vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report that are significantly impacting my financial well-being. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act and expect a thorough investigation of these inaccuracies, as mandated by federal law. 

It is alarming to note that the Consumer Financial Protection Bureau ( CFPB ) has recently taken action against Experian, Equifax, and Transunion for their failure to conduct proper investigations into consumer disputes. The CFPB has described these practices as " sham investigations, '' highlighting systemic failures that not only undermine consumer trust but also result in wrongful credit reporting. Practices such as inadequate investigations, reinsertion of previously disputed and inaccurate information without proper explanation, and insufficient notification to consumers about the investigation outcomes are unacceptable. Such shortcomings raise serious concerns that my dispute may also be mishandled. 

Below, I have delineated the specific accounts listed on my credit report that I firmly believe are inaccurate and fraudulent : Accounts 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
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: MOHELA
State: TX

Complaint narrative:
I am struggling financially due to a federal student loan that I incurred while attending a college that provided little to no educational value. I did not gain any meaningful skills or knowledge from the program, and the institution failed to deliver the quality of education it advertised. 

This loan has become a burden that I can not afford, and I am now in a position where I am paying for a service that was never properly rendered. My intent in enrolling was to gain employable skills, but the curriculum was outdated, the instruction was substandard, and there was no real career support as promised. As a result, I am not in a better financial position, yet I am expected to repay a substantial debt.

This situation appears to align with the Borrower Defense to Repayment ( BDR ) provisions under 20 U.S.C. 1087e ( h ) and 34 C.F.R. 685.206 ( e ), which allow borrowers to seek loan discharge if the school misled them or engaged in misconduct. I believe I qualify under this standard, and I intend to formally pursue borrower defense relief if I haven't already.

Additionally, the college may have violated provisions of the Higher Education Act and engaged in unfair, deceptive, or abusive acts or practices ( UDAAPs ), which fall under the CFPBs jurisdiction under 12 U.S.C. 5531 and 5536.

My previous submission to the CFPB may have lacked detail or was submitted prematurely. This submission is intended to correct that and provide a more complete and accurate picture of the situation.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am struggling financially due to a federal student loan that I incurred while attending a college that provided little to no educational value. I did not gain any meaningful skills or knowledge from the program, and the institution failed to deliver the quality of education it advertised. 

This loan has become a burden that I can not afford, and I am now in a position where I am paying for a service that was never properly rendered. My intent in enrolling was to gain employable skills, but the curriculum was outdated, the instruction was substandard, and there was no real career support as promised. As a result, I am not in a better financial position, yet I am expected to repay a substantial debt. 

This situation appears to align with the Borrower Defense to Repayment ( BDR ) provisions under 20 U.S.C. 1087e ( h ) and 34 C.F.R. 685.206 ( e ), which allow borrowers to seek loan discharge if the school misled them or engaged in misconduct. I believe I qualify under this standard, and I intend to formally pursue borrower defense relief if I haven't already. 
Additionally, the college may have violated provisions of the Higher Education Act and engaged in unfair, deceptive, or abusive acts or practices ( UDAAPs ), which fall under the CFPBs jurisdiction under 12 U.S.C. 5531 and 5536.

My previous submission to the CFPB may have lacked detail or was submitted prematurely. This submission is intended to correct that and provide a more complete and accurate picture of the situation.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am struggling financially due to a federal student loan that I incurred while attending a college that provided little to no educational value. I did not gain any meaningful skills or knowledge from the program, and the institution failed to deliver the quality of education it advertised. 

This loan has become a burden that I can not afford, and I am now in a position where I am paying for a service that was never properly rendered. My intent in enrolling was to gain employable skills, but the curriculum was outdated, the instruction was substandard, and there was no real career support as promised. As a result, I am not in a better financial position, yet I am expected to repay a substantial debt.

This situation appears to align with the Borrower Defense to Repayment ( BDR ) provisions under 20 U.S.C. 1087e ( h ) and 34 C.F.R. 685.206 ( e ), which allow borrowers to seek loan discharge if the school misled them or engaged in misconduct. I believe I qualify under this standard, and I intend to formally pursue borrower defense relief if I haven't already.

