vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: AZ

Complaint narrative:
I took out a line of credit with CreditFresh ( through XXXX XXXXXXXX XXXX ) that never exceeded {$3000.00}. Since XX/XX/XXXX, I have made XXXX payments : XX/XX/XXXX {$210.00} XX/XX/XXXX {$350.00} XX/XX/XXXX {$420.00} XX/XX/XXXX {$420.00} I have paid a total of {$1400.00}, yet my current loan balance is still over {$3200.00}. This means nearly all of my payments have gone toward billing cycle charges rather than the principal balance. Only a tiny fractionless than {$60.00} per paymentgoes toward the loan itself. 

The billing statement I received from CreditFresh shows that in XXXX month, {$360.00} of my {$410.00} payment went to a billing cycle charge, and only {$57.00} went to principal. Their Truth in Lending DisclosurXXXX confirms this is how all payments are structured. They also admit there is no grace period, and they apply all payments to fees first, not the loan. 

This repayment structure is designed to trap borrowers in a cycle of debt. It resembles interest-only lending, but disguised through excessive fees to evade usury laws. Despite making substantial payments over several months, I am worse off financiallyowing more than I borrowed. 

I have formally disputed this with CreditFresh and requested a full accounting of how my payments have been applied. I am asking the CFPB to investigate their lending practices, as I believe this qualifies as predatory lending. It violates the spirit of fair lending, creates economic harm, and appears to be structured to prevent repayment. 

I am requesting relief, regulatory review, and enforcement if appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
This complaint is against the XXXX XXXX regarding account XXXX. I sent a dispute to the collection agency, and they said they would remove this account, but I am still seeing it on my credit report. I also sent a dispute letter to the XXXX XXXXXXXX  in XXXX informing them of this and they still failed to remove this account. The company sent me correspondence XX/XX/year>2025, which was forwarded so I'm confused as to why this account is still reporting. Attached is the letter from XXXX XXXX XXXX. I am demanding that this account is removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I rented an apartment from XXXX XXXX when I asked i was told the the apartment is an upgraded on and also I was told to pay deposit before the apartment can be shown to after I saw it I requested for the cabinet to be fixed in which they told me that if I decline the apartment my deposit will be partially return and after XXXX day I notice my kitchen sink was not draining water properly I informed the apartment management they blaming me for that and since then the lady have started given me an attitude and fire place was patched with cement you can see in the pic attached also cockroaches everywhere I ask for final inspection in was told that I should drop the key after many months I got a call from collection about the $ XXXX and I went to the office she treating to call police on me I have been treated and unfair... attached the cabinet picture of upgraded apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FISERV FINXACT CORE
State: TX

Complaint narrative:
To whom it may concern, I am writing to dispute the reversal of a chargeback case that was originally decided in my favor. I own a XXXX XXXX where a customer made a purchase using a XXXX credit card. The customer later filed a chargeback claiming the product was not satisfactory. However, she signed a waiver confirming our no refund policy, which is also printed on the receipt and displayed at XXXX XXXX of sale. 

In addition, the product she purchased has a lifetime warranty from the manufacturer, and we even offered to replace it for her despite the waiver and the clear policy. We submitted all supporting documents, including the signed waiver, the receipt, and proof that the product was delivered and not defective. 

Despite all this, the chargeback was reversed weeks later without clear explanation. I contacted the payment processor and was told that the decision is final. This reversal is unjust and harmful to XXXX XXXX XXXX like myself who act in good faith and follow the rules. 

I kindly request that this case be re-examined and that the funds be returned to my business. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: LA

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. I told Experian, Transunion, and Equifax to reinvestigate these accounts : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to delete accounts that aren't reporting correctly. i dont even have a contract with them!.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: LA

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. I told Experian, Transunion, and Equifax to reinvestigate these accounts : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to delete accounts that aren't reporting correctly. i dont even have a contract with them!.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
To whom it XXXX concern please investigate : Company : XXXX XXXX XXXX XXXX 
Debt Collector / Attorney : Hunt & Henriques, XXXX Account/Case : XXXX XXXX XXXX XXXX # XXXX Summary of Complaint I am filing a complaint against XXXX XXXX XXXX XXXX and Hunt & Henriques , LLP regarding the collection of an alleged debt and violations of my consumer rights. 

XXXX has been involved in past litigation related to the Telephone Consumer Protection Act ( TCPA ), Fair Credit Reporting Act ( FCRA ), and arbitration practices that limit consumer protections. Specifically, there have been findings that XXXX has willfully violated consumer protection laws and used arbitration clauses in ways that restrict fair resolution. 

Hunt & Henriques, LLP is the attorney debt collector representing XXXX in this matter. This law firm has been subject to class action lawsuits for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the California Rosenthal Fair Debt Collection Practices Act, including abusive, deceptive, and unfair debt collection practices. 

I have disputed this alleged debt and invoked my right to arbitration under the card agreement. Despite this, I continue to receive collection letters, threats of litigation, and pressure to pay a debt that I have challenged. I have not received full validation of the debt or a good faith pause in collection activity while my dispute and arbitration election are pending. 

Importantly, this complaint is focused on requesting the CFPBs investigation into ongoing consumer protection violations, not on intervening in my separate court case. I have been forced to seek legal remedies in court, including filing motions to challenge improper judgments, because of these continued violations. 

