vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I paid XXXX XXXX back in XX/XX/year> - The credit company has refused to update and remove or updated. 

- XXXX XXXX Credit Card Account paid as Charge off in the amount of {$3200.00}. 

- XXXX - Paid in full {$2500.00} closed - Will need to be removed - XXXX XXXX XXXX  - Paid in full {$5000.00} Closed - Will need to be removed

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 2025-04-15 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX XXXX XXXX # XXXX -- - Opened : XX/XX/year> XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX- - Opened : XX/XX/year>

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 2025-04-15 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX XXXX XXXX # XXXX -- - Opened : XX/XX/year> XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX- - Opened : XX/XX/year>

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 2025-04-15 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 2025-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: MN

Complaint narrative:
Harris and Harris of XXXX  sent a letter stating they are trying to collect a debt for services from XXXX XXXX in the amount of {$2600.00} as of XXXX. I received this letter around the beginning of XX/XX/year> and requested debt validation on XX/XX/year> via their online portal. 

It is now XX/XX/XXXX and I have not heard anything from this company or received the debt validation requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-04-15 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 am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-15 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Wolf River Development Company
State: CO

Complaint narrative:
I took out a loan that was not very clear on the terms i was told it was XXXX and they would take out of my account for XXXX pay days which is XXXX weeks as i get paid weekly well my wife lost her job and i had paid the XXXX weeks when i went to check the status it said i owed 3 years and the interest was 400 % so my XXXX just turned into XXXX a week for 24 months but i did not agree to those terms they had changed them and said they had the right to change any term of the loan without notice. They tried to take double payment from my account and my bank locked the account and stopped all payments. I called them and tried to settle this as they got more than i borrowed in the XXXX weeks i agreed too, They got angry and hung up on me a month goes by and the lady who does pay roll for my company told me she just received a garnishment i was confused i never been served never seen a summons to court never got a letter in the mail to dispute this debt but she said it was a writ i had taken my payroll ladies word for it. A week goes by and my wife realized i was being garnished and we she did some request for transcripts from the courts they had nothing on this case because there was no case they lied and and lied to get my company to think it was a legal document and garnish me, my wife reached out to them and they explained they were above the law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I requested that the following be removed, I was told that they were unable to verify my identity and refused to give any additional information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1700.00} Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} Account XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MOHELA
State: PA

Complaint narrative:
Subject : Formal Complaint Against MOHELA for Violations of FERPA, FCRA, and Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against the XXXX XXXX XXXX XXXX XXXX ( MOHELA ) for violating my consumer rights, including those protected under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). MOHELA has compromised my personal and financial information in ways that are deeply concerning and unacceptable. 
Summary of Complaint : I have reason to believe that MOHELA has mishandled, disclosed, or failