vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a dispute regarding a collection account reported by XXXX XXXX XXXX in the amount of {$460.00}. This alleged debt was sold to them by XXXX XXXX. I did not open or authorize any account with XXXX XXXX. The bill and services were created in my name as a result of identity theft. I am requesting that this fraudulent collection account be investigated and removed from my credit reports. This account has 4 days to be removed under law off my credit reports due to being Fraudulent accounts.

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 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am disputing the collection account with XXXX XXXX STATE EMPLOYEES CRED U - XXXX XXXX XXXX XXXX XXXX This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
I submitted an Income-Driven Repayment ( IDR ) plan change request on XX/XX/year>2025. Under Department of Education rules, servicers are expected to process IDR applications within approximately 3060 days, and months during this review period are supposed to count toward PSLF if the borrower has qualifying employment. 

Despite this, my application was not processed until XX/XX/XXXX, 2025approximately nine months later. As a result, my PSLF payment history now shows XXXX 2025 as Ineligible, even though I had continuous qualifying employment the entire time and the delay was entirely caused by the servicer. 

Additionally, XX/XX/year>2025 does not appear at all in my PSLF payment history ( neither eligible nor ineligible ), indicating a data error. 

On XX/XX/scrub> 2025, I contacted MOHELA requesting correction for : XXXX 2025 ( servicer delay ) The missing XX/XX/year> entry MOHELA did not respond to the issue. Instead, they sent a generic SAVE injunction template email that did not address my IDR request, did not explain the nine-month processing delay, did not address PSLF, and did not address the missing data month. 
My request for clarification and correction was ignored. 

Additionally, in XX/XX/year>2025 MOHELA sent me a letter encouraging me to reapply for an IDR plan even though my XX/XX/year>2025 request was still pending and unprocessed. Reapplying as they suggested would have restarted the clock, erased several months of PSLF consideration, and further delayed resolution. This demonstrates that the servicer provided incorrect guidance that would have caused additional harm to my PSLF progress. 

My concern is that the servicer delay is now causing me to lose PSLF-eligible months even though I met all employment requirements, submitted my IDR request on time, and the responsibility for the delay lies entirely with the servicer ( MOHELA ).

I am requesting CFPB assistance to obtain : 1. A full review of my February 3October 26, 2025 IDR processing delay.

2. PSLF credit for XXXX 2025 due to servicer-caused delay. 
3. Correction of the missing XX/XX/year>2025 payment entry. 
4. A written explanation of the delay and how my PSLF record will be corrected.

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: TX

Complaint narrative:
I am filing this complaint because all three credit bureaus ( Equifax, Experian, and TransUnion ) are reporting inconsistent, incorrect, and conflicting information about the same loan account from XXXX XXXX. These errors materially affect my credit profile and violate the requirement for furnishers to report accurate and consistent information under the FCRA ( Fair Credit Reporting Act ). 

Below is a summary of the inaccuracies, taken directly from my current credit reports : 1. The same loan is being reported with different names, balances, statuses, and dates across all three bureaus. 

Equifax Creditor Name : Friendly Loans Account Type : Installment Date Opened : XX/XX/XXXX Status : Charge-off Status Updated : XX/XX/XXXX Balance : {$160.00} Past Due : {$160.00} Last Payment Date : XX/XX/XXXX Comments : Charged off account Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Creditor Name : XXXX XXXX XXXXXXXX Account Type : Note Loan Date Opened : XX/XX/XXXX Status : Account charged off. {$100.00} written off. {$100.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$100.00} Past Due : {$100.00} Last Payment Date : XX/XX/XXXX No charge-off comment listed Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Creditor Name : XXXX XXXX  Account Type : Installment Date Opened : XX/XX/XXXX Status : Charged off as bad debt Status Updated : XX/XX/XXXX Balance : {$160.00} Past Due : {$160.00} Last Payment Date : XX/XX/XXXX Comments : Profit and loss writeoff Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Specific inaccuracies across reports Different creditor names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) appear for the same account. 
Different balances are being reported ( {$100.00} vs. {$160.00} ). 
Different past-due amounts ( {$100.00} vs. {$160.00} ). 
Different charge-off details and comments. 
Different status updated dates ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). 
Different addresses for the same creditor. 
Different last payment dates ( XX/XX/XXXX vs. XX/XX/XXXX ). 
Experian shows {$100.00} written off, while the other bureaus do not. 
Experian reports a Note Loan, while Equifax and TransUnion report Installment account. 
These inconsistent records make it impossible for this tradeline to be accurate.

