vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: WA

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA. 

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW. 

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

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 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HGREG.com
State: FL

Complaint narrative:
I previously filed a CFPB complaint regarding add-on products sold by XXXX XXXX. In response, the dealership claimed that these products could not be removed and that I was fully aware of the purchase. 

This response is misleading. At the time of sale, I specifically asked if these products could be removed and was told they could not and that I needed them, with statements such as have you seen how Florida drivers are? used to pressure the sale. 

These products included an extended warranty and other protection plans, which are optional service contracts and legally cancellable. The dealership also ignored my cancellation requests sent by email. 

Since the original complaint, I received a XXXX refund of approximately {$1100.00}, which proves that cancellations and refunds are possible despite the dealerships claim that products can not be removed. However, no refunds have been issued for the remaining add-on products, and no cancellation confirmation has been provided. 

I am requesting CFPB assistance because the dealership misrepresented optional products as required, refused cancellation, and failed to refund the remaining add-ons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NC

Complaint narrative:
I am filing a complaint against MOHELA for furnishing inaccurate information about my federal student loans to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ). 

MOHELA is reporting false payment activity on two of my student loans ( opened XX/XX/XXXX and XX/XX/XXXX ). My credit reports show a most recent payment in XX/XX/XXXX, even though I have not made any payments since XXXX. 

I was enrolled as a student from XXXX, and my loans were in in-school deferment. It is impossible for my loans to reflect payments during this period.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On Sunday, XX/XX/XXXX of XXXX, I noticed XXXX charges to my PayPal digital wallet account, which I never used before ( transfer money kindly of like XXXX XXXX, then I got more charges along with one for {$4400.00}. I called PayPal customer service to notify them of fraudulent charges, they told me that a hold will be placed on my account. On Monday, XX/XX/XXXX of XXXX, my personal checking account was charged for the fraudulent transactions, I could not call the bank on Sunday, since their customer service is not open on Sundays. I saw my personal checking account - {$7200.00}, I called the bank and told them what happened. As I spoke to someone on the line, I kept getting emails from PayPal stating that transactions were still happening, even though they told me my account was placed on a hold. I informed the customer service representative from the bank and saw that the fraudulent charges had different ID statements, indicating fraud. They told me that they would take care of it and advised me to close the account after getting my money back, once the money is returned, to open new ones. So I went to the bank and did so, I too told them about what happened and closed the account since PayPal was not helping. I have called PayPal multiple times, spoke to many people and to no avail have they been any help. I asked about my case dispute and told me it could take up to 30 days to get a response. I get an email on Saturday, XX/XX/XXXX of XXXX  telling me that the charges are not fraudulent. PayPal has been no help, they've made it so difficult to get a proper response on what is going on..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-27 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing an improper debt collection related to medical XXXX services. 

On XX/XX/year>, I received XXXX XXXX  ordered by an in-network XXXX and performed by an in-network XXXX XXXX XXXXXXXX XXXX ). My insurer, XXXX, denied coverage after the fact, stating the test was considered experimental. 

I was never informed that the test was experimental, not covered, or that I would be financially responsible. I did not sign any advance beneficiary notice, waiver, or financial responsibility agreement. 

Despite the lack of informed consent and the account being under active insurance dispute, XXXX XXXX referred the account to Credit Collection Services ( XXXX account numbers XXXX and XXXX ). I have formally disputed the debt and requested validation. 

I am requesting CFPB assistance to ensure : Collection activity ceases while the debt is disputed No credit reporting occurs on an unvalidated medical debt The collector provides proof of a valid consumer obligation, including any signed waiver

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I took a loan had already paid parial from an account that was previously closed due.to it was a joint account with my soon to be XXXX wife is tried to add my new account was told some XXXX information they kept hounding me when I was at work this repeats XXXX or 7 times a day I have told them repeatedly to stop calling so much as I work now XXXX to XXXX hours a day I got my account fixed and told them I could pay back once I start breaking even and getting other things paid down like bills and finding a residence to go since I currently have to live in a motel due to just getting out of prison and getting a divorce they held off for 2 days then the process started again XXXX or 7 times a day back.to Back calls every hour my call log and voicemal is filled with voicmails in XXXX day from these people its ridiculous I dont know how to make them stop also the fact they claim.i owe the full amount when ive already paid over XXXX back to them and XXXX fact the loan wss for XXXX of which I only seen XXXX of it and I owe them more then what I had got

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Complaint to CFPB regarding Capital One I am filing this complaint against Capital One regarding unauthorized electronic funds transfers and inconsistent dispute handling. 

