vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I visited XXXX with a tour group. I purchased a facial set from XXXX XXXX on XX/XX/year>. I retunred the product unopened the next day on XX/XX/year>. When I returned the product the manager was not present, but the clerk said they would process my return when they come in. I was on a tour and leaving town that day. XXXX has my complete set that I purchased. Upon returning home to the United States, XXXX tried to ship the product to me. I refused two deliveries at time of delivery. They shipped a third time when I was not home. I immediately took the package to XXXX XXXX and had them ship it back to XXXX XXXX. I have disputed the transaction with Goldman Sachs and after some back and forth they have denied my claim. I do not have the product and feel that it is unfair for me to have to pay for something that I do not have. I am seeking your support to work with Goldman to credit this these two transactions. One for {$410.00} and one for {$8100.00}. My claim number with Goldman is XXXX. Thank you. I appreciate your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: Paypal Holdings, Inc
State: MS

Complaint narrative:
Paypal closed my account and are holding {$40.00} for XXXX and won't give me a straight answer in why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I registered on XX/XX/year> with rocket mortgage because I want to purchase a home. XXXX XXXX ( from rocket mortgage ) text on XX/XX/year> to introduce himself. I called him later in the afternoon to discuss what are the next steps. I explained that I was a first-time home buyer, and asked several questions during his explanation of the options available to me ( as well as asking personal financial questions ). When it came to points, I wanted to understand them and how it affects the mortgage rates. We spoke back and forth for a while, and I asked him how much I can buy down the fixed/permanent interest rate -- I followed with a hypothetical question " For example, if I wanted to buy down the interest rate to 4.5 %, could I do that? '' He replied, " That's impossible. '' I said " No, it's not. Developers offer interest rates as low as 3.5 %. '' His reply, " that's their own bank. '' I said " No, it's not. It's their exclusive mortgage lender that they've made a deal with because I've spoken to multiple already. '' He started going off on a tangent, while avoiding addressing my point. He mentioned the rates are set by the Fed, which I replied that I was aware and asked why do some mortgage lenders say their rates are competitive if you can not offer different rates? He replied ALL mortgage lenders are required to only offer 6.99 % ( set by the Fed ) and anything else is illegal ( I was shocked by this statement because it makes XXXX sense. ). I repeated his " illegal '' statement back to him to confirm what I heard and understood. He confirmed that I was correct. I didn't continue to belabor this point because I just wanted to know how much I could buy it down. He replied " 5.375 % ''. I asked, " How much would that cost to buy it down to 5.375 %. '' He said, " You can not. It's illegal for us to offer that low. '' At this point, I was very frustrated with his responses. I said, " I just want to know WHAT % CAN I LEGALLY BUY IT DOWN TO WITH ROCKET MORTGAGE? '' He replied " 5.5 % for XXXX ''. At this point A LOT OF RED FLAGS were going off in my head, so I wanted to conclude the conversion and asked him what he needs from me. We finished that and finished the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX agreed to cancel my timeshare contract for a fee of {$3400.00}. I did not have that much and said to forget it, but they insisted I could pay half then and half later when the service was finished.This was noted in the contract which was not valid to begin with and never mentioned anything about a third party ( Affirm ) handling the payments. Affirm states that they pay the merchant the entire amount up front and set up a payment plan for me to repay them. I made the payments for the first half {$1700.00}. Then I realized I had received nothing from XXXX XXXX about their attempts or progress to cancel the timeshare contract which should have been done by now unless they were sitting around doing nothing. I asked them about it and they said they would not start working on canceling the contract until they received the total {$3400.00} which they had received up front from Affirm. So I filed a dispute with Affirm to cancel any future payments for the reasons stated above and get a refund of my {$1700.00} yjat I had already paid. Affirm went against me because they said XXXX XXXX provided proof that the job had been completed and I owed them the last {$1700.00} which they had already paid XXXX in the beginning. Neither Affirm or XXXX could show me this proof. They had also cancelled the contract at one point and then later said it was a mistake and it was not cancelled. During this time when I thought it was cancelled, I hired a reputable person to cancel the contract which he did in a few days. He also said the timeshare said they had never been contacted by XXXX to cancel the contract, so I have proof that they never offered any proof to Affirm that they did the job. So why doesn't Affirm get their money back from XXXX instead of harrassing me for the money. XXXX had also continuously sent me nasty and threatening emails so I finally blocked them and they even sent me a XXXX threatening letter. I owe them nothing and they owe me a {$1700.00} refund. I can't see where there is any question about my timeshare XXXX threatening letter. I owe them nothing and they owe me a {$1700.00} refund. I can't see where there is any question about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I previously submitted a dispute to TransUnion through the CFPB on XX/XX/year> ( CFPB reference number available ), regarding inaccurate and negative account information.

I also have active CFPB disputes with XXXX XXXX XXXX  involving the same or similar account data that was disputed in XX/XX/year>, deleted, and later unlawfully reinserted by those agencies. 

