vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I reviewed my credit reports from the three major credit bureaus ( XXXX, Experian, and Equifax ) and found multiple accounts that are inaccurately reported, outdated, or unverifiable. These accounts are negatively impacting my credit profile and do not reflect the accurate status of my credit history. 

Despite attempting to resolve these discrepancies directly with the credit bureaus, I have not received proper validation, verification, or correction of the disputed items. 

The following issues were found : Multiple charge-off accounts are listed without proper validation or supporting documentation. 

Several accounts appear to be duplicate listings across different bureaus with inconsistent statuses. 

Some accounts still reflect delinquent or late payments even though they were paid off, settled, or are currently in good standing. 

A few accounts were never authorized or do not match my known credit activity. 

One or more accounts were marked as dispute resolved consumer disagrees without providing the requested documentation.

I have submitted disputes under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), but have yet to receive an appropriate resolution or deletion of unverifiable accounts.

This situation is preventing me from qualifying for necessary financial services, including housing and auto financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I reviewed my credit reports from the three major credit bureaus ( XXXX, Experian, and Equifax ) and found multiple accounts that are inaccurately reported, outdated, or unverifiable. These accounts are negatively impacting my credit profile and do not reflect the accurate status of my credit history. 

Despite attempting to resolve these discrepancies directly with the credit bureaus, I have not received proper validation, verification, or correction of the disputed items. 

The following issues were found : Multiple charge-off accounts are listed without proper validation or supporting documentation. 

Several accounts appear to be duplicate listings across different bureaus with inconsistent statuses. 

Some accounts still reflect delinquent or late payments even though they were paid off, settled, or are currently in good standing. 

A few accounts were never authorized or do not match my known credit activity. 

One or more accounts were marked as dispute resolved consumer disagrees without providing the requested documentation.

I have submitted disputes under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), but have yet to receive an appropriate resolution or deletion of unverifiable accounts.

This situation is preventing me from qualifying for necessary financial services, including housing and auto financing.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Have to continually submitting disputes against Equifax they have still yet to remove the credit trade line from XXXX XXXX XXXX it's as though they've sold my account to a third party fourth party yet I've sent them the information regarding this account and they still refuse to remove it XXXX XXXX XXXX XXXX removed yet Equifax still does not want to remove it

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Have to continually submitting disputes against Equifax they have still yet to remove the credit trade line from XXXX XXXX XXXX it's as though they've sold my account to a third party fourth party yet I've sent them the information regarding this account and they still refuse to remove it XXXX XXXX XXXX XXXX removed yet Equifax still does not want to remove it

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, 15 U.S.C. 1681s-2 : * Accurate and Complete Information : Furnishers are obligated to provide accurate and complete information to consumer reporting agencies. 
15 USC 1681e ( b ) Whenever a credit reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy * Dispute Resolution : When a consumer disputes the accuracy of information provided by a furnisher, the furnisher must investigate the dispute and report any necessary corrections to the consumer reporting agency. 

Illegal to report monthly payment history on closed/paid/ transferred account. This is a violation of the FCRA. Due to the inaccuracies listed below I demand the deletion of this account immediately or I am prepared to file suit against your company.

Inaccuracies : Account closed and paid off XX/XX/XXXXXXXX  Has remark code -180 days past due this is inaccurate Current payment status 120 days late. This is inaccurate Worst payment status 120 days late this is inaccurate Has unknown payment history reporting for one credit bureau from XXXX with last reported date XX/XX/XXXXXXXX  this is inaccurate as the account has been closed The XXXX  Student loan account has been deleted from my XXXX  credit report due to inaccurate reporting and I am demanding it be deleted from TransUnion and Equifax according to 15 USC 1681s-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
To whom it may concern, 15 U.S.C. 1681s-2 : * Accurate and Complete Information : Furnishers are obligated to provide accurate and complete information to consumer reporting agencies. 
15 USC 1681e ( b ) Whenever a credit reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy * Dispute Resolution : When a consumer disputes the accuracy of information provided by a furnisher, the furnisher must investigate the dispute and report any necessary corrections to the consumer reporting agency. 

Illegal to report monthly payment history on closed/paid/ transferred account. This is a violation of the FCRA. Due to the inaccuracies listed below I demand the deletion of this account immediately or I am prepared to file suit against your company. 

Inaccuracies : Account closed and paid off XX/XX/XXXX Has remark code XXXX days past due this is inaccurate Current payment status 120 days late. This is inaccurate Worst payment status 120 days late this is inaccurate Has unknown payment history reporting for one credit bureau from XXXX with last reported date XX/XX/XXXX this is inaccurate as the account has been closed The NAVIENT Student loan account has been deleted from my XXXX  credit report due to inaccurate reporting and I am demanding it be deleted from XXXX XXXX XXXX  according to 15 USC 1681s-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: DC

Complaint narrative:
I am writing to formally request full disclosure of all documents and accounting records related to account number XXXX, as I am the heir-beneficiary and have a vested interest in this matter. Please provide the following : 1.Complete balance sheets ( including Forms 2046, 2049, 2099 ) and any related OMB-numbered documents .

2.Transaction records detailing the application of my promissory note or equivalent financial instrument.

3.Closing and settlement statements showing the extinguishment of any associated debts.

4.Full accounting or ledger for receivables and payables tied to my account.

5.Copies of any trust or escrow activity involving my contributions.

6.Details of any bonds or securities created using my assets.

7.Copies of IRS forms ( Form 1099 ) and any other tax-related documents. 

I request these documents under the Privacy Act, FOIA, and principles of Trust Law, and I expect full disclosure as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XXXX 2023 Bank of America reported 60 days of delinquency against my BOA credit card. This delinquency stemmed from an assessed annual fee that was not supposed to be charged for 2 reasons. 1, I am XXXX XXXX military and when I signed up for the account this was agreed upon to not charge the account this and secondly, I was waiting on my account to close after paying my balance in full in XX/XX/year>. While waiting for the final payment to process, BOA charged me an annual fee and subsequent late charges, likely to squeeze the last few fraudulent dollars from my account. This is malpractice from a large bank and a predatory action. My account balance was XXXX and I was not allowed to close my account until the payment was " processed ''. 

Once the annual fee was assessed, I was not made aware that it was charged and not communications were sent either digitally or physically. When I disputed the charge to my credit bureau, Bank of America refused to remove the hits to my credit. Please help me with this predatory bank. 

I also had XXXX + points on this account that was never offered to be redeemed.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I am writing to formally state that I have been a victim of identity theft. Unauthorized individuals have used my personal information without my consent, and as a result, fraudulent activity has occurred under my name. I am actively working with the appropriate authorities and financial institutions to resolve the matter and protect my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to bring attention to a concerning matter regarding my credit file. I've observed a collection entry from your agency that I was never previously informed about, and I have serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of this debt, and I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX while damaging my creditworthiness and financial standing. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft. The continued presence of these disputed items violates my rights under the Fair Credit Reporting Act and demonstrates a failure to properly investigate and verify the accuracy of the information being reported.

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 2025-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
My vehicle was repossessed by TitleMax of XXXX, WI on or around XX/XX/XXXX, without a legally required Right to Cure notice for this default, in direct violation of Wisconsin Statutes XXXX and XXXX. 

I began my loan on XX/XX/XXXX. I experienced a prior default in late XXXX, and TitleMax claims they sent XXXX to Cure notices in XXXX and XX/XX/XXXX. I was never provided written proof of the XXXX notice, and I was denied documentation every time I asked for account or notice records. 

My vehicle was repossessed on XX/XX/XXXX, and I paid and reinstated the loan. The account was brought back into good standing. The current situation stems from a new default in XX/XX/XXXX. Despite this, TitleMax did not send me a new Right to Cure notice before repossessing my vehicle again on XX/XX/XXXX. 

I confirmed via both physical mail and XXXX XXXX XXXX that no such notice was ever sent or received. XXXX at the TitleMax store stated that they did not send a notice this time because " they already senttwo within 12 months, '' and she incorrectly claimed that only XXXX are legally required per year. This is not supported by Wisconsin law, which clearly states a new written notice is required for each new default, regardless of how many have occurred within the year. 

I have repeatedly requested copies of the alleged notices and documentation about my account, and I was refused each time. I was also told I had only until XX/XX/XXXX to reinstate, which is fewer than 15 days and violates the statute. 

Furthermore, I found the repossession circumstances highly suspicious. Our XXXXXXXX XXXX XXXX went offline at XXXX XXXX for the first time ever, during the window when the vehicle was taken. XXXX in customer service later told me the repo was logged at XXXXXXXX XXXX  and the camera came back online shortly after, confirming the car was gone. While I am not accusing anyone directly, I believe this should be noted as part of the irregular conduct. 

This repossession has caused significant hardship, as I rely on my vehicle for transportation, medical care, and family responsibilities. TitleMax has provided no good-faith effort to resolve the situation, and instead appears to have violated both consumer protection laws and basic decency. 

I am not able to attached the screen shot document of my screen shots from XXXX informed delivery. If those are needed, I am happy to send those upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00}

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CT

Complaint narrative:
I am a federal student loan borrower whose forgiveness was approved under XXXX in XX/XX/XXXX. I was told that refund credits from XXXX of my loans ( Loans XXXX and XXXX, totaling {$4400.00} ) would be applied to my remaining balances. On XX/XX/XXXX, after speaking with a representative from MOHELAs Customer Resolution Department, I submitted a payment of $ XXXX amount they confirmed would fully pay off my remaining balance once the refund was applied. I requested confirmation that this payment, along with the refund, would close my account and reflect a {$0.00} balance or small credit, and that interest would no longer accrue. As of today, XX/XX/XXXX, no action has been taken. My balance is incorrectly showing {$4400.00} and continues to increase due to accumulating interest. My account also now shows a due date of XX/XX/XXXX, which previously showed no payment due until XXXX. My secure message to MOHELA on XX/XX/XXXX remains unread. I filed a complaint with the XXXX Ombudsman on XX/XX/XXXX and have received no response. I also filed a XXXX  complaint on XX/XX/XXXX. I am requesting that my account be corrected, the refund and payment be properly applied, interest be reversed, and that I receive written confirmation that my account is satisfied and closed.

Company response to consumer: Untimely response