vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The Consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681b - Permissible Purposes of consumer reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting os such entries constitutes an unlawful act rgar compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, cause emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: TN

Complaint narrative:
I have been having issues with some of the things on my credit. I have made a few disputes and have not seen anything resolved. My biggest issue is that the bureaus have several names reporting on my credit that makes it hard for me to get lines of credit or sometimes for my credit to be pulled. This is through no fault of my own. I ask you please delete all names that do not reflect as my ID does. I have also paid a subscription through Experian but they can never retrieve my information to get an Equifax and Transunion report and I ask they please figure this out. 
I have also attached the letters I sent out. There are inquiries I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TN

Complaint narrative:
I have been having issues with some of the things on my credit. I have made a few disputes and have not seen anything resolved. My biggest issue is that the bureaus have several names reporting on my credit that makes it hard for me to get lines of credit or sometimes for my credit to be pulled. This is through no fault of my own. I ask you please delete all names that do not reflect as my ID does. I have also paid a subscription through Experian but they can never retrieve my information to get an Equifax and Transunion report and I ask they please figure this out. 
I have also attached the letters I sent out. There are inquiries I never authorized.

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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
My online banking of Bank of America is blocked without giving any reasons. I tried many times over weeks to get the account unblocked over the phone. But every time I am calling they only allow authentication with my phone number on file. However, they are not accepting the phone number on file any more. The phone number is working and I only have this number. They give me no other option than walking into a branch with my IDs. I can not do this because I am overseas for a few months. 

My parents went to a branch with a power of attorney which was accepted. The guy told my parents the accoun t was unblocked. But it is not. 
Now my parents are overseas and can not authenticated as well. 

I need to have access to my bank account urgently. 

Can you help me?

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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint regarding Citibank 's handling of a balance transfer request that I initiated but which was never accepted by the receiving bank. Despite this, Citibank continues to claim that I owe {$840.00} for a transfer that XXXX XXXX never processed and has no record of. Below is the timeline of events : XX/XX/year> : I initiated the balance transfer request of {$840.00} from XXXX XXXX XXXX XXXX to Citibank. 
XX/XX/year> : The balance transfer fee of {$25.00} was posted to my Citi account. Bringing my total balance to {$860.00} XX/XX/year> : I contacted XXXX XXXX support via text to check the status of the transfer and was told they do not support electronic balance transfers. The {$840.00} remains as a balance on my XXXX XXXX. 
XX/XX/year> : I contacted Citibank to cancel the transfer or request they pay XXXX XXXX via check. I was told the request can not be altered or stopped and that only an investigation could be opened. 
XX/XX/year> : I received an email from Citibank stating my balance transfer was complete and provided the transaction ID number XXXX. 
XX/XX/year> : I contacted XXXX XXXX support to once again check if there was a transaction they could view and/or cancel, but there is still no record of any such transaction. 
XX/XX/year> : I called Citibank and was told there would be another investigation. 

Citibank is claiming to have money that was never given to them and expecting a payment based on this. Their refusal to stop or reverse the transaction exposes me to financial harm and double liability. I am requesting that the balance on my Citibank card is reversed before I am required to pay them on 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 monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Original complaint was filed on XX/XX/year>. I am filing this complaint against you because of an unverified debt on my credit report. XXXXXXXX XXXX XXXX failed to verify the debt in accordance with the Fair Credit reporting Act. response was not on-time. Please see letter requesting verification of debt and CFPB complaint number XXXX I am requesting deletion of this unverified obligation 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 2025-08-20 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: FL

