vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Maintaining a good credit is a priority for me, which is why Im really upset about the mistakes on my credit report. These inaccuracies are super stressful and its just frustrating to see my credit get impacted by errors that arent even my fault. I'm really concerned and want this resolved ASAP because I dont want to wait for any more damage to be done.

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 2025-07-12 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
My information is in early warning system and is a part of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I spoke with a person identified as " XXXX XXXX '' and was told on a recorded phone call that I would be allowed to do an " early pay off '' to avoid paying the high interest rates that this company gives their customers. The only time that I was allowed to make an extra payment was on XX/XX/year> which put the final date of payments up a week until XX/XX/year>. 

On XXXX separate occasions XX/XX/XXXX and XX/XX/year>, I was told that I could not make an additional payment until the prior weeks payments " cleared '' which would take up to XXXX banking business days to clear. 

XXXX. XXXX XXXX is invoked here as during the initial conversation that took place on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX has breached their contract in which they granted me permission to pay off a high interest loan before the end date in which they only allowed a {$100.00} additional payment to go towards the principal balance. Now that they have denied me twice, it has placed me in a financial situation that is irreparable. 

If my loan is not annulled, I will seek legal remedies along with a judicial order to have this loan voided and null in its face due to the XXXX XXXX XXXX XXXX breach of contract and predatory lending practices and usury as they are manipulating circumstances to keep me locked into a excessively high interest loan by refusing to accept an early pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I attempted to dispute inaccurate information with the credit reporting agency. I sent out letters on XX/XX/year>, XX/XX/year>, and XX/XX/year> demanding the credit bureau to further investigate this account and ensuring that this account is XXXX XXXX correct. They have failed to do so. This credit bureau has NOT provided me a copy of ANY original documentation required under section XXXX ( a ) ( XXXX ) ( A ) and section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) Under section XXXX ( XXXX ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified ''

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 2025-07-12 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: CA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
XX/XX/XXXX Total interest on loans today : {$1200.00} Ive been in forbearance since XX/XX/XXXX. I paid all the interest and made payments from XX/XX/XXXX to XX/XX/XXXX and paid off an entire loan. I should not have any interest on any of my loans while in this forbearance, as stated it had 0 % interest the entire time. The statement from XXXX that listed the increase in interest - I also called then and NO response or fix. 

Total today ( XX/XX/XXXX ) : XXXX Current interest : {$1200.00} ( incorrect bc I had XXXX as of XX/XX/XXXX and none should be accruing ) My current balance should be : {$43000.00} Also sent 2 emails to MOHELA and XXXX with no response. 

XX/XX/XXXX - Called MOHELA, spoke with XXXX and mentioned the above, call ended around XXXX XXXX XXXX  - Said XXXX is in charge of interest and accrual - Requested payment history so I can see when interest accrued - Live chatting with XXXX at XXXX with XXXX ( case number is XXXX ) - Told me to submit a complaint and sent a link.. 
- They said Im NOT supposed to have interest but no one knows how to fix it or who fixes it. She said though to file a complaint and then they will get a servicer to talk to mohela - Complaint submitted at XXXX, case number XXXX - Complaint submitted with cfpb : ID FOR COMPLAINT SENT TO MOHELA STUDENT LOAN COMPANY XXXX Important to Note and Documents Attached Below : Total Interest XX/XX/XXXX : {$0.00} Total Interest from document received on XX/XX/XXXX : {$480.00} Total Interest from document received on XX/XX/XXXX : {$1200.00} You can see that interest has accrued on all of my loans and needs to be removed before XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The inquiry was not authorized XXXX XXXX XXXX XXXX, The inquiry was not authorized XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXXXX/XX/year>

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 2025-07-12 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: NY

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. 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 non-monetary relief
Consumer complaint received 2025-07-12 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the account listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these account, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. This is the account that I request to be investigated and updated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$250000.00}

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 2025-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased what was advertised on Capital One Travels website as a round-trip flight. However, due to what a Capital One representative later described as a system glitch, the reservation was split into XXXX separate one-way tickets without my knowledge or consent. 

On XX/XX/XXXX, my XXXX flight was canceled. I contacted XXXX XXXX directly and was able to obtain a refund for that leg. However, they informed me that they could not process a refund for the second leg of the trip because Capital One had booked the flights as two separate reservations, even though it was advertised as a round-trip. There was no disclaimer on the Capital One Travel website indicating that a round-trip booking might not actually be issued as a round-trip reservation. 

Capital One refused to refund the return ticket, despite admitting during a recorded phone call that the issue was due to a system glitch. Instead, they offered only a travel creditand made this offer conditional on me not submitting a complaint to a consumer protection agency.

When I questioned this, the representative clearly stated ( on record ) : " No, Im not able to give you the credit if youre going to make a claim.

Well, maam, Im following the rules that I was told. 
Well, Im following the rules '' This appears to be retaliation and coercion. I believe I am entitled to a full refund, not just a credit, and that conditioning assistance on my silence violates consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I sent a Pay for Delete request letter to National Credit Adjusters ( NCA ) regarding a collection account of {$190.00} they are reporting on my credit report. I offered to settle or pay the account in exchange for the deletion of the negative item from my credit report. 
As of today, I have not received any response from NCA. I am requesting assistance from the CFPB in facilitating a resolution. I am willing to pay the agreed amount if they will confirm in writing that they will delete the account from all credit bureaus. 
I would like this collection item removed from my credit report in exchange for payment, as is commonly done with pay-for-delete agreements. I am trying to improve my credit standing and believe this is a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complain XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
I received a letter from a law firm called XXXX XXXX XXXX XXXX. at XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I guess the phone number is : ( XXXX ) XXXX. The bill is an old bill from XXXX XXXX XXXX, and the Original Creditor is XXXX XXXX Bank. The amount of the bill is {$2600.00}. I have no idea who these guys are. I can't pay this because I am not working. I am XXXX XXXX XXXX and am retired. I receive {$800.00} a month from Social Security XXXX, which dropped from {$980.00} a month because XXXX XXXX refuses to pay my {$180.00} XXXX premium. That {$180.00} now comes out of my Social Security XXXX money. I really don't know what to do. My oldest sister sends me a check for {$750.00} a month around the XXXX of each month. This helps a little bit to help pay a small portion of my bills. 

I do not know if you can help me with this or not. I can't afford a whole lot. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an item on my credit report from XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ). It is currently listed as a repossession and I believe it to be inaccurate. 

Please provide full documentation verifying the repossession, including the original signed contract, proof of default, and legally required notices prior to repossession. If this information can not be verified, I respectfully request its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ). 


Sincerely, XXXX XXXX XXXX XXXX : XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TN

Complaint narrative:
ON XX/XX/year>, I CALLED RENT REOVERY SOLUTIONS AND SPOKE WITH XXXX XXXX AND ASKED IF SHE COULD EMAIL ME THE BALANCE OWED THE ACCOUNT, AFTER RECIEVING THE EMAIL, I NOTICE THE RRS HAS PROVIDE INACCURATE AND FALSE INFORMATION CONCERNING THE BALANCE OWED, ON MY CREDIT REPORT WITH XXXX IT STATED I OWE {$3300.00} BUT WHEN I RECEIVE THE EMAIL IT STATED I OEWD A BALANCE OF {$3100.00}, THATS A DIFFERENCE OF {$160.00}, SO WITH THAT BEEN SHOWN, RRS HAS DAMAGED MY CREDIT HISTORY BY PROVIDING INACCURATE AND FALSE INFORMATION FOR MANY YEARS, IT HAS STOPPED ME FROM ATTAINING ANY RENTAL PROPERTY, CAUSED ME A GREAT DISTRESSED, EVEN IN THE PAST RRS WOULD CONSTANLY CALL ME USING VERBAL ABUSIVE LANGUAGE. AND KNOW THAT I KNOW THE TRUTH ABOUT RRS, I DEMAND A SERIOUS INVESTIGATION FROM XXXX TO KNOW THAT RRS HAS DAMAGED MY CREDIT, PROVIDED FALSE & INACCURATE INFORMATION ON MY CREDIT REPORT, SO I DEMAND AN IMMIDIATE REMOVAL & DELETION FROM MY CREDIT REPORT, I WILL NOT BE COMFORTABLE OF HAVING THIS ACCT UPDATED DUE TO THE SERIOUSNESS OF ALL THAT THEY HAVE DONE TO ME OVER THE YEARS. 

SO CFPB, I ASK THAT YOU HOLD EXPERAN AND RRS ACOUNTABLE FOR PROVIDING INACCURATE & FALSE INFORMATION & DEMAND THAT THIS ACCOUNT BE NOT UPDATED BUT REMOVED AND DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
XX/XX/XXXX These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed. 


* * All these items will be required or under FCRA these illegal items must be removed within 30 days * * An explanation of what this illegal account is for. 

Documentation that shows I agree to pay this illegal debt The agreement that grants you authority to collect on this alleged illegal debt A copy of your state license, including state number. 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX XXXX XXXX report. 

Remove all negative fraudulent items not associated with me! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX  stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$610.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$550.00} XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$480.00} XXXX XXXX Date XX/XX/XXXX Balance {$98.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
debt was paid we had an agreement to remove from credit

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 2025-07-12 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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