vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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 incorrect 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 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX Capital One ACH executed an unauthorized debit of {$14000.00} from my bank account, due to either criminal activity on the part of a Capital One employee/representative, failure of Capital One computer sustems to properly verify the legitimacy of requested ACH transactions, or their negligence in verifying bank information prior to executing an online payment request. Capital One is liable for damages for the costs to terminate and transfer accounts and bank documents, including replacement of business checks and the time to change automatic payment informatin for over 20 : accounts, as well as punitive damages due to their failure to verify bank account information prior to performing ACH debits. Bank Statement Information : Withdrawal Capital One / Type Online Payment ID XXXXXXXX XXXX  : Capital One. Name : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
Incorrect address and accounts on my report that was reported without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/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 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texas Guaranteed
State: FL

Complaint narrative:
Account name XXXXXXXX XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$470.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$410.00} Highest balance - Terms 1 Month On record until XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I was charged on XXXX different credit cards for XXXX tickets to the XXXX XXXX Game at the XXXX XXXX XXXX  XXXX XXXX. I did not order them. The 2 sums are from XXXX, XXXXXXXX XXXX XXXX XXXX {$1900.00}, and XXXX, from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3800.00}. Total loss is {$5700.00}. 

First discovery was XX/XX/year> and I called the number to cancel the charge which I stated was fraud, the amount of {$3800.00}. The other I noticed on XX/XX/year> when checking my bank statements. That amount is {$1900.00}. 

The perpetrator used my PayPal account to gain access which I rarely used and even added another card in my name which I had used to buy things online. The method of access was a very large security flaw in XXXX XXXX browser. Instead of expiring tokens when tabs went to sleep, the tokens remained live so anyone with access to my browser can use. The passwords were still protected by pin but since the tokens did not expire, there was no request to enter a pin code. This is an error on XXXX. 

The tickets were distributed and sold by XXXX XXXX in XXXX and processed by PayPal in XXXX XXXX. I reside in California and will be taking this case to other agencies. At least XXXX more. I want the matter resolved quickly and I don't want to hear I am going to have to pay the {$5700.00} which represents at least 2 months of my income. I am XXXX. So, this is also elder abuse financial exploitation. 

As of today, both charges appear on my credit card statement and I am liable to pay. I don't want to pay for something I did not order especially when the cost is so high. XXXX tickets to a game you could might see on TV for {$5700.00}? 

I am not a sports fan. I did not make these XXXX purchases. I need help in getting the money back. So far, all attempts to get the money back has failed and I remain hopeless worrying how I am going to pay these XXXX big bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NM

Complaint narrative:
In XXXX I entered FFEL Income-Based Repayment ( IBR ) based on the assurance that after 25 years of payments my remaining balance would be forgiven. In spring XXXX, I contacted my servicer, XXXX XXXX XXXX XXXX  ( XXXX ), about consolidating. The representative explained that consolidation would restart my forgiveness clock at zero, erasing all prior repayment. I was never told that consolidation was in fact required for my repayment history to count. 
Relying on this misrepresentation, I did not consolidate. As a result, I lost credit for 15 years of repayment and my forgiveness clock has been reset, leaving me with a new XXXX  year term. The financial harm is severe ( hundreds of thousands of dollars in potential forgiveness lost ), and the emotional harm equally significant. I acted in good faith, maintained repayment for over 15 years, and still was misled. I sought only to repay fairly based on income, not to manipulate the rules, yet I was still misled into losing the very forgiveness the program promised. 
My servicer had a financial incentive to discourage consolidation, since consolidation would have transferred my loan away and ended their servicing fees. This was not a harmless error but a self-serving misrepresentation. It is also the third time XXXX has mishandled or misrepresented my loans, and they admitted fault in the first two instances. This demonstrates a pattern of misconduct, not an isolated mistake. I request that my 15 years of repayment credit be restored under the IDR Account Adjustment.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-07 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: IA

Complaint narrative:
I want Trans Union, Experian and Equifax to immediately add the following current personal information to my credit report : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1986, XXXX : XXXX, Current Home Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Iowa XXXX, Employer : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Employer Phone Number : ( XXXX ) XXXX, Years at Employer : XXXX, Months XXXX, Annual Salary : {$85000.00} to {$100000.00}, Position : XXXX XXXX. Please immediately add this personal information to my Trans Union, Experian and Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Company Name : TrueAccord Corporation Original Creditor : XXXX XXXX XXXX Account Number ( last 4 digits ) : [ insert last 4 digits from your report ] Balance Listed : {$5200.00} Credit Bureau Reporting : XXXX Complaint Summary I am filing a complaint against TrueAccord Corporation for inaccurate and unfair credit reporting practices. This company has reported a collection account to my credit file with TransUnion that contains errors : 1. Incorrect Dates : The account shows a date opened of XX/XX/year>, which is a future date. This is impossible and clearly inaccurate. 
2

. Improper Reporting : The account is reported as an open account, which is misleading because collection accounts should be reported as closed/charged-off, not open.

3. Incomplete Contact Information : The entry provides no phone number for the company, preventing me from directly contacting them.

