vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: NV

Complaint narrative:
requested multiple times to get debt validation with no response or a stall letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NV

Complaint narrative:
requested multiple times to get debt validation with no response or a stall letter

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 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have a XXXX account that I've had for years. I recently got a new phone number and changed it last month. Since doing so, I've been unable to send money. I tried sending to my friend XXXX XXXX last month, and it failed multiple times. I tried earlier today sending a payment to a local business which also failed. I tried removing my bank, that failed. I tried adding my bank, that failed as well. I called customer service and was told that it's not my bank denying, it's not that I changed my phone number, it's that my account is flagged in their system as security risk, and that it's been a common issue lately. She put me on hold for about 10 minutes, and said she put in a clearance for my payment I tried to make today, but that it was only for that payment. I told her I already paid cash, but I'm trying to resolve the issue for the future. She said she can't do that, because it's their system flagging it. I asked to escalate the issue to get it resolved, and she refused to do so, saying it's the system doing it, so she can't escalate it. There was no way to proceed forward so I had to ask her to delete my account. 

Ive been using PayPal, their parent company, regularly and successfully for years with no issues. XXXX flagged me as some sort of fraud/security risk without cause, explanation, or appeal. Id like the company to explain or clear this record. After deleting my account, I was advised that I couldn't simply make a new account that was " clean '', because their AI-based threat modeling and security risk database also permanently flags all phone numbers, bank accounts, card numbers, and possibly social security numbers ever linked with that account. This is unacceptable as I've never so much as requested a chargeback or had a failed payment before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I contacted the lender for the vehicle and made a verbal agreement for the amount to pay to reinstate the vehicle and an agreed upon timeframe/time line to retrieve said vehicle. Lender had vehicle shipped to auction before agreed upon date of retrieval arrived ( the day before ). Lender advised of 10 to 14 day period to retrieve vehicle from repossession company, verbal agreement to retrieve vehicle was 7 days, Lender had vehicle shipped on the 6th day without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I filed a dispute for fraud on XXXX charges totaling {$890.00}. I was told I would receive a previsionary credit. I explained that this was my rent money that was stolen they assured me I would received it. On the XXXX business day someone called me being very rude and asked a few questions. I explained everything and the employee was rude and kept trying to refer me back to the main line for questions. I explained with frustration that my rent money is what was stolen and I was told I would receive a credit. XXXX once again referred me back to the main line. Approximately XXXX minutes later I received an alert that my claim was denied. This was done intentionally and unfairly.

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 2025-07-17 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I am filing this complaint because a collection agency is reporting inaccurate information on my credit report. I have disputed the account and requested validation from the debt collector, but they failed to provide proper documentation proving that the debt is valid and that I am legally responsible for it. Despite this, the agency continues to report the account to the credit bureaus. 
This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require that all information reported to credit bureaus be accurate and verifiable. I am requesting that this collection account be removed from my credit reports and that the collection agency cease all reporting and communication until the debt is properly validated. 
XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
I found an inaccurate negative item on my credit report .i contacted the furnished, revieved verifiable response, and am requesting a full investigation under the fair credit reporting ( fcra ) .please

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 2025-07-17 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: PA

Complaint narrative:
I found an inaccurate negative item on my credit report .i contacted the furnished, revieved verifiable response, and am requesting a full investigation under the fair credit reporting ( fcra ) .please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have no connection to these inquiries or the listed creditors. I request their immediate removal from my credit report.

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 2025-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I was a victim of identity theft-from a data breach, and I continuously receive new items in my report that I dont recognize. I would like to have these items blocked and deleted from my consumer report as they are creating exceptional hardships to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
Despite lawfully canceling my student loan through IRS Form 1099-C , which was filed, accepted, and acknowledged by the IRS, MoHELA is continuing to act as though the debt is still valid. They are : Sending me billing statements demanding payment on a canceled debt Refusing to acknowledge the cancellation under federal tax law Continuing to report the loan as delinquent to credit reporting agencies This has directly harmed my credit score and caused ongoing financial damage. Their actions are in clear violation of federal tax law and consumer protection statutes, and they have refused to provide any valid legal basis for their behavior. This is an abuse of their role as a loan servicer and must be addressed immediately.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-17 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: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
In a letter, sent certified mail, requested the collection agencies provide the name of the original creditor, the full account number, and a complete breakdown of the amount owed, including any interest, fees, and payments made. I also request a copy of the original signed agreement or contract to confirm that you are legally responsible for the debt. Additionally, I asked for documentation showing that the agency is authorized to collect on the debt, such as a copy of the assignment or purchase agreement. When I pulled my credit report, I noticed that my name is incorrect on all three reports as well as addresses have not been valid for years or I have never lived at the address. I have tried calling and emailing each creditor. I am aware that there were some data breaches as well, but I did not check all three credit reports at the times that I received notification of the breach. 

