vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681i ( a ) ( 5 ). I disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Equifax reinserted the same fraudulent data, violating the clear mandates of the FCRA. YOU HAVE BEEN SUED FOR THIS BEFORE. This isnt your first time, and unfortunately, I am not your only victim. 
Equifax has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself.

DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter. If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXXXXXX XXXX refuses to correct my report with all three credit bureaus to close the matter they are reporting inaccurate information and I have been denied credit. Transunion continues to ignore my complaint they either correct the report XXXX day and change it back another to torment me. XXXXXXXX XXXX continues to report inaccurate information. XXXX is reporting inaccurate information even after furnishing proof. The account is still under investigation with XXXX Transunion and XXXX continues to close disputes with proper investigation. XXXXXXXX XXXX  reports inaccurate information to credit bureaus and continue to do so. This is not fair credit reporting

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXXXXXX XXXX refuses to correct my report with all XXXX credit bureaus to close the matter they are reporting inaccurate information and I have been denied credit. XXXX continues to ignore my complaint they either correct the report XXXX day and change it back another to torment me. XXXXXXXX XXXX continues to report inaccurate information. Experian is reporting inaccurate information even after furnishing proof. The account is still under investigation with XXXX XXXX and Experian continues to close disputes with proper investigation. XXXXXXXX XXXX reports inaccurate information to credit bureaus and continue to do so. This is not fair credit reporting

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I reported unauthorized transactions on my Citi account. Under Regulation E, I am entitled to provisional credit within XXXX business days while the dispute is investigated. 

Citi closed my old account on XX/XX/XXXX and opened a new account on XX/XX/XXXX. Despite this, I did not receive provisional credit within the required timeframe. 


After my initial dispute was denied, I submitted a rebuttal, and Citi now states that I will receive credit on XX/XX/year> almost XXXX weeks after my original dispute. 

This delay violates Regulation E, as the timeline for provisional credit is based on the date of the original dispute ( XX/XX/XXXX ), not the date of any rebuttal. I request that the CFPB investigate Citis failure to provide timely provisional credit and ensure compliance with federal regulations.

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 2025-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: NJ

Complaint narrative:
I applied for a loan modification with my mortgage company. During this process, the company changed my monthly payment amount and generated legal documents reflecting a new payment without properly notifying me or providing the required written documentation. I did not receive any executed modification agreement, written notice, or paperwork explaining the change prior to the payment adjustment. 



Additionally, the mortgage company reported my account as past due to the credit bureaus based on this uncommunicated payment change. Upon contacting the company to obtain clarification, I was informed verbally by a representative that the payment amount was changed by the underwriter due to an error. However, no written explanation, corrected documents, or formal notice was provided to me at that time or afterward. 



As a result, I was unaware of the modified payment terms and was not given an opportunity to review, accept, or dispute the changes before adverse credit reporting occurred. I am requesting a full investigation, written clarification of the alleged error, copies of all modification documents, and correction of any inaccurate credit reporting related to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
Square inc deactivated/closed my account on XX/XX/year>. They are illegally with holding my funds as article 37 states if they are closing your account they will release funds. I have no complaints or charge backs. After 90 days this company still has not released my funds which were due XX/XX/year>. I have sent a payment demand letter which all their employees ignored. I have sent emails to executives with no response. Their chat representatives close that chat without providing information. It is now XX/XX/year> and my funds are not released. My account shows that the funds are to be released to my bank account everyday however, the funds are never released. This is very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Escalation Experian Continued Reporting of Disputed Foreclosure Experian has completed a reinvestigation but continues to report a foreclosure account from XXXXXXXX XXXX XXXX XXXX XXXX as verified, despite the foreclosure being materially disputed and the subject of ongoing legal and regulatory challenges. 
Experians response does not demonstrate a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ). No evidence has been provided showing that Experian independently verified : Lawful ownership of the note Authority to foreclose Proper application or return of the negotiable instrument Instead, Experian relies solely on furnisher confirmation while continuing to publish disputed foreclosure data, causing ongoing harm. 
Experian also continues reporting the foreclosure through XXXX despite the account being formally disputed, which raises concerns under 15 U.S.C. 1681e ( b ) and 1681c.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is unlawfully withholding access to my cleared funds.

A check deposit was placed on hold for approximately three months. After the check fully cleared, Capital One immediately restricted my account and informed me that my funds were not available for withdrawal, directing me to call a phone number that provides no meaningful assistance or explanation.

The available balance in my checking account exceeds {$41000.00}. These funds are cleared, not provisional, yet I am unable to withdraw or use them. No written notice, legal basis, timeline, or explanation for the restriction has been provided.

Capital Ones actions are causing significant financial harm, including inability to access my own money for living expenses and obligations. Holding funds after clearance without explanation or due process is deceptive and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IA

Complaint narrative:
Complaint Description I am filing a complaint against MOHELA for improper handling of my Income-Driven Repayment ( IDR ) applications and resulting servicer-caused delinquency. 

I submitted an Income-Driven Repayment ( IDR ) application for my MOHELA-serviced federal student loans on XX/XX/XXXX. That application has never been processed and remains marked as In Review. I subsequently submitted additional IDR applications on XX/XX/XXXX and XX/XX/XXXX after MOHELA failed to act on the original request. All applications remain In Review.