Additionally, the college may have violated provisions of the Higher Education Act and engaged in unfair, deceptive, or abusive acts or practices ( UDAAPs ), which fall under the CFPBs jurisdiction under 12 U.S.C. 5531 and 5536.

My previous submission to the CFPB may have lacked detail or was submitted prematurely. This submission is intended to correct that and provide a more complete and accurate picture of the situation.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am struggling financially due to a federal student loan that I incurred while attending a college that provided little to no educational value. I did not gain any meaningful skills or knowledge from the program, and the institution failed to deliver the quality of education it advertised. 

This loan has become a burden that I can not afford, and I am now in a position where I am paying for a service that was never properly rendered. My intent in enrolling was to gain employable skills, but the curriculum was outdated, the instruction was substandard, and there was no real career support as promised. As a result, I am not in a better financial position, yet I am expected to repay a substantial debt. 

This situation appears to align with the Borrower Defense to Repayment ( BDR ) provisions under 20 U.S.C. 1087e ( h ) and 34 C.F.R. 685.206 ( e ), which allow borrowers to seek loan discharge if the school misled them or engaged in misconduct. I believe I qualify under this standard, and I intend to formally pursue borrower defense relief if I haven't already.

Additionally, the college may have violated provisions of the Higher Education Act and engaged in unfair, deceptive, or abusive acts o
r practices ( UDAAPs ), which fall under the CFPBs jurisdiction under 12 U.S.C. 5531 and 5536.

My previous submission to the CFPB may have lacked detail or was submitted prematurely. This submission is intended to correct that and provide a more complete and accurate picture of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: FL

Complaint narrative:
I was checking my credit report and found this that I don't recognize. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: GA

Complaint narrative:
POSSIBLE FINANCIAL INC is falsely reporting on my credit. I have never had any accounts with them. Per my research POSSIBLE FINANCIAL INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: KY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX Balance : {$5800.00} Last activity XX/XX/XXXX, Late 30 days XXXX XXXX, 60 days late XXXX XXXX XXXX, 90 days late XXXX XXXX and 120 days late XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Balance {$19000.00} Last activity XX/XX/XXXX, Late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Last activity XX/XX/XXXX, Late 60 days XX/XX/XXXX and XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: EQUIFAX, INC.
State: KY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX Balance : {$5800.00} Last activity XX/XX/XXXX, Late 30 days XXXX XXXX, 60 days late XXXX XXXX XXXX, 90 days late XXXX XXXX and 120 days late XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Balance {$19000.00} Last activity XX/XX/XXXX, Late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Last activity XX/XX/XXXX, Late 60 days XX/XX/XXXX and XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
I sent money to my friend Sunday at XXXX XXXX, the amount is XXXX $ the money went to wrong people I requested the money they never give it to me. I want the company contact the scammer get the full refund please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I keep receiving multiple calls and now from different numbers and when I try to return calls .. THE NUMBERS they called from are no longer listed!! I asked if I paid if they could take it off my credit report and was literally LAUGHED AT! Now I wont pay and think Im being scammed! But as of today am still receiving calls, I purposely call back and the number doesnt work!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX XXXX XXXX regarding an account I have with them XXXXXXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$690.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX XXXX XXXX buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Banking errors related to billing and reporting are negatively impacting my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately apply payments and reflect correct account information. However, payments I made were not properly recorded, and there are evident calculation discrepancies in the reported balances. Furthermore, I was not given the mandated 21-day notice prior to a payment due date, rendering any late payment entries invalid. 

These issues constitute a violation of federal law and are unjustly damaging my credit profile.

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 2025-07-04 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: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-07-04 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: GA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: PA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year>, I filed an emergency motion in the XXXX XXXX XXXX XXXX XXXX requesting an immediate hearing. This hearing is necessary to address a filed injunction and a disqualification motion targeting Capital One 's legal team. The urgency stems from the ongoing harm caused by Capital Ones AI-based account restriction systems, which continue to operate and potentially harm consumers. The legal team has also been accused of procedural misconduct and conflicts of interest. The emergency motion was served in person to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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