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 2025-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Goal Structured Solutions, LLC
State: VA

Complaint narrative:
In XX/XX/year>, I finacned a solar installation through a loan originally issued by XXXX XXXX and now serviced through Launch Servicing. The solar installation was sold and arranged by XXXX XXXX. 

At the time of the sale, XXXX XXXX represented the system cost in a way that led me to believe the full price was standard for the market. I now know that the price I was financed for ( {$42000.00} for a XXXX system ) is more than 2.5x higher than the typical market cost for the same size system. I would not have agreed to the loan if the pricing had been accurately disclosed or explained. 

Industry-standard pricing in Virginia for residential solar systems of this size is roughly $ XXXX {$3.00} per watt, with the high end around {$4.00} per watt. My contract works out to {$5.00} per watt, which is {$16000.00} - {$20000.00} above normal market value. I recently discovered that another customer was quoted approximately {$18000.00} for a system comparable to mine. 

I contacted both XXXX XXXX and Launch Servicing requesting : Documentation showing how the system price was calculated, A breakdown of equipment, labor, financing add-ons, and dealer fees, Clarification on why my loan amount is more than double the normal market pricing, and A reassessment or adjustment of the finance amount. 

So far, I have not received a response. 

I have paid more that {$5000.00} towards this loan, but my balance still remains above {$41000.00}, which supports my concern that the original price was inflated and potentially predatory. 

I believe I was misled into accepting a loan based on confusing, incomplete, or deceptive loan disclosures and misrepresentation of the system 's actual price. I am requesting that the lender review the loan, investigate potential misrepresentation by the installer during the loan initiation process, and provide appropriate relief. 

I am requesting the CFPB to investigate potential misrepresentation, inflated dealer/contractor pricing, unfair loan origination, or deceptive marketing practices that resulted in me being financed for an extreme overcharge without informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Report shows : Charge-off, repossession, and past-due balance of {$10000.00}.

Reason for dispute : Information is inaccurate, incomplete, and requires verification or removal. 
XXXX XXXX XXXX Credit Card Report shows : Paid, closed with {$560.00} written off ( charge-off ). 
Reason for dispute : Reporting appears inconsistent and unverifiable. Please reinvestigate. 
XXXX XXXX Unsecured ( Account # JVCBXXXX ) Report shows : Charge-off with {$170.00} past due. 
Reason for dispute : Balance, dates, and reporting history are inconsistent. Please verify or delete. 
XXXX XXXX Unsecured ( Account # XXXX ) Report shows : Paid in settlement with {$67.00} written off. 
Reason for dispute : Account status and charge-off history appear inaccurate. 
XXXX XXXX XXXX Report shows a {$18000.00} collection. 
Reason for dispute : No validation of debt has been provided ; information XXXX be inaccurate or incomplete. 

These inquiries were not authorized or were inaccurately reported : XXXX XXXX NA XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> Reason for dispute : These inquiries were not authorized, and I request verification of permissibility under FCRA 604. If no written authorization exists, they must be removed. 

XXXX XXXX XXXX Report shows a {$640.00} collection.

Reason for dispute : Debt is unverified, and the information is inaccurate or incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Report shows : Charge-off, repossession, and past-due balance of {$10000.00}.

Reason for dispute : Information is inaccurate, incomplete, and requires verification or removal. 
XXXX XXXX XXXX Credit Card Report shows : Paid, closed with {$560.00} written off ( charge-off ). 
Reason for dispute : Reporting appears inconsistent and unverifiable. Please reinvestigate. 
XXXX XXXX Unsecured ( Account # JVCBXXXX ) Report shows : Charge-off with {$170.00} past due. 
Reason for dispute : Balance, dates, and reporting history are inconsistent. Please verify or delete. 
XXXX XXXX Unsecured ( Account # XXXX ) Report shows : Paid in settlement with {$67.00} written off. 
Reason for dispute : Account status and charge-off history appear inaccurate. 
XXXX XXXX XXXX Report shows a {$18000.00} collection. 
Reason for dispute : No validation of debt has been provided ; information XXXX be inaccurate or incomplete. 