Two separate disputes were opened regarding transfers to similarly named companies : 1. Dispute # XXXX payment via link to XXXX XXXX approved by Capital One. 
2. Dispute # XXXX payment via XXXX to XXXX XXXX denied by Capital One. 

Facts common to both disputes : The transfers were made without my consent ; I had no contractual relationship with the actual recipients. 
The transfers were misrepresented : I was provided payment details for a company whose name matched the company with which I had a contract. 
The first dispute was recognized as unauthorized and approved, but the second dispute was denied solely because the payment was made via XXXX, with Capital One claiming that XXXX does not assume responsibility for authorization. 

Legal basis : The key issue making the transfers unauthorized is misrepresentation via similarly named companies, which renders the transfers unauthorized under Regulation E ( 12 CFR Part 1005 ).

Capital Ones denial of the second dispute, despite identical evidence and circumstances, constitutes double standards and a violation of federal consumer protection law. 

I request that CFPB : 1. Investigate Capital Ones inconsistent application of Regulation E ; 2. Require Capital One to reopen and fairly adjudicate Dispute # XXXX ; 3. Ensure that the unauthorized funds are returned to my account. 

Attachments : Correspondence with the XXXX  company ; Signed contract with XXXX XXXX ; Screenshots and payment instructions ; Bank statements ; Registration documents for XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: IN

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-12-27 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing this complaint because XXXX is refusing to open or properly review a dispute for merchandise that was never delivered. 

I made a purchase from XXXX using XXXX. The package was never delivered, and XXXX officially confirmed in writing that they were unable to locate the package and that it is considered lost. 

Despite providing this proof, XXXX closed my case and refused to issue a refund or offer any resolution. 

When I attempted to open a dispute with XXXX, the app automatically rejected my request and did not allow me to explain the situation or upload documentation. XXXX also sent an automated response stating they are not responsible, without conducting a formal review. 
As a result, I am being required to pay for merchandise I never received, even with official proof from the courier confirming the loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am disputing an alleged rental balance from XXXX XXXX  that was improperly sent to a collection agency. XXXX and the collector provided an incomplete lease packet ( 10 pages out of 54 ) and omitted the key addendum page that contains my legal election of XXXX  XXXX NO liquidated damages. 
Because I selected XXXX XXXX, XXXX is prohibited from charging any preset liquidated damages or early termination fee. Despite this, the collector added Residential Liquidated Damages : {$3600.00} and attempted to collect a total balance of {$4200.00}. 
I requested complete lease documentation, all addenda, and validation of the alleged debt. The company did not provide the requested information, and instead supplied misleading and incomplete documents.

This constitutes : a false representation of the amount and legal status of the debt under FDCPA 807 an attempt to collect a fee not authorized by the contract or Florida law under FCCPA 559.72 ( 9 ) a failure to properly validate the debt under FDCPA 809 ( b ) I also experienced serious safety and habitability issues at the property, including multiple men standing outside my door late at night, persistent noise disturbances, ignored mental health accommodation letters from my therapist, and no response from XXXX XXXX. I provided written move-out notice with documentation yet XXXX still sent the account to collections. 
Additionally, the collector improperly referenced my guarantor despite the debt being disputed and unvalidated.

Attachments I will upload : The incomplete 10-page lease packet provided by the collector My signed lease addendum showing XXXX  XXXX ( no liquidated damages ) The statement reflecting the illegal {$3600.00} charge My debt validation letter Move-out notices and emails Therapist letter ( optional )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: MD

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA. 

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW. 

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief