vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
I received a letter from Mohela dated XX/XX/XXXX stating part of my student loan ( {$50000.00}, attached ) was being discharged after fulfilling my XXXX XXXX XXXX XXXX agreement. I had a second portion ( {$24000.00} ) that was forgiven under the same XXXX agreement and stated as discharged and a {$0.00} balance in a letter dated XX/XX/XXXX ( also attached ). I also have a printout from XX/XX/XXXX showing that the latter amount of {$24000.00} was being discharged. This last amount is still showing as balance on my credit report for all 3 credit reporting agencies with an increased balance. I have reached out to Mohela on multiple occasions to try to settle this entry on my credit report. Their first response was that it would take up to 90 days for it to update but it has now been 16 months. I sent another message in XX/XX/XXXX with no response. I have tried disputing it 3x on my credit reports with no acceptable outcome to reflect an updated XXXX balance with account closed. The current entry on my credit report last update on XX/XX/XXXX shows a balance of {$25000.00} which is approximately {$700.00} more than what the discharge amount stated in previous letters.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to formally request validation of the alleged debt you claim I owe in the amount of {$850.00}. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which grants me the right to obtain verification of any debt you claim I owe. 

Please provide the following documentation to verify the validity of this debt : 1. The name and address of the original creditor ; 2. The amount of the debt, including an itemized breakdown of any interest, fees, or charges added ; 3. Proof that Jefferson Capital Systems is legally authorized to collect on this account ; 4. A copy of any contract or agreement bearing my signature that shows I am responsible for this debt ; and 5. Documentation showing the chain of ownership or assignment from the original creditor to your agency.

Until these items are provided, please cease all collection activities, including reporting or verifying this account with any credit bureaus. Continuing to report this debt without proper validation constitutes a violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: IN

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/year> ( between XX/XX/XXXX and XXXX ), I visited a Citi Bank branch to deposit a valid {$5000.00} check for a videography service I provided. Shortly after, I lost access to my account. When I returned to the branch for assistance, I was directed to contact the support line. Upon calling, I was informed that my account had been closed due to suspected fraud, an incorrect assumption, as the check was entirely legitimate. I was told that any remaining funds would be mailed to me within 30-60 days. When I eventually received a check in the mail, the {$5000.00} deposit was missing. I initially assumed the check had been voided and that no funds were withdrawn from my clients account. However, I later learned that Citi Bank did process the check and has been holding the funds without notifying 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 monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Betterment LLC
State: NC

Complaint narrative:
I am the executor to an estate and have been trying to withdraw funds from XXXX financial on behalf of the estate for months. I provided the required documentation and they would not schedule the transfer until I told them I would bring attorneys into the process. I scheduled the transaction and was told XXXX business days for the withdrawal to post. It has not posted and its been weeks. Ive emailed support multiple times and received no response. I called and have waited on hold for XXXX minutes and close to XXXX minutes and no one picks up the phone. I know I gave them the correct account for the transfer because the dummy deposits- small transactions are showing on my account ; however the larger transaction of over {$130000.00} has not been transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed Account XXXX XXXX Account # XXXX, Reported XX/XX/year>, Balance {$0.00} This account is being reported as charged off even though the balance shows {$0.00}. This is inconsistent and misleading. If the account is settled or paid, it should not still be listed as charged off. I am requesting that Equifax verify this account with complete supporting documentation or remove the inaccurate reporting entirely. 

Disputed Inquiries None listed for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed Accounts XXXX XXXX  Account # XXXX, Reported XX/XX/XXXX, Balance {$0.00} This account shows a {$0.00} balance but is still marked as charged off. This appears inaccurate or outdated. I request verification or deletion if it can not be confirmed as accurate. 

XXXX XXXX XXXX Account # XXXX, Reported XX/XX/XXXX, Balance {$280.00} I do not recall authorizing or opening an account with this company. I am requesting full verification of this account, including proof of my signature or agreement. If it can not be verified, please remove it. 

Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Summary : I do not recall authorizing all of the above inquiries, and I believe some may have been pulled without my consent. I request that TransUnion verify each inquiry and provide proof that I granted authorization for them. Any inquiry that can not be verified as authorized should be removed 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
Consumer complaint received 2025-11-04 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: PA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 explanation
Consumer complaint received 2025-11-04 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
I am disputing an inaccurate and unverifiable collection account being reported by ALDOUS ( Acct # XXXX, {$240.00} ). I have been disputing this account for months, and neither ALDOUS nor any credit bureau has produced a single piece of documentation, contract, or proof of ownership. This account continues to report as derogatory and is actively damaging my credit profile. 
I specifically requested the original signed agreement, payment ledger, proof of assignment or sale, billing statements, and validation under FDCPA 809 ( a ). I also requested the method of verification the furnisher used in response to my dispute. Nothing has been provided.