Details of Harm / Unfair Practices - Failure to properly validate the debt - Attempting to collect during an active dispute - Ignoring arbitration rights under the card agreement - Aggressive collection tactics and legal threats - Lack of transparency regarding assignment of the debt - Failure to comply with FDCPA and Rosenthal Act protections Please investigate, they dismiss consumer rights : -Stop collection effort from other accounts of junk debt purchased without legal standing and evidence. 
- Immediately cease and desist collection efforts- Respect my election of arbitration and withdraw any legal threats - Provide complete documentation validating the debt and chain of assignment, FFA - Ensure compliance with FDCPA, FCRA, TCPA, Rosenthal Act, and related laws - CFPB investigation and regulatory oversight of both XXXX and Hunt & Henriques.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I do not recognize this inquiry in my credit report. Wells Fargo Auto XXXX XXXX,2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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 Systems,Inc.
State: TN

Complaint narrative:
I mailed a certified debt validation letter to the address listed on my credit report for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ), but XXXX returned it as undeliverable. This raises serious concerns about the accuracy and legitimacy of the information they are furnishing to the credit bureaus. TransUnion lists a completely different address ( XXXX XXXX XXXX XXXX, XXXX XXXX ), showing inconsistent and unreliable reporting. This violates the Fair Credit Reporting Act ( FCRA ). No documentation has been provided to validate this debt. I request deletion of the account from all credit reports if it can not be verified with accurate and complete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
Under 15 U.S.C. XXXXb, creditors who provide a grace period must ensure that periodic statements are mailed or delivered at least XXXX days before the payment due date before assessing any late fee or reporting the payment as delinquent. I request that you provide documented proof that. 

Account Status : Open XXXX XX/XX/year> Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: MT

Complaint narrative:
XX/XX/XXXX - Received a written notice about a debt owed to " XXXX XXXX XXXX '' XX/XX/XXXX - Called and sent email to collection agency letting them know it was not my debt XXXX - Received requested validation of debt with notification that they will not stop collections activities. Validation of debt received has detailed information regarding the person owning the debt. The social security number on said validation is not mine ( because the debt isn't mine ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: NY

Complaint narrative:
At your request, Experian is a bill, driver 's license, birth Cert, social security card, and an FTC report and information showing I have part of the XXXX and XXXX breach. 

Please resolve this asap thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I discovered a fraudulent account on my credit report that I did not authorize. This account was not opened by me and appears to be the result of identity theft. 

The fraudulent account includes : XXXX XXXX Credit Card Opened on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
In XX/XX/XXXX, I discovered a fraudulent account on my credit report that I did not authorize. This account was not opened by me and appears to be the result of identity theft. 

The fraudulent account includes : XXXX XXXX Credit Card Opened on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize these fraudulent inquiries at all. 
XXXX XXXX XXXX Inquiry date Removal date XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX Inquiry date Removal date XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX  Inquiry date Removal date XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry date Removal date 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 non-monetary relief
Consumer complaint received 2025-05-04 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: WI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by XXXX U.S.C. XXXX ( a ). I became aware of the breach of my personal information through the XXXX XXXX XXXX, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX Inquiries XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: EdFinancial Services
State: NY

Complaint narrative:
The only option that were offered were to either put, my loans into forbearance or deferment. While these were accessible early on as a payment option, interest on each loan continued to accumulate, which placed me in a difficult position when payments resumed. If I lowered my monthly payments, the interest alone would negate any payments made and would continue accumulate and extending the time needed to payoff the total amount owed. If that were to happen it would inevitably increase the total interest per loan over time, snowballing into a greater total sum. 

After XXXX years of making payments on a {$16000.00} loan ( XXXX subsidized & XXXX unsubsidized ) from XX/XX/XXXX to XXXX, I still have a balance of {$15000.00} and I see no way of paying this off by estimated payoff date of XXXX. If I were to increase monthly payments, I would not be able to afford my bills, day to day necessities, food, and transportation to and from work. All available options offered to me would extend the period of time needed to payoff the loans and increase the amounts necessary to pay it off. 

Many student loans borrowers, including myself, do not qualified for Public Service Loan Forgiveness ( PSLF ) or Teacher Loan Forgiveness ( TLF ). We took on these loans at a young age, assuming that by graduation we would have secured jobs that could support both student debt repayment and basic living expenses. However, I feel mislead by loan servicers due to lack of information provided about compounding interest, inflation, and stagnant wages all of which make monthly repayment an unrealistic expectation. 

These financial hardships are not only limited to public servants. Today 's economy is made up of, but not limited to contract works, freelancers, and home aides all of whom contribute significantly to society. While I fully support loan forgiveness for public servants, I also believe that this benefit should be offered to those who do not qualify under ( PSLF or TLF ). Millions of borrowers across various professions are buried under unmanageable student debt and continue to struggle financially not because of irresponsibility, but because they were denied a chance at financial stability simply due to not having the right job title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TN

Complaint narrative:
I received a letter from XXXX XXXX Bank in XXXX telling me that effective XX/XX/year> I would no longer be able to draw funds from my HELOC Account and based it upon my Equifax Credit Report that they refered to and said I had a credit score of XXXX on XX/XX/year>. I went to the XXXX XXXX Bank located at XXXX XXXX XXXX XXXX. XXXX, TN XXXX. I talked to XXXX of the employees who checked with her XXXX and I was told the paper was right and there was nothing I could do about it. I then went to my savings account at another bank and withdrew the amount needed to pay my HELOC off and returned to XXXX XXXX Bank and paid the balance off. I was told by the bank XXXX that she would ask for clarification as to what was going on with my account. I contacted Equifax and got a copy of my Credit Score. It was not a XXXX it was actually a XXXX credit score. The only thing on my credit report that was questionable was a collections report for medical bills for {$1900.00} and {$580.00} filed on XX/XX/year>. I asked the Bank XXXX to look into this and find out why they had stopped me from being able to draw funds form my HELOC. She emailed someone asking for clarification. On XX/XX/year> I was called by her assistant and told I was unable to use my account anymore due to the unpaid medical bills.

Company response to consumer: Closed with non-monetary relief