vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: AZ

Complaint narrative:
REACHED OUT TO EQUIFAX AND TRANSUNION TO DISPUTE INFORMATION LISTED ON MY REPORT THAT IS NOT ACCURATE AND THEY BOTH FAILED TO PROPERLY REVIEW MY FTC REPORT AND INVESTIGATE MY DISPUTE PLEASE SEE ATTACHED FTC REPORT LISTING FRAUDULENT ACCOUNTS AND INQUIRIES I DID NOT APPLY FOR AUTHORIZE PLEASE DELETE SUCH ITEMS

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 2025-05-09 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: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute to Experian concerning multiple entries on my credit report that I believe to be inaccurate, unverifiable, or unauthorized. 

First, I challenged the reporting of an incorrect former XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX is outdated and unrelated to my current financial activity. I requested that Experian remove this address and update my current residential address instead. 

Secondly, I disputed several credit accounts due to concerns about ownership and verification. These include : XXXX XXXX ( Account ending in XXXX ) I do not acknowledge owning this account and requested full validation, including original signed documents and billing history. 

XXXX accounts ( XXXX, XXXX, and XXXX ) These were disputed based on potential reporting errors and unverified ownership. Each shows between 8 to 9 months of negative reporting, which I believe may be inaccurate. 

XXXX This account also reflects several months of potentially negative history and is disputed on the basis of ownership and data accuracy. 

XXXX XXXX XXXX ( XXXX ) I disputed this collection account for lacking validation, including documentation that confirms the original debt, the current owner 's legal right to collect, and proper reporting authorization. 

Lastly, I disputed a series of hard inquiries that appeared on my credit report without my knowledge or consent. These include : XXXXXXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry date unavailable XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me, and I requested that Experian remove them unless written proof of my explicit consent can be produced. 

To date, I have not received verification documents substantiating the accuracy or legitimacy of these disputed items. I am requesting a full manual reinvestigation and deletion of any entry that can not be lawfully verified with original source documentation.

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 2025-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received paper statements to pay my XXXX bill up to XX/XX/year>. In XXXX they said I was delinquent but I hadnt received any statements since XXXX. They said I signed up for paperless billing- which I did not. I asked what I needed to pay to clear the account and requested my account be closed. Today I got an email saying I owed {$69.00}! I spoke with them and they said there was a residual interest fee of XXXX that posted after I closed my account. I havent heard anything else except constant calls from a collection agency that I ignored because I was told my account was paid in full. I have had to pay over {$100.00} in late fees due to the fact they stopped sending me paper statements. I am unhappy

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I had a cash app card for XXXX yrs and no problems they offered me a loan so I took it and transferred it to my account to avoid overdraft fees that's why I took the loan then all of a sudden they saying I broke terms which they will not tell me what I did I used this card to send money to my children and XXXX I feel this is unfair especially when they won't even tell u what u did and I relied on this card alot. They are treating people unfair for no reason I paid back the loan and a week early at that their was no reason for this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 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: CA

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NRA Group, LLC
State: PA

Complaint narrative:
XX/XX/year>XXXX  {$880.00} im trying to get some information. This is a medical bill and the company is not responding. 
Original company XXXX XXXX XXXX XXXX XXXXXXXX Your furnishings of my account information to National recovery, is not in compliance with HIPAA Or Pennsylvania Privacy act, and any subsequent reporting of this account on my report to credit reporting Bureau is a clear allegation of public law 104-191 HIPAA National recovery is the company that Im trying to reach out to and can not get a response back Is showing on my credit report under XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These action have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
I was placed into the XXXX repayment plan in XXXX and then placed into XXXX forbearance status in XX/XX/XXXX. I submitted a request to switch out of the XXXX plan in XX/XX/XXXX and was formally approved for Income-Based Repayment ( IBR ) in XX/XX/XXXX. 

However, despite this transition, my account remains in SAVE forbearance status, which I did not request. This has prevented my payments from being counted toward XXXX XXXX XXXX XXXX ( XXXX ), to which I am actively working toward. As of my last update, I had approximately XXXX qualifying payments, but this forbearance period has stalled that progress. 
Additionally, while XXXX forbearance is supposed to be interest-free, my balance has continued to accrue interest throughout this period. 

I successfully spoke with MOHELA representatives in XXXX and XX/XX/XXXX. 
Both acknowledged the issue, agreed that it should not have happened, and submitted internal tickets for correction each promising resolution within XXXX business days. As of today, nothing has been fixed. 

