vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: NY

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 2025-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Property went to short sale and offer was submitted meeting HUD guidelines/ net worth etc. company was legal bound to provide an acceptance or denial within 5 days. As of day 30 no decision had been provided. Short sale department personnel repeatedly demanded that escrow / realtor remove fees from short sale contract that are federally required by HUD despite escrow and realtor telling home loan serv department this was not legal. Short sale was negligent and deceptive in practice as well as requesting illegal monetary changes during contract. After the offer met maturity and terminated, buyer walked away due to unprofessional, illegal and deceitful practices of home loan serv, this causing the home to head for foreclosure as home loan serv refused to accepted legal offers within the stipulations required

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 2025-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unverifiable Debt FCRA 611 ( a ) ( 1 ) ( A ) : The furnisher must provide verified, documented proof that this alleged account belongs to me and that the reported balance, dates, and charge-off status are fully substantiated by original records. Unless Capital One can provide original signed agreements, payment ledgers, and charge-off documentation directly verifying this accounts accuracy, this entry must be deleted immediately.

Inaccurate Reporting FCRA 607 ( b ) : TransUnion is required to follow reasonable procedures to assure maximum possible accuracy. The account reflects inconsistent datanamely : The Date Closed ( XX/XX/XXXX ) conflicts with ongoing reporting updates through XX/XX/XXXX, which is inaccurate for a closed charge-off account. 
The balance ( {$2600.00} ) has not changed despite paid monthly terms, which suggests outdated or incomplete reporting.

These inconsistencies violate accuracy standards under 607 ( b ) and render the tradeline materially misleading to potential creditors.

Incomplete Information FCRA 611 ( a ) ( 5 ) ( A ) : The report fails to provide a verified date of first delinquency, which is required to determine the XXXX reporting limit. Without that, this item is incomplete and must be permanently deleted. 
Potential Re-aging Violation FCRA 623 ( a ) ( 5 ) : The accounts removal date XXXX XXXX XXXX suggests improper re-aging beyond the allowable 7 years from the original delinquency ( early XXXX ). Such reporting constitutes a violation of 623 ( a ) ( 5 ) and artificially extends the damage period to my credit profile.

Required Action Under FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ), you must : Conduct a reinvestigation within 30 days of receiving this notice ; Provide a written explanation and documentary evidence of verification from the original creditor ; Delete or correct the item if verification can not be obtained ; and Provide an updated credit report reflecting the correction.

Failure to comply will constitute willful noncompliance under FCRA 616 and negligent noncompliance under 617, both of which are actionable under federal law and subject to damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Through my XXXX XXXX account, I opted to have my refund used to open a Credit Karma Money account. The funds were deposited to my account on XX/XX/year>. Since then, I have not been able to access the funds. The virtual card will not load to my XXXX XXXX. The account number and routing information will not work for direct ACH transfers to pay my bills. The app will not link any other debit card to my account. I have tried the app on different devices. I have deleted the app and reloaded it. I have restarted my devices. I have called their customer service line and messaged through their chat line at least 7 times. They keep saying there's nothing wrong with my account or my app and I just need to wait but can not tell me what I'm waiting for. They suggested I " keep trying every hour or so ''. They blamed me for the problems saying it was my fault it was delayed because I updated my phone number. When I ask them how long their system is supposed to take to " process '' the updated phone number " for my security '' they say they don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: MI

Complaint narrative:
I am writing to dispute and request the removal of unauthorized or unverified hard inquiries that appear on my credit report. These inquiries were made without my written consent or permissible purpose as required under the Fair Credit. Reporting Act ( XXXX U.S.C. XXXX ). The following inquiries appear inaccurate or unauthorized : XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  FIN ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: MI

Complaint narrative:
I am writing to dispute and request the removal of unauthorized or unverified hard inquiries that appear on my credit report. These inquiries were made without my written consent or permissible purpose as required under the Fair Credit. Reporting Act ( XXXX U.S.C. XXXX ). The following inquiries appear inaccurate or unauthorized : XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  FIN ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2024

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 2025-11-06 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: FL

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I am submitting this dispute for items appearing on my Experian credit report. Under the Fair Credit Reporting Act, I am entitled to accurate credit reporting, and I request the immediate correction of the following : Charged Off Account Name : XXXX Account Number : XXXX Date Reported : XX/XX/2023 Balance : {$0.00} Dispute Reason : The charged-off status of this account is incorrect, as no balance remains. This must be removed or corrected to accurately reflect my credit history. 

Late Payment Account Name : XXXX Account Number : XXXX Dispute Reason : The reported late payment is erroneous, as payments were made in a timely manner. I request a correction of this inaccurate reporting. 

Account Name : XXXX Account Number : XXXX Dispute Reason : This account should not reflect any late payments, as I have maintained a consistent payment history. Please review and remove this incorrect information. 

Account Name : XXXX XXXX Account Number : XXXX Dispute Reason : The late payment information is inaccurate. This entry needs to be corrected to reflect my actual payment behavior.

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 2025-11-06 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: WA

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally disputing the accuracy and legality of a recent derogatory reporting from XXXX XXXX, XXXX on my credit report. The account reflects a 90-day late payment notation as of XX/XX/, yet no prior 30-day or 60-day delinquency was ever reported, nor was I notified that repayment had resumed after the federal payment pause or administrative forbearance period. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), a furnisher of information is required to ensure accuracy and maintain reasonable procedures to verify consumer contact before reporting adverse information. XXXX XXXX failed to do so. 
Specifically : I never received written or electronic notice that the account entered repayment status. 
XXXX had my current and correct contact information at all times : Email : XXXX Mailing Address : XXXX XXXX XXXX XXXX  XXXX, SC XXXX Phone : ( XXXX ) XXXX No billing statement or repayment schedule was provided before reporting the alleged delinquency. 
This inaccurate reporting constitutes false and misleading representation of my payment history, causes unwarranted damage to my credit reputation, and violates FCRA 623 ( a ) regarding the duty of furnishers to report accurate information.

Accordingly, I am requesting : 1. Immediate removal of the 90-day late payment notation from my credit file.

2. A reinvestigation with XXXX XXXX, including written proof that I was properly notified of repayment activation.

3. A corrected report reflecting the account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 disputing several accounts and inquiries on my TransUnion credit report that I believe may be inaccurate or outdated. I request a full investigation into these items and ask for their removal if they can not be substantiated. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Goal Structured Solutions, LLC
State: MD

Complaint narrative:
I withdrew from a training program and was granted a full refund through the loan company. In XXXX, I was informed that I would receive my refund by check. According to the companys records, I am owed XXXX separate refund checksone in the amount of {$25.00} and another in the amount of {$120.00}. 

I received XXXX of the refund checks ; however, the second payment has not been issued. Over the past XXXX months, I have contacted several representatives from the company and have received conflicting information each time. I was told at XXXX point that the check would be mailed on XX/XX/XXXX, but during a recent call, I was informed that it had not been sent. Additionally, there have been repeated issues with the company sending checks to incorrect addresses. 

Despite multiple follow-ups, I have not received the remaining refund owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I am submitting this complaint regarding a Security Finance account that appears on my credit report. The details are as follows : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX High Balance : {$340.00} Date Opened : XX/XX/year> Status : Charge Off I have no knowledge of this account and have never opened or authorized any credit account with Security Finance. This account appears to be inaccurate or reported in error. I request that the CFPB investigate this matter and require the furnisher to provide full validation and proof of ownership of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-06 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am filing this complaint because XXXX, XXXX, and XXXX  are reporting an inaccurate and unverifiable account under the name CAINE WEINER XXXXXXXX XXXX XXXX, Date Opened XX/XX/year>, with a High Balance of {$190.00}, listed as a Collection. I have no knowledge of this account and have never opened, authorized, or maintained any financial relationship with Caine Weiner. This account is being falsely reported under my credit file and is completely unverifiable.

This false entry is damaging my credit reputation and violating my consumer rights under the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ( a ) ), which require credit reporting agencies to ensure maximum possible accuracy and promptly delete any unverifiable or inaccurate information. Despite my prior dispute, this account continues to appear on my credit report without any documentation or proof from Caine Weiner or the original creditor verifying its legitimacy.

The continued reporting of this false account has caused unnecessary stress, lowered my credit score, and interfered with my ability to access fair financial opportunities. This reflects a lack of compliance with federal consumer protection laws designed to ensure the accuracy and fairness of credit reporting.

Company response to consumer: Closed with explanation