vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
I am disputing alleged late payments reported by XXXX XXXX XXXX to Experian, TransUnion, and Equifax. 

These accounts show impossible late payments after the XXXX  repossession, along with variations in negative months across the XXXX credit bureaus, including repeated charge-off statuses, which inflates the negative history and constitutes inaccurate reporting. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers may not report information they know or should know is inaccurate. The payments in question are marked as late, but XXXX has not complied with the legal requirements for reporting under FCRA ( 15 U.S.C. 1681 et seq. ).

Under 15 U.S.C. 1681, the term consumer report does not include information regarding transactions or experiences between a consumer and the person making the report. Therefore, any transactions or experiences between myself and XXXX XXXX XXXX that are factually impossible or inaccurately represented should not appear on my consumer report. 

I demand a full investigation and the immediate deletion of these inaccurate accounts from all credit reports due to these violations and XXXX  failure to follow lawful procedures.

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 2025-09-17 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: CA

Complaint narrative:
I am disputing alleged late payments reported by XXXX XXXX XXXX to Experian, TransUnion, and Equifax. 

These accounts show impossible late payments after the XXXX  repossession, along with variations in negative months across the XXXX credit bureaus, including repeated charge-off statuses, which inflates the negative history and constitutes inaccurate reporting. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers may not report information they know or should know is inaccurate. The payments in question are marked as late, but XXXX has not complied with the legal requirements for reporting under FCRA ( 15 U.S.C. 1681 et seq. ).

Under 15 U.S.C. 1681, the term consumer report does not include information regarding transactions or experiences between a consumer and the person making the report. Therefore, any transactions or experiences between myself and XXXX XXXX XXXX that are factually impossible or inaccurately represented should not appear on my consumer report. 

I demand a full investigation and the immediate deletion of these inaccurate accounts from all credit reports due to these violations and XXXX  failure to follow lawful procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a formal dispute regarding the fraudulent accounts listed on my credit file. These accounts are false, unauthorized, and entirely inaccurate. Their reporting has caused unwarranted harm and does not reflect my true financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I had an insurance account with XXXX XXXX XXXXXXXX XXXX and once the car was stolen and the claim waa paid they then place a XXXX bill on my credit stating its early termination of policy. I've contacted customer service numerous times. I've spoken to the claims department that paid the claim and still no resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am the victim of identity theft. I am disputing the account that Transworld Systems/COX is reporting in my name.

The documents Transworld Systems/COX provided are not sufficient to prove that I am responsible for this account. Fraudulent accounts often contain personal information that was stolen, so the presence of my name or other identifying information in their records does not prove that I opened or authorized this debt.

Under the Fair Credit Reporting Act ( FCRA 605B, 15 U.S.C. 1681c-2 ), once a consumer provides an FTC Identity Theft Report and supporting documents, a furnisher must block the fraudulent information. Transworld Systems has failed to provide verifiable proof tying me to this accountsuch as an original signed contract, IP address logs, or device/geolocation data. Without this evidence, their records are not legally sufficient. 

Continuing to report this fraudulent account is inaccurate, harmful, and a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I state that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and any reporting errors are both improper and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TN

Complaint narrative:
I sent a debt validation letter XX/XX/year> requesting the following be verified. 

A copy of the original contract or other supporting documents. 
The name and address of the original creditor. 
The amount of the alleged debt, including a breakdown of any interest, fees, or other charges. 
A copy of the original contract or agreement bearing my signature, or other documentation proving that I am legally obligated to pay this debt. 
A complete accounting of the alleged debt, showing how the amount was calculated. 
Proof that your agency is licensed to collect debts in my state, including the license number and the name of the licensing authority. 
The chain of custody for this debt ( i.e., who previously owned it and when it was transferred to you ). 

Their reply was on XX/XX/year> stating ( you did not provide sufficient information for us to investigate the disputed information. ) I sent a second debt validation letter including the last four of my social security number on XX/XX/year>. I received a letter on XX/XX/year> stating the account is scheduled to go to litigation review XXXX XX/XX/year>. The letter is dated XX/XX/XXXX, it didn't arrive until XX/XX/XXXX. As of today XX/XX/XXXX no information Ihave requested has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Experian Information Solutions , Inc. for violating the Fair Credit Reporting Act ( FCRA ) by reporting and failing to remove an unauthorized inquiry from my consumer credit report. Despite disputing this item directly with Experian, they have refused to conduct a proper and reasonable reinvestigation as required by law. 

The following unauthorized inquiry remains on my file : XXXX  XXXX XXXX XX/XX/year> ( Inquiry ) This inquiry is inaccurate, unauthorized, and unverifiable. I never granted permission for this creditor to access my consumer report, nor does it have a permissible purpose under 15 U.S.C. 1681b. By continuing to report this unauthorized inquiry, Experian is in direct violation of : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of consumer report information.

15 U.S.C. 1681n & 1681o Liability for willful and negligent noncompliance with the FCRA.

This is not my first attempt to resolve the matter. I have already submitted disputes directly to Experian, yet they continue to retain this unverifiable inquiry on my file. Their repeated refusal to correct this issue is a clear act of negligence and willful noncompliance with federal consumer protection law. 