4. Unverified Debt : I have not received proper validation of this debt from TrueAccord as required under the Fair Debt Collection Practices Act ( FDCPA ). 

These errors materially harm my credit standing and ability to secure housing and financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I am responding to your letter/phone call dated XX/XX/XXXX, regarding the alleged debt you claim I owe {$8800.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt.

Specifically, please provide : The name and address of the original creditor.

The amount of the alleged debt, including an itemized accounting of fees, interest, and other charges.

Documentation that I am legally obligated to pay, such as a signed agreement or contract.

Proof that you are licensed to collect debts in my state.

Until you provide proper validation, I request that you cease all collection activities, including reporting this alleged debt to credit bureaus.

Please note that any attempt to collect without proper validation is a violation of the FDCPA. 

SincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: EQUIFAX, INC.
State: IN

Complaint narrative:
- Equifax XX/XX/XXXX : XXXX compromised XXXX XXXX Americans including SSNs, names, addresses, and credit histories. 
- Experian XX/XX/XXXX : XXXX exposed personal data of XXXX XXXX consumers and XXXX businesses. 
- TransUnion XX/XX/XXXX : XXXX exposed private information of XXXX XXXX records, including SSNs and credit files. 
As a result, my identity has been placed at extreme risk, and I have already suffered denial of credit and loans directly tied to your failure to safeguard my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have checked my credit report and The following inquiries were made that i didn't authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Below I have uploaded documentation of an ftc report along with being effected by a data breach

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 2025-09-07 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: IN

Complaint narrative:
- Equifax XX/XX/XXXX : XXXX compromised XXXX XXXX Americans including SSNs, names, addresses, and credit histories. 
- Experian XX/XX/XXXX : XXXX exposed personal data of XXXX XXXX consumers and XXXX businesses. 
- TransUnion XX/XX/XXXX : XXXX exposed private information of XXXX XXXX records, including SSNs and credit files. 
As a result, my identity has been placed at extreme risk, and I have already suffered denial of credit and loans directly tied to your failure to safeguard my data.

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 2025-09-07 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
- Equifax XX/XX/XXXX : XXXX compromised XXXX XXXX Americans including SSNs, names, addresses, and credit histories. 
- Experian XX/XX/XXXX : XXXX exposed personal data of XXXX XXXX consumers and XXXX businesses. 
- TransUnion XX/XX/XXXX : XXXX exposed private information of XXXX XXXX records, including SSNs and credit files. 
As a result, my identity has been placed at extreme risk, and I have already suffered denial of credit and loans directly tied to your failure to safeguard my data.

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 2025-09-07 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been determined to my life and credit health

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 2025-09-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Dave Operating, LLC
State: TX

Complaint narrative:
XX/XX/2025 Dave Banking Service ( XXXX ) Closed My Account With XXXX $ In My Goals Account I specifically told XXXX if she could close my Goals Account Not My whole Account and She went ahead and closed my whole that is not what i wanted even if she couldnt close my goals account she should have told me and we could have fix the situation more but i need my money i had XXXX dollars in that account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
I have a debt from XXXXXXXX XXXX  for ending my mobile service in the amount of {$98.00}. XXXX sent the debt to a collection agency Sequium and they are requesting I pay XXXX XXXXXXXX refuse to pay {$190.00} because Sequium keeps increasing the amount owed to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I am supposed to have an escrow check sent to me for over XXXX and I did not receive this and they said it will be over 2 months to receive it and I called many times. 
I should have had this sent to me in XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
XXXXI opened this account without id through bank manager XXXX XXXX who is the  wife of my nephew without having any formal id.  In XXXX, I received a call from the Elderly Financial Abuse Department regarding my cousin, XXXX XXXX, who had put in a complaint that XXXX XXXX had possibly took monies from her account.  After the call I looked into my account and discovered there were diiscrepancies also. I put in a complaint over the phone and was advise to go into a branch office which I did.  Might I also add that not much longer after this XXXX XXXX was fired after being with the company since XXXX.   Here is the list of transactions that I am questioning.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-07 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681B and I need them blocked and deleted from my report as soon as possible.

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 2025-09-07 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: Self Financial Inc.
State: MD

Complaint narrative:
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors outlined in U.S code 1666 ( b ) under the billing error category : ( 4 ) the creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. ( 5 ) A computation error or similar accounting error made by the creditor on a statement. It is my knowledge that the creditor pennymac loan services failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked account. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in erroneous designation as late- a sign of an evolving error-therefore I humbly request that the subsequent enterirs be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' and removed late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding a loan account with MoneyLion that is currently being reported as a derogatory account on my credit report. 

On XX/XX/year>, I submitted payment for the full balance of this loan through the MoneyLion portal, and the account should reflect as paid in full. Despite this, MoneyLion continues to report the account with an outstanding balance to the credit bureaus. 

I have disputed this inaccurate reporting with each of the major credit bureaus ; however, each dispute response states that the account has been " verified '' and the incorrect balance remains. This situation is negatively impacting my credit profile and is hindering my ability to obtain credit. 

I am attaching any available documentation of payment and screenshots from the MoneyLion portal for verification, if applicable. 

Thank you for your attention to this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There's hard inquiries we don't recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief