vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I sent XXXX XXXX XXXX  a dispute letter requesting information on this account. Original amount of of the loan to include my original signed contract, all payments made, and all late fees charged this company sent me a general letter. This company did not send this information only a copy, and total amount due. This response from the company did not meet the obligations of that debt dispute letter, this company was not supposed to move forward on the actions to include a collections on my credit or contact. This company filed a collections on my XXXX XXXX, and attempted to get another company that is associated with them to collect the debt as I received an email from them. To which I will be sending them a letter as well. This company violated the terms of the debt dispute letter, this company has history of fraudulent methods to collect debts.

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 2025-07-03 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this complaint against these XXXX debt collection companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & OUT for violating the Fair Debt Collection Practices Act ( FDCPA ) by failing to provide validation of an alleged debt after my written request, and continue to report the debt to credit bureaus despite a cease and desist letter. These actions have caused significant financial and emotional harm, and I seek your assistance in addressing these violations. 

On XX/XX/year>, I sent a written request to all XXXX companies for validation of an alleged debt, as permitted under FDCPA ( XXXX U.S.C. XXXX ). This request required the collector to cease collection activities and provide documentation verifying the debt amount and the original creditor within XXXX days. To date, none of these companies has provided the requested validation. 
Additionally, I sent a cease and desist letter, stating I will not pay, and demanding that all collection activities stop, as required under FDCPA ( XXXX U.S.C. XXXX ( c ) ). Despite this, all three companies have continued to report the disputed debt to credit bureaus, including XXXX 
XXXX and XXXX, for an extended period, which I estimate to be at least XXXX months from now. This ongoing reporting has damaged my XXXX XXXX and caused me considerable XXXX and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I am filing this complaint against these XXXX debt collection companies, XXXX XXXX XXXX  XXXX XXXX XXXX, AND FAIR COLLECTION & OUT for violating the Fair Debt Collection Practices Act ( FDCPA ) by failing to provide validation of an alleged debt after my written request, and continue to report the debt to credit bureaus despite a cease and desist letter. These actions have caused significant financial and emotional harm, and I seek your assistance in addressing these violations. 

On XX/XX/year>, I sent a written request to all XXXX companies for validation of an alleged debt, as permitted under FDCPA ( XXXX U.S.C. XXXX ). This request required the collector to cease collection activities and provide documentation verifying the debt amount and the original creditor within XXXX days. To date, none of these companies has provided the requested validation. 
Additionally, I sent a cease and desist letter, stating I will not pay, and demanding that all collection activities stop, as required under FDCPA ( XXXX U.S.C. XXXX ( c ) ). Despite this, all three companies have continued to report the disputed debt to credit bureaus, including XXXX. 
XXXX  and XXXX, for an extended period, which I estimate to be at least XXXX months from now. This ongoing reporting has damaged my XXXX XXXX and caused me considerable XXXX and financial hardship.

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 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
XXXX XXXX  i called and spoke to kia fianance regarding the past due amount i asked too speak with the allocation department regarding the amount owed the told me that they would provide a service contract but never did on XXXX I asked for a service contract which they had not provided. I believe kia is scamming I have asked XXXX payment and they say XXXX is the principal and XXXX is the interest this is not something that i agreed too and ive asked for proof for months now they have the vehicle

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 2025-07-03 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: IL

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is XXXX me out and making me XXXX. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This complaint is against XXXX XXXX XXXX XXXX. 

Received court order regarding debt owed in XXXX. Immediately reached out to XXXX & XXXX to pay the debt. I thought invaded already been paid through a debt reconciliation company. Explained the situation and gave them my debit card number. Was told everything was taken care of. Called back the following week before the court date to ensure everything was taken care of and told yes. I never heard anything else from XXXX & XXXX until I received a garnishment notice my from XXXX  on XX/XX/XXXX. Again, Immediately called XXXX XXXX XXXX and was told payment did not go through due to amount being over limit for single transaction on my card. Asked why I was never notified of this and not given an answer. At this point they tried to add an additional {$300.00} fee interest owed. After speaking with numerous people and them reviewing my record they agreed to removing that fee. Gave them my debit card again and called the bank to allow the charge. They waited several days to run my card, by which the over limit approval had expired. Again, no contact regarding this from XXXX XXXX XXXX. I found out when I contacted my employer asking if they had received the garnishment release. Again called XXXX & XXXX and this time paid by electronic check. Was told they would close my account and send garnishment release- this was on XX/XX/year>. I asked about when the amount garnished would be refunded and told within XXXX to XXXX weeks. Was notified by my employer again today that this check was also garnished and no release has been received as of XXXX. Again, I called XXXX & XXXX and was told the release was " in process '' XXXX should be released today, but he would escalate it. Again, asked about the XXXX garnishment and when that be refunded and was told it could take up to 90 days and would come from my employer. Previous XXXX & XXXX employee told me they would mail a check. I have been trying to take care of this dept since XXXX. I have not been garnished XXXX for a debt that has been paid in full. I would like to file a complaint against XXXX & XXXX and know if I have any legal recourse against them. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
I am a victim of identity theft. I have attempted multiple times to have the credit bureau to remove the inaccurate information from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
Several companies have accessed my credit report without my authorization, adversely affecting my credit and score. Despite assurances from a credit bureau representative that these unauthorized inquiries would be removed, they continue to appear. These potentially fraudulent entries raise serious concerns about identity theft and have caused undue stress and harm to my financial standing.

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 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX : # XXXX, has violated my rights.

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 2025-07-03 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$510.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-03 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-07-03 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: NY

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 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 2025-07-03 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-03 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX XXXX to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-03 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: FL

Complaint narrative:
I am writing to formally complain regarding Mohelas repeated delays in issuing my refund related to the overpayment on the forgiveness of my student loan under the Public Service Loan Forgiveness ( PSLF ) program, which was officially forgiven and granted on XX/XX/year>. 

Despite multiple communications with Mohela representatives, I have received conflicting and continuously shifting timelines for the refund. I have been told : XXXX business days Then an additional XXXX  days for holidays Then XXXX  days Most recently, a claim that the refund " was not submitted to the Treasury '' and I now must wait XXXX  days plus XXXX more.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and request assistance regarding inaccurate credit reporting by XX/XX/XXXX( Account # XXXX ) on my credit profile. 

I was approved for a forbearance period from XX/XX/year>, through XX/XX/year>, and during this time, my student loans were not in repayment status. Therefore, no late payments should have been reported for this period. However, my credit report currently reflects a late payment status, which is inaccurate and damaging. 

In support of my claim, I have attached a copy of my official forbearance approval letter, clearly stating the approved dates. According to the Fair Credit Reporting Act ( FCRA ) and guidance from the CFPB, furnishers must ensure the accuracy and integrity of the information they report. Reporting late payments during a valid forbearance period is a violation of this responsibility. 

I am requesting that the CFPB assist in having the credit reporting updated to reflect Paid as Agreed or Current during the approved forbearance period. This correction is essential for the accuracy of my credit report and financial standing. 

Thank you for your time and assistance. 

Sincerely, 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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I was going to cash 2 checks at PNC BANK and was told the amounts were to large to cash but if I opened an account it would only take 2 business days. I called customer service on my way home and was told next day availability. Now Im being told the funds will be held for a week. If I would have known that I would have just deposited the checks into my bank account not open another one. I call there customer service and keep being told there isnt anything they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: LA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-03 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 was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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