I am requesting the Consumer Financial Protection Bureau to intervene and require Experian to : Permanently delete the above-listed unauthorized inquiry. 

Provide me with a written explanation of the reinvestigation process and why this inquiry was not removed after my disputes. 

Enforce full compliance with the FCRA to prevent further violations and harm. 

Experians actions have caused me significant damage, including loss of credit opportunities, emotional distress, and financial harm. I request immediate regulatory enforcement to hold Experian accountable for these violations.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am submitting this complaint regarding the reporting of my federal student loans serviced by Nelnet. 

I was informed that my loans were marked as in default in XXXX, which is incorrect. My loans were under a pandemic-related payment pause until XX/XX/XXXX. During this time, I was approved for the Student Loan Debt Forgiveness Plan in XX/XX/XXXX, but the program was placed on hold due to legal challenges. 

My loans are currently enrolled in the XXXX XXXX XXXX, which should remove the default status from my credit report. I am awaiting the ability to consolidate my loans and begin repayment. 

The inaccurate default status has prevented me from purchasing a home and does not reflect my actual loan history. I request that my credit report be updated to remove the XXXX default and reflect that my loans were paused and are now in good standing under the XXXX XXXX initiative. 

Suggested Resolution A fair resolution would be to remove the XXXX default status from my credit report and update the account to reflect its current standing under the XXXX XXXX XXXX. 

This correction will ensure my credit report accurately reflects my loan history and allow me to move forward with securing a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing fraudulent accounts that appear on my credit report. I did not authorize or create these accounts, and their inclusion is false, misleading, and harmful. Their continued presence undermines the accuracy and integrity of my credit file.

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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been a Bank of America customer for 23 years. My checking account was abruptly closed with no prior notice, no written explanation, and no cause given. I had no overdrafts, no suspicious activity, and have never engaged in any behavior that violates account terms. 

The only activity that may have triggered this was that I had legitimate credit card disputes open with BofA which Im fully entitled to under the Fair Credit Billing Act. When I called to ask why my account was closed, the representative simply said I had violated terms and conditions but told me to XXXX search for anything further. 

I received no email, letter, call, or app notification. I was told my balance would be mailed back by check, but no confirmation or tracking has been provided. I have now been completely locked out of my money with no recourse. 

This appears retaliatory and unethical, especially for a customer who has been with the bank for over two decades. It may violate protections under Regulation E, FCRA, and potentially U.S. banking retaliation protections.

I am requesting a formal investigation, documentation of the closure reason, and immediate access to my funds.

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 2025-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
MOHELA is the servicer of my federal student loans. They are currently showing me as months and months past due on my loan. I have been trying to log into their servicing platform to make a payment and setup my plan since the moratorium ended. Every time I try to log into their system or even to reset my password, it tells me my information ( my social and date of birth ) do not match their systems information. I have tried repeatedly to call them and am unable to get a live person on the phone. This is destroying my credit and should be illegal. I am perfectly fine with paying my debt and they are making it impossible. This seems to be a widespread issue with them. I need all of these negative marks removed from my credit and some response from them to get my account current, so I can then refinance literally anywhere else. This is downright criminal.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a collection notice from XXXX regarding an alleged debt of {$2300.00} tied to XXXX ( XXXX ). I formally disputed this debt in writing, citing that XXXX filed for XXXX XXXX XXXX on XX/XX/XXXX ( XXXX XXXX. XXXX, XXXX. XXXX. ), and that the case was converted to XXXX  XXXX XXXX  on XX/XX/XXXX. 

In my dispute, I requested validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), including : Proof of legal right to collect, Documentation showing the debt was not discharged in XXXX, A complete payment history. 

XXXX responded only by sending a copy of the original XXXX financing agreement and later offered a settlement for {$1700.00}. However, they did not provide proof that : They are legally authorized to collect this debt, The debt was not discharged during XXXX XXXX, The balance is accurate and enforceable. 

Despite my dispute, XXXX continues collection activity without proper validation, which I believe violates the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I made a reservation through XXXX on this card. I later then remembered I used this card, had previously called and closed the account paying the balance off XX/XX/XXXX for XXXX. I then a few days later XX/XX/XXXX, cancelled the XXXX  and they refunded the money for the reservation back to the card I had closed. I began trying to contact the credit card company and XXXX rep did say they saw the refund as " pending '' but I would have to call back in XXXX business days and try and request a refund. I said I have to call back? You wont just issue a refund based on the account being closed and an overpayment occurring. The rep said no call back in about XXXX weeks. I did and it took actually calling periodically for XXXX weeks to actually get a human on the phone at which time they told me that a check request would be issued for the balance of XXXX I asked why is not for the XXXX that was refunded and I guess there is some charge. OK, so I waited the XXXX weeks they told me it would take to get the check, never happened. So I called back the XXXX of XXXX and was told that an ACH could be done, so I gave my account number and routing number ( which now I am thinking why did I do that?! ) Anyway was told to wait XXXX days for it to deposit and there has been absolutely no refund. I have tried to call this company at least XXXX  times to wait on hold and get disconnected. The company is 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 monetary relief