vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
THIS IS A FRAUDULENT ACCOUNT AND IS NOT ASSOCIATED WITH 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 2025-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
My loans have been shuffled between XXXX  XXXX into several different statuses that were very hard to understand. I called to speak to customer service on several occasions and ended up putting my loans into forbearance. My repayment options were never clear and the amounts changed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has been reported in error and must be deleted immediately. I never authorized it. Verification documents are included.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
There are four charges two from XXXX one for XXXX and the other for XXXX and there two charges for XXXX & XXXX in XXXX total XXXX un authorized charges the merch had sent in credit card slip which clearly states card not present and there is no signature of mine and the merchant has never responded to my request for sending me any invoice I had requested three time via certified mail but the merchant has failed to respond and my credit card company Citi bank without any valid authorization is siding with the company this is extremely elderly financial abuse Im XXXX  years age and they are putting me in the very stressful 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 2025-10-17 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-17 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LendingPoint Holdings LLC
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to report unfair and inadequate treatment I have received from XXXX XXXX XXXX, which resulted in an inaccurate and harmful collection entry on my credit report. 

In XX/XX/XXXX, I began making consistent payments of {$20.00} toward my account with XXXX XXXX XXXX. After securing a better job in XX/XX/XXXX, I increased my payments to {$160.00} to continue reducing my debt responsibly. However, shortly after that payment, the company suddenly stopped processing my payments without any explanation. 

Despite my repeated efforts to contact XXXX XXXX XXXX through multiple phone calls and messages, I never received any response or notification about my account being reported to collections. I was not contacted by mail, email, or phone, even though the company has my correct address, email, and phone number on file. 

I only became aware of the collection entry when my bank notified me and provided me with XXXX XXXX XXXX contact information. When I called the company on Monday, XX/XX/XXXX, to discuss the issue, the representative blamed me for not receiving notifications and was dismissive of my concerns. During that call, I was threatened with legal action if I refused to pay, even though I had been making good-faith payments and had never been informed of any collection action beforehand. 

This situation has caused me significant emotional distress and has seriously damaged my credit, despite my consistent efforts to manage my financial obligations responsibly. I have always done my best to maintain communication with my lenders and keep my accounts in good standing. 

I am respectfully requesting that the Consumer Financial Protection Bureau investigate this matter and assist in having this unfair and inaccurate collection entry removed from my credit report. I believe I was treated unjustly and denied fair communication before adverse action was taken against me. 

Thank you for your time, understanding, and assistance in helping me resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I have a credit card with HSBC since XXXX and never had to paid an annual fee. Now this year XXXX they are charging me {$95.00} with no change in benefits and no previous communication. They don't offer a lower benefits card with no annual fee, like any other decent company, so I could switch to not avoid this fee. 
Since this is my oldest card I can't cancel without hitting my credit history. In another words I am trapped by them and I have to pay this fee with no real benefits. 
I receive my salary in their checking account but not even this is enough apparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
CAINE and WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE and WEINER 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
THIS ENTRY DOES NOT REFLECT AN AUTHORIZED CREDIT REQUEST

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 2025-10-17 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 noticed that unauthorized inquiries are still appearing on my credit report today, and I have no explanation for why. Even after refreshing my browser, the unauthorized inquiries were not removed. I am extremely frustrated and insist that the documents I have sent be reviewed carefully so that I never have to deal with this worry again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
Ive always paid on time, and I ask that this be updated to reflect my accurate history. This inaccuracy is unacceptable.

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 2025-10-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CT

Complaint narrative:
Jefferson Capital Systems , LLC is reporting a collection account for an alleged XXXX ( XXXX ) balance of approximately {$730.00}. 

I requested validation of this debt in writing under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). XXXX XXXX responded on XX/XX/year>, but their response did not include the required documentation to establish the debt as valid or prove ownership. 

Their response contained only a XXXX billing statement. They failed to provide : A bill of sale or assignment from XXXX proving they own or have the right to collect this specific account. 
A complete accounting of how the alleged balance was calculated ( principal, interest, fees, or credits ). 
Any signed agreement showing I am contractually responsible for this balance. 

Despite this, Jefferson Capital is reporting themselves as both the Original Creditor and Current Creditor on my credit reports. This is false and misleading, since XXXX ( XXXX ) is the true original creditor. 

By doing so, Jefferson Capital is violating : FDCPA 1692e ( 2 ) ( A ) false representation of the character, amount, or legal status of a debt.

FDCPA 1692e ( 10 ) use of deceptive means to collect or report a debt.

FCRA 1681s-2 ( b ) failure to furnish accurate information to the credit bureaus after notice of dispute. 

This misrepresentation and insufficient validation have caused inaccurate data to appear on my credit reports, negatively affecting my creditworthiness and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
A Partial Refund Was Processed To Me Via PayPal From A XXXX Seller, Shortly After Receiving The PayPal Payment I Received A Email Saying My Account Was Closed, I Called PayPal Trying To See Why The Account Was Closed & How Do I Access The Money That Was Sent To Me. The Operator Told It Since The Account Was Closed She Cant Pull it Up, Therefore It Was Nothing She Can Do to Help Me Access The money That Was Sent to Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: DC

Complaint narrative:
Shortly after midnight today I received several emails from US Bank confirming I applied for and was approved to open a savings account. I never made this application. 

I called their customer support line ( which I verified on XXXX ) and the agent was adamant that I provide my full social security number. I did not feel comfortable doing this and declined to provide this information. I had the application number from the email but she said this was not enough information for her to view the account. She said there was no way for her to resolve this issue unless I provided my full social security number.

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 2025-10-17 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: NY

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit 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 2025-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
Sending a XXXX  file with debt info via XXXX  with no contact via email or postal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please follow the regulations under 15 U.S. Code 1681g and remove the disputed accounts accordingly.

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 2025-10-17 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC XXXXb. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
XXXX BMW in XXXXXXXX XXXX  had contacted in reference to the XXXX lease i inquired about and XXXX XXXX was extremely helpful and so was XXXX the manager i explained my circumstances regarding my current situation and knew i had low score but unfortunately credit karma always gives inaccurate information regarding credit information and since helping my mother with bills up until her passing in XX/XX/year> i had Shakey credit i was very clear in my situation but i asked my sister in law who has a credit score of XXXX plus to cosign on new lease to get me started over a hurdle to start my rebuilding process since i sold my house in XX/XX/year> my income is beyond sufficient {$10000.00} a month between both jobs i feel BMW financial had given the circumstances or defined anywhere minimum score required but that being said i was aware and ask XXXX for assistance and she agreed but due unfair deceptive BMW denied my lease application for unfair practice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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 personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
THE REPORTED DATA DOES NOT MATCH MY ACTUAL PAYMENT RECORD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am filing this complaint against the national credit reporting agencies XXXX XXXX XXXX XXXX  for failing to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA 611 ) and for continuing to report inaccurate late-payment history regarding my federal student loans. 

In XX/XX/year>, I formally disputed inaccurate late-payment reporting related to my Department of Education student loans. The reporting reflected XXXX and XXXX delinquencies without a preceding XXXX delinquency, which violates the Metro 2 Credit Reporting Resource Guides required delinquency progression and renders the information technically and factually inaccurate under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). 

Each bureau received my dispute and supporting documentation by certified mail. Despite this, they verified the information as accurate without correcting the delinquency sequence or providing documentation showing how the reporting was validated. This constitutes a failure to perform a reasonable reinvestigation.

Additionally, none of the credit bureaus marked the account as consumer disputes this account, which is a further violation of FCRA 623 ( a ) ( 3 ). As a result, my credit history continues to reflect false and misleading payment data that damages my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TN

Complaint narrative:
I am writing to dispute the accuracy and validity of the account information listed below that appears on my Experian credit report. Due to a data breach and potential compromise of my personal information, I have reason to believe this account may have been affected or reported inaccurately. 
Account Information : Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/year> 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 2025-10-17 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: NY

Complaint narrative:
I am extremely frustrated that the unauthorized inquiries are still listed on my credit report this morning. Refreshing my browser did nothing to remove them. I need this issue fixed right away and want the documents I provided to be examined properly so I can stop worrying about this ongoing problem.

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 2025-10-17 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: NY

Complaint narrative:
I am extremely frustrated that the unauthorized inquiries are still listed on my credit report this morning. Refreshing my browser did nothing to remove them. I need this issue fixed right away and want the documents I provided to be examined properly so I can stop worrying about this ongoing problem.

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