TransUnion was placed on notice of these related disputes to ensure independent verification and prevent replication of disputed data. Despite this notice, TransUnion continues to report negative information without demonstrating that it conducted a reasonable reinvestigation or maintained maximum possible accuracy. TransUnion is also reporting inconsistent personal identifying information. 

The alleged debts have been assigned, and continued reporting listing me as the personal obligor is inaccurate. 


A Physical Letter was mailed VIa USPS certified Tracking-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 explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I owe XXXX XXXX a loan. I forgot about the loan and it went into collection. A guy from an unknown number at first kept calling me. He said his name was XXXX XXXX, and was vague about what agency he's with and he said I had to call XXXX to rectify a collection or else he would submit my documents to the court of my county and I would be found by him and brought to court. I called the county court to make sure if it was true or not, and the said the had no reference number of me in the system. I called the number and they told me that the line was recorded. It was called XXXX XXXX, and that they were National.They told me that I owed a debt from XXXX XXXX, and they all of my info. They proceeded to go through the steps of me making payments back so I wouldn't be processed through the court. I made the first payment on XX/XX/XXXX for the amount of $ XXXX had to make payments every Friday for a payment of {$91.00} until XXXX of XXXX. They gave me a claim # XXXX. Every once in a while if the payments doesn't go through on time XXXX XXXX calls me with the same message, but recently he calls me from a local number that I can't call back, and he leaves voicemails. As of XX/XX/XXXX he left a voicemail to call XXXX XXXX. I called them and it kept giving me different voicemail answers as if it's a fake number. I did some more research and I saw that other people have had the same type of issues that were later called scam tactics from XXXX XXXX. I have not found many information on this company. Every time I ask for a conformation number when I pay, they always give it over the phone. Never received an email or mail about this company. My credit reports that National Debt Collector has my collection from XXXX XXXX not 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting during an approved mortgage forbearance. 

XXXX, my prior mortgage servicer, approved my account for a forbearance covering XXXX, XXXX, XXXX, and XX/XX/year>. Under the terms of this forbearance, I was required to make monthly {$10.00} payments, which were paid on time each month. 

Despite complying with the forbearance terms, XXXX inaccurately reported late payments for XXXX XXXX XXXX XXXX XXXX and TransUnion. 

The loan was later transferred to XXXX XXXX XXXX, which continued furnishing the same inaccurate late payment history without correction, even though the required payments were made as agreed. 

Reporting late payments when the borrower has complied with the approved forbearance terms is factually incorrect and violates the Fair Credit Reporting Act. 

I am requesting immediate deletion of the false late payments for XXXXXXXX XXXX from all consumer reporting agencies, correction of the account history, and written confirmation that the inaccurate reporting has been resolved.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting during an approved mortgage forbearance. 

XXXX, my prior mortgage servicer, approved my account for a forbearance covering XXXX, XXXX, XXXX, and XX/XX/year>. Under the terms of this forbearance, I was required to make monthly {$10.00} payments, which were paid on time each month. 

Despite complying with the forbearance terms, XXXX inaccurately reported late payments for XXXXXXXX XXXX XXXX XXXX Equifax, and TransUnion. XXXX  loan was later transferred to XXXX XXXX XXXX, which continued furnishing the same inaccurate late payment history without correction, even though the required payments were made as agreed. 

Reporting late payments when the borrower has complied with the approved forbearance terms is factually incorrect and violates the Fair Credit Reporting Act. 

I am requesting immediate deletion of the false late payments for XXXXXXXX XXXX from all consumer reporting agencies, correction of the account history, and written confirmation that the inaccurate reporting has been resolved.

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 information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This account has been wrongfully attributed to me and the reporting is inaccurate ; I request an immediate review and correction.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-26 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: FL

Complaint narrative:
I am submitting this complaint with certainty and not in error. My credit report contains a specific account that is not being reported with maximum possible accuracy. The information being furnished is inaccurate and misleading, and its continued reporting has negatively affected my credit standing and financial well-being. During an already challenging period, the presence of this inaccurate account has caused unnecessary stress and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
Student loan accounts from XXXX were reported to my credit file without my written consent, violating XXXX regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both XXXX and FCRA.

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 2025-12-26 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I received a third party advertisement that citi bank na has tried to file a lawsuit against me for debt. I did a search with my county clerks office and found it to be true. I havent received any notification of said debt nor summons. I want to challenge this and get the debt cancelled due to unfair practices from citi bank

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I called experian and asked for a complimentary business credit report due to the fact that its a collection on my business credit report and it was Not properly investigated I was told No I would have to purchase it unless I can show i was denied business credit. 
I submitted a dispute and it was not answered I called several times and was told the same thing.

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 2025-12-26 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: GA

Complaint narrative:
Student loan accounts from DEPTEDXXXX were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

Company response to consumer: Closed with non-monetary relief