Complaint narrative:
My Original complaint was filed on XX/XX/year>. I am filing this complaint against you because of an unverified debt on my credit report. XXXXXXXX XXXX XXXX failed to verify the debt in accordance with the Fair Credit reporting Act. response was not on-time. Please see letter requesting verification of debt and CFPB complaint number XXXX I am requesting deletion of this unverified obligation from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/year> I received an alert from XXXX XXXX stating that a collection was posted onto my account up checking my credit report I noticed the same name over XXXX  times with small debt amount I called to see what creditors this was because Im in the last stage of closing on my house when the answering machine gathered my information it said they could not find me in the system I never received any phone calls letters or anything from this company which is strange because if I owe I usually get a letter and a call to fulfill debt and if not satisfied will result in a collection but to have small amounts on report is alarming to me especially when they are being placed on my account on the monthly basis

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: World Acceptance Corporation
State: TX

Complaint narrative:
I am submitting a final attempt to correct the inaccurate information on my XXXX  credit report. 
This is my XXXX dispute. On ONLY my XXXX  credit report, it shows the " CURRENT Status '' is 30 DAYS LATE, although this account with World Finance acct XXXX XXXXXXXX was paid off XX/XX/year>. 
Please award me monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a final attempt to correct the inaccurate information on my Transunion credit report. 
This is my XXXX dispute. On ONLY my Transunion credit report, it shows the " CURRENT Status '' is XXXX DAYS LATE, although this account with XXXX XXXXXXXX XXXX XXXX XXXX was paid off XX/XX/year>. 
Please award me monetary damages.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was a victim of a scam/fraud and Capital One wants me to provide information that I can not do. They are now closing my account and won't let me access my rewards cash of {$73.00}. that is my money and they are stealing it from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have encountered difficulties accessing my Experian Credit Bureau account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the 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 2025-08-20 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-20 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: GA

Complaint narrative:
I am requesting the deletion of unauthorized accounts from my credit report. I did not consent to their creation and had no prior knowledge of them. Pursuant to USC 1681g, please remove them within 15 days. Relevant documents have been attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-20 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: MI

Complaint narrative:
Hello, My Mohela account is : XXXX. 

In XX/XX/XXXX, I contacted Mohela to request that payments I made on my subsidized loan be reported to the US Department of Education. Mohela erroneously reported the payments I made between XX/XX/XXXX to XX/XX/XXXX on my subsidized loan as being in forbearance due to a payment plan change. This status was incorrectly applied to this loan by Mohela because of an old payment plan request from sometime during XXXX. This payment plan was NEVER changed by Mohela, but they applied a status to my subsidized loan while I continued to make payments toward this loan. 

I am on the Public Service Loan Forgiveness ( PSLF ) program and the status that Mohela incorrectly applied to my subsidized loan during XX/XX/XXXX to XX/XX/XXXX made those payments I made during those months invalid, and the US Department of Education will not give me credit for those months. On my subsidized loan, I am at XXXX payments. 

My other loan, unsubsidized, was being paid on during the same months as my subsidized loan, but for some reason Mohela never placed this erroneous forbearance on my unsubsidized loan. The unsubsidized loan, is at XXXX payments. Mohela has not forgiven this loan. 

I spoke to a supervisor about this on XX/XX/XXXX, XXXX, who told me she was going to cancel the payment request from XXXX and would resend the XXXX to XXXX payments on my subsidized loan through to the Department of Education again as if the payment plan never existed and have the payments applied towards my PSLF final qualifying payment count on my subsidized loan. This has not happened. 

I want to be credited for the payments I have made. I have been, and continue to be, employed by a qualified government agency. I made my payments in full, on time, and I never requested to be placed on the erroneous forbearance type that Mohela placed me on for my subsidized loan. 

The forbearance placement on my subsidized loan was an error that was caused by Mohelas delay in paperwork processing and I should not be penalized for that. Please apply these 5 months of payments I made on my subsidized loan for the months of XX/XX/XXXX to XX/XX/XXXX. Please also forgive and discharge my unsubsidized loan, the Dept of Education shows the 120 payments have been applied but there is no indication when the loan will be discharged. 

I have made my 120 qualifying payments under PSLF on both my subsidized and unsubsidized loans and I would like proper credit for all qualifying payments I have made.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief