio Control Inc regarding XXXX XXXX XXXX XXXX. This communication is from a licensed XXXX Collector. Text STOP to unsubscribe. To save up to 10.00 % or review payment options, use AGENCY ID : XXXX and review online at XXXX or call XXXX Now if theres a real person actually reading this complaint ( please! ) this is the scariest part. I had never contacted this company or been to XXXX & XXXX XXXX the day I went to that hospital for the first time, the text started becoming about that. Its weird and I dont know HOW my information got out like that. I dont have medical debt or any debt, I just want to be left alone.

Company response to consumer: Closed with explanation