These inquiries were not authorized or were inaccurately reported : XXXX XXXX NA XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> Reason for dispute : These inquiries were not authorized, and I request verification of permissibility under FCRA 604. If no written authorization exists, they must be removed. 

XXXX XXXX XXXX Report shows a {$640.00} collection.

Reason for dispute : Debt is unverified, and the information is inaccurate or incomplete.

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 2025-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial : Acct XXXX XXXXXXXX To Whom It May Concern, Ally Financial, allegedly sold my account to XXXX different collections agencies. I have yet to hear from either. Ally will not speak to me about my balance. Every time I call they give me a number that does not answer or they say that they sold my account back to Ally Financial. Ive tried to settle my account but Ally will not discuss my accoint with me and told me time and time again that, my account was sold, which means that they are not the lien holder on this debt any longer. They still have me as a collection account on the XXXX credit bureaus. Can you please delete, for inaccurate, and in correct information on my credit profile. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: MD

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-30 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: CA

Complaint narrative:
I am XXXX XXXX and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from my record.

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 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the interest charges that have been added to my Capital One credit card account following a payoff payment that was never properly credited. 

On XX/XX/year>, a payoff check was issued from XXXX XXXX  to Capital One. Unfortunately, the check was mailed to the wrong address. As soon as I realized this, I contacted Capital One to notify the company of the situation and to avoid any additional interest or late payment fees. 

Over the course of several calls with multiple Capital One representatives, I was repeatedly advised to wait until the payment posted and then call back to have the interest waived. When I called again, I was informed that approximately {$200.00} in interest had accrued prior to the payoff posting, and I was instructed to make this payment in order to proceed with the interest adjustment. I made this payment exactly as directed. 

During the time that payment was processing, an additional approximately {$110.00} in interest was charged to my account. When I called back, following the instructions given to me, Capital One refused to waive these chargesdespite the fact that I proactively reported the lost check, followed all instructions from your representatives, and have never made a late payment on this account. 

In total, I am now being charged roughly {$330.00} in interest on an account that has not been used in months and for which a payoff was attempted and communicated in good faith. I want to make clear that I have resolved identical situations with both XXXX and XXXX, and both institutions immediately waived these charges once notified. Capital One is the only creditor refusing to honor the representations made by its own agents and continuing to charge interest-on-interest despite prior notification of the mailed payoff. 

I respectfully request that Capital One waive all interest charges related to the lost check and the resulting delay ; and credit my account balance accordingly. 

I have acted in complete good faith throughout this process and simply expect Capital One to uphold the guidance and assurances provided by its employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
# * * TransUnion Dispute Unauthorized Address Reporting ( Urgent Removal Requested ) * * * * Subject : * * * Immediate Removal of Inaccurate Address Reported on My File * To Whom It May Concern : I am writing to file a formal dispute regarding an * * incorrect and unauthorized address * * appearing on my TransUnion credit report. 

My file currently shows an address located in XXXX XXXX XXXX XXXX XXXX XXXX, with a * * reported date of XX/XX/year>XXXX XXXX XXXX 
I want to make it absolutely clear that : * I have * * never lived at or been associated with this XXXX address * *, * I have * * no ties * * to that location, * And its appearance is * * false, concerning, and damaging * *. 

This inaccurate address is now showing up on * * employment background checks * *, creating potential harm to my professional standing and job opportunities. 

Under the * * Fair Credit Reporting Act ( FCRA ) * *, you are required to report only information that is accurate, verifiable, and related to the correct consumer. Since this address does * * not * * belong to me and can not be verified as mine, I am demanding its * * immediate deletion * * from my credit file. 

# # # * * Disputed Item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Reason : * * Not mine ; no association ; inaccurate and unauthorized. 

Please conduct an investigation and provide me with written confirmation once the address has been removed. If you require any identification to validate my identity, let me know immediately so this can be resolved without delay.

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