This is a clear violation of : FCRA 1681i failure to conduct a lawful reinvestigation FCRA 1681s-2 ( b ) failure to verify after notice of dispute FCRA 1681e ( b ) failure to maintain maximum possible accuracy FDCPA 807 & 809 ( a ) false reporting and failure to validate Metro 2 Standards continued reporting of unverifiable and incomplete data You have willfully and negligently violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. If this account is not deleted from all credit bureaus within 15 days, I will be filing a civil lawsuit for damages, attorney fees, and every remedy allowed under 15 U.S.C. 1681n, 1681o, and 1692k.

Youve had more than enough time to validate this debt. Delete this account immediately or be prepared to defend your violations in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
I am disputing the following items on my credit reports, as they are inaccurate, incomplete, or incorrectly reported. I have provided detailed information below, separated by bureau. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$420.00} XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-04 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: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding the inaccurate and unauthorized reporting of a charge-off account that appears on my credit report. The details of the disputed account are as follows : Creditor Name : XXXX Partial Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Reported Balance : {$0.00} Status : Charge-Off I have no knowledge of ever opening or authorizing any account with XXXX matching this information. This entry is entirely unfamiliar and unauthorized, and I strongly believe it may be the result of erroneous reporting or identity-related inaccuracy. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and demand the correction or deletion of inaccurate information from my credit report. CBNAs continued reporting of this charge-off account is misleading, damaging to my credit reputation, and in direct violation of FCRA 602A and 623, which require furnishers to report only accurate and verifiable information.

I have already attempted to resolve this matter directly with the credit bureaus and the furnisher, but the issue remains unresolved. Therefore, I am requesting the CFPB to investigate this matter thoroughly and compel XXXX to provide documented proof of authorization and validity of this alleged account, or else permanently delete the account from all credit reporting agencies.

This inaccurate account is adversely impacting my creditworthiness and causing unnecessary emotional and financial distress. I respectfully urge the Bureau to take immediate corrective action to ensure that my consumer rights under federal law are protected. 

Thank you for your time and attention to this matter. Please confirm receipt of my complaint and provide updates regarding the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 disputing the following items on my Equifax credit report. The listed accounts have been inaccurately reported as charged off, or contain errors that are misleading or incomplete. Please review and correct these items. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$25000.00} XXXX, XXXX, XX/XX/XXXX, {$100.00} XXXX, XXXX, XX/XX/XXXX, {$1300.00} XXXX XXXX XXXX, XX/XX/XXXX, {$17000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Positive Accounts : None listed for Experian. 

Late Payments : XXXX, XXXX

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 2025-11-04 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: FL

Complaint narrative:
I am requesting an investigation into the charged-off accounts and late payment information reported on my TransUnion credit report. These entries may be incorrect or outdated, and I would like them to be reviewed for accuracy. 

CHARGED OFF XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$6900.00} XXXX - XXXX, XX/XX/XXXX, {$7700.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$2300.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$620.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$740.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$2600.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$640.00} LATE PAYMENT XXXX XXXX - XXXX

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 2025-11-04 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: OH

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 explanation
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my Equifax AND Experian 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
Between XXXX and XX/XX/year>, I submitted multiple disputes to the three national credit reporting agencies Experian, Equifax, and TransUnion regarding inaccurate and unverifiable information appearing on my credit reports. Each dispute included detailed account listings and supporting documentation. I received a response from TransUnion indicating that several accounts were verified, yet no documentation or explanation of the verification process was provided. I subsequently sent Method of Verification requests under FCRA 611 ( a ) ( 7 ) to all three bureaus, followed by Failure to Respond/ Demand for Deletion letters when they did not provide proof of verification within the required 15-day period. To date, the bureaus have failed to produce evidence or remove the disputed accounts, which continue to appear on my reports. These actions have resulted in ongoing harm to my credit, including difficulty securing fair loan terms and housing opportunities, despite my good-faith efforts to resolve the matter.

Company response to consumer: Closed with non-monetary relief