Since then, I've been unable to get through to a live representative via phone. 
I also contacted XXXX XXXX XXXX office, which opened a formal inquiry, but they have not received any response from MOHELA or the Department of Education either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: RI

Complaint narrative:
I strongly urge you to correct this late payment entry, as it does not truthfully reflect my payment record. I have always met my payment obligations on time, and this error must be rectified immediately.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-05-09 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: LA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX * * * * Balance : {$5200.00} & XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX BANK N.A. ) XXXX * * * * Balance : {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: LA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX * * * * Balance : {$5200.00} & XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX BANK N.A. ) XXXX * * * * Balance : {$600.00}

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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MI

Complaint narrative:
I am submitting this formal complaint against the Department of Education and its servicers ( specifically EdFinancial Services ) for unlawfully reporting and mishandling my student loan information, which has resulted in a serious violation of my privacy rights under FERPA ( Family Educational Rights and Privacy Act ) and a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The disputed student loans were repeatedly reported as duplicates across the three major credit bureaus and reflect inconsistent statuses, unauthorized reporting, and a lack of proper notice or rehabilitation options prior to derogatory marks being placed on my credit reports. In many cases, I never received notification that repayment or rehabilitation was required a fundamental failure in procedural due process under FERPA and federal servicing requirements.

Violations : FERPA Violation : My protected education loan data was shared and mishandled without informed consent or transparency.

FCRA 1681e ( b ) : Failure to maintain accuracy in credit reporting.

FCRA 1681s-2 : Furnishing of duplicate or incorrect negative information.

FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to properly investigate and correct erroneous data.

FCRA 1681b : Reporting of inquiries or data with no permissible purpose. 

Supporting Evidence : Dispute letters sent to XXXX XXXX XXXX XXXX ( XX/XX/year> ) citing specific EdFinancial loan IDs with no response or improper validation. 
Clear pattern of duplicate account numbers, inconsistent rehabilitation notifications, and inaccurate addresses, names, and inquiry data. 
Failure by XXXX and the Department of Education to provide documentation showing consumer notice, loan servicing timelines, or valid basis for credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> I was charged XXXX randomly while I was at work, it was taken out of my overdraft amount. I automatically called Chime and was told over the phone that I will be receiving a credit and they will help assist only after the pending charge went through. I waited and then set up the dispute XXXX days afterwards after the charge posted. Almost XXXX weeks later I receive an email simply stating my dispute was denied. The charge came from a " XXXX '' out in Virginia, I stay in California. When I found out my dispute was denied I called the company who then reopened the case after I threatened to get a police report and take this to small claims court. I also asked for the documents of the investigation that shows how they came to that decision. The representative stated that they will email it & once again with the promise of it being resolved. Today I receive yet another email denying the claim with no investigation documents and a vague explanation about how investigations take place. Not what happened during mines. I'm now concerned that someone who works for chime themselves is stealing my money as I've heard people talk about that before. I will sue this company. I'll be getting the police report now and also contacting a lawyer. Over XXXX bucks. It was my money, it was stolen and the bank is doing nothing about it. I deposit my checks and everything in there I am now about to cancel everything with them and move on to a real bank. This bank is filled with criminals.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Citizens Debt relief LLC
State: CA

Complaint narrative:
I had signed up for Debit relief program through the XXXX, XXXX XXXX  which they only have been taking my money {$320.00} and cents every month for the last 3-4 months and they have never contacted my creditors nor make any payments at all, i called them and they said they wanted to have more funds in order for them to pay my creditors and my creditors said they have never received any calls from this program they have been taking my money out of my account and not making any payments on my credit cards at all. I want all my money back as I got behind payments for example my car payments I will need them to pay me back all the money I spend and compensation for fraud and taking money out and not paying my creditors, I will talk to a lawyer if needed as this is not okay.

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 2025-05-09 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Dispute Summary : This account is being reported inconsistently across the three major credit bureaus, which is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ). Specific issues include : Experian shows the account as open, XXXX  and XXXX  report the account as closed, The account type is inaccurate across at least one bureau, The monthly payment amount is incorrect, The status update is inaccurate or outdated, The last payment date does not match actual activity, Terms and reporting are incomplete, misleading, or unverifiable. 

On XX/XX/year>, my score dropped by XXXX points, and on XX/XX/year>, it rose by the exact same amount clear evidence of erroneous reporting, manual interference, or inconsistency in how data is being handled.

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