XXXX XXXX XXXX Balance {$850.00} Balance updated XX/XX/XXXX Original balance {$850.00} Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$850.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX _ Balance {$580.00} Balance updated XX/XX/XXXX Original balance {$580.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Original balance {$890.00} Date opened XX/XX/XXXX _ Balance {$740.00} Balance updated XX/XX/XXXX Original balance {$580.00} Date opened XXXX XXXX, XXXX Account type Debt Buyer Status Collection account. {$740.00} past due as of XX/XX/XXXX. 
_ Balance {$750.00} Balance updated XX/XX/XXXX Original balance {$820.00} Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$750.00} past due as of XX/XX/XXXX. 
_ Balance {$1000.00} Balance updated XX/XX/XXXX Original balance {$910.00} Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX  Balance details 0 % paid off Balance {$390.00} Balance updated XX/XX/XXXX Original balance {$390.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$690.00} Balance updated XX/XX/XXXX Original balance {$690.00} Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$690.00} past due as of XX/XX/XXXX. 
_ Balance {$600.00} Balance updated XX/XX/XXXX Original balance {$600.00} Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$600.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
I ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
I recently reviewed my credit profile and discovered several third party companies reporting injurious information about me.I have no relationship with any of these companies .These accounts are causing me to get denied for credit. The FCRA code violations ( XXXXusc XXXX ) ( B ) states that a finiancial institution May Not disclose personal information to a third party.There were never any letters requesting permission from me or disclosures giving me the right to opt out.

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 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-07-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian has repeatedly re-inserted an account " XXXX XXXX '' and " XXXX XXXX '' onto my credit report, despite it being disputed and removed on five prior occasions. I have provided documentation of these previous removals.

This pattern of re-insertion violates the FCRA, as Experian has failed to prevent the re-reporting of inaccurate information after previous removals.

I am requesting that the CFPB investigate Experian 's practices regarding this account and ensure its permanent removal and compliance with federal law.

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 2025-07-18 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: MN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-17 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: CA

Complaint narrative:
I am filing this complaint against XXXX ( Citicards XXXX ) for inaccurate and incomplete credit reporting on my account ( Account # XXXX, opened XX/XX/XXXX ), which violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ). This reporting has severely damaged my credit scores ( e.g., FICO XXXX scores of XXXX across Equifax, Experian, and TransUnion as XXXX XX/XX/XXXX ) due to reported late payments, a high balance, and a past-due amount, despite my prior disputes. 

Specifically : Inaccurate Late Payments : The account reports late payments ( 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX on Experian ), but these are incorrect. I previously disputed billing errors under the XXXX, and my records show timely payments or errors in billing that were not properly credited. The reports note " FCBA dispute resolved - consumer disagrees '' ( or similar on Experian and TransUnion ), indicating XXXX failed to adequately resolve the issue. This violates FCRA 1681s-2 ( a ) ( 1 ), which prohibits furnishers from reporting inaccurate information, and 1681s-2 ( b ), requiring a reasonable investigation upon dispute notice. 

High Balance and Utilization : The reported balance is {$20000.00} ( 109 % of the {$18000.00} limit ) with {$1900.00} past due, but this includes disputed charges or fees from unresolved billing issues. This artificially inflates my credit utilization and triggers " serious delinquency '' flags on my reports, harming my ability to obtain credit. Under CFPB regulations ( XXXX C.F.R. XXXX ), furnishers must ensure reported data is complete and accurate ; this reporting is neither. 

Inconsistencies Across Bureaus : Payment history varies ( e.g., XXXX  shows only up to XXXX XXXX XXXX, Experian shows XXXX XXXX ), suggesting systemic errors in XXXX 's reporting process, in violation of FCRA 1681e ( b ) ( requiring maximum possible accuracy ). 

Prior Actions Taken : I disputed this with XXXX directly under XXXX, but they marked it " resolved '' without addressing my concerns. I have also disputed ( or plan to dispute ) with the credit bureaus ( XXXX, Experian, XXXX  ). Despite this, the inaccuracies persist, causing ongoing harm including denied credit applications, higher interest rates, and emotional distress. 

This appears to violate CFPB supervisory guidance, including XXXX XXXX, which requires furnishers to handle disputes properly and not re-report unverified information. XXXX 's failure to correct these errors demonstrates negligence or willful non-compliance, exposing them to liability under FCRA 1681n and 1681o ( actual, statutory, and punitive damages ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I purchased a vehicle through XXXX XXXX in XX/XX/year>, and the loan was financed through American Credit Acceptance. At the time of signing, I was verbally told the interest rate would be around 18 %. I agreed, knowing that was high, but planned to refinance within a year. However, due to ongoing family hardship and personal turmoil, I was unable to focus on refinancing as planned.

Recently, I reviewed the loan documents and discovered that the interest rate was actually listed as 28 %. This rate was never disclosed or discussed with me at the time of agreement. I would not have knowingly agreed to a 28 % rate, especially as the primary provider for a family of five. 

Since then, Ive requested a full payment history statement from American Credit Acceptance but have not received it. Ive also made efforts to stay in communication and set up payment arrangements when facing hardship, but the company has been extremely inflexible. In fact, my vehicle was repossessed once, even after a payment arrangement was made and I believed we were in agreement. 

The way the account is structured, Im paying heavily toward interest and making very little progress toward the principal. It feels like Ill be paying for years without gaining equity in the vehicle. Im requesting a review of the loans interest rate, the disclosure process at the time of signing, and the companys handling of my attempts to stay current. Im also asking for any assistance that may help reduce the financial burden caused by the high interest and inflexible servicing.

Company response to consumer: Closed with explanation