Both the DOE and MOHELA explicitly acknowledged receipt of all three applications and stated in writing that processing may take up to XXXX business days. Despite this, MOHELA failed to place my account in administrative forbearance or otherwise protect it during the processing period. Instead, MOHELA allowed my loans to progress further into past-due and delinquent status month after month. 

Any nonpayment during this period is the direct result of MOHELAs failure to process my IDR application ( s ) or place my account into appropriate administrative forbearance. I complied with all borrower requirements by applying timely and repeatedly. The delay is entirely attributable to the servicer. 

This conduct is improper and harmful. While MOHELA claims that payment remains due during processing, federal servicing standards prohibit treating borrowers as delinquent or causing credit harm when nonpayment is the result of servicer processing delays. Allowing delinquency to advance under these circumstances constitutes servicer error. 

Notably, my federal loans serviced by XXXX were processed correctly, and TIMELY, under the same federal rules, demonstrating that this issue is specific to MOHELAs servicing failures and not borrower error or systemic confusion. 

MOHELAs failure to process multiple IDR applications over an extended period while simultaneously allowing delinquency to escalate is unacceptable and has caused unnecessary financial and credit harm.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-15 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:
The information on my credit reports are incorrect. This is hurting me from obtaining credit and providing for myself. These accounts need to be removed and deleted from my credit report. Under laws 15 U.S. Code 1692d- Harassment and abuse, 15 U.S. Code 1692e- False or Misleading representations, 15 U.S. Code 1692f- Unfair Practices, and 15 U.S.C. 1681, these accounts and misinformation should be removed promptly. I was notified that my personal information was compromised due to a data breach by Equifax.

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 2025-12-15 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:
From : XXXX XXXX XXXX XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> Re : FORMAL FCRA DISPUTE VALIDATION DEMAND UNAUTHORIZED INQUIRIES INTENT TO SUE ( {$10000.00} ) APPLICABLE CREDIT LAWS This dispute is governed by FCRA, 15 U.S.C. 1681 et seq., including 1681e ( b ), 1681i, 1681b, 1681n, and 1681o. 

I. ACCOUNTS TO BE UPDATED/ REMOVED Ally Financial Update balance to {$16000.00} XXXX XXXX ( XXXX accounts ) XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Dept . of Education / XXXX ALL loans XXXX. UNAUTHORIZED INQUIRY Equifax Mortgage Services No permissible purpose XXXX. VALIDATION DEMAND Provide contracts, payment history, XXXX, XXXX data, and method of verification. 
Unverifiable items must be deleted. 

XXXX INTENT TO SUE Noncompliance will result in suit seeking up to {$10000.00} under 15 U.S.C. 1681n & 1681o. 

XXXX REQUIRED ACTION Reinvestigation results Validation documents Updated credit report Written deletion confirmations Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Company : Westlake Financial Services Product : Auto loan / Vehicle financing Issue : Problems with vehicle loan or lease / Dealer failed to provide title State : New York ( consumer ) / New Jersey ( dealer ) Vehicle purchase date : XX/XX/year> Dealer : XXXX, XXXX XXXX, New Jersey XXXX : XXXX Under New Jersey law ( XXXX. XXXX ), the dealer is required to submit the title and registration application within 10 days of sale. It has now been over 50 days, and I still do not have a permanent title or registration. 

Despite notifying Westlake Financial and providing written complaints, the issue remains unresolved. The dealer refuses to give a clear explanation and has not confirmed that the title paperwork was ever submitted. 
Despite notifying Westlake Financial and providing written complaints, the issue remains unresolved. The dealer refuses to give a clear explanation and has not confirmed that the title paperwork was ever submitted. 

Because of this failure : I can not legally drive the vehicle My temporary tag is expiring I have paid over 2 months of insurance for a vehicle I can not use I have suffered financial loss of approximately {$5000.00} The finance contract is materially breached due to dealer non-compliance I am requesting Westlake Financial to take immediate action to protect me as a consumer. 
Additional information This situation constitutes an unfair and deceptive practice under the New Jersey Consumer Fraud Act ( XXXX XXXX ) and raises concerns under the Fair Credit Reporting Act ( FCRA ) if any negative credit reporting occurs while the dispute is active.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC.
State: HI

Complaint narrative:
I have filed a claim about this just recently. They denied the fraud based on the fact my information was used on a site called XXXX XXXX. They said since my information ( email, phone number and XXXX XXXX id case closed. This is an XXXX dollar problem. The local branch manger wrote a letter about the fraud, my accts were frozen and debit cards replace. My identity and the last 10 years of my information was got thru hacking my I cloud. I had to buy a new phone and set it up without the cloud because the XXXXXXXX XXXX I store said my cloud was compromised. XXXX XXXX described acct as being taken over and the fact one of the people paid on XXXX XXXX matched one paid 3 years ago is not relevant. I have no employees and use sub contractors to flip my homes. These people work all over the same area and for various companies. The last XXXX that was taken was while I was on a flight from XXXX to XXXX  and the person who took the money tried several times with the bank refusing to authorize them and finally one got thru. This complaint needs to be dealt with properly. I havent a letter with documents to the office in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my Experian credit file. 
These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and the Metro 2 credit reporting standard.

This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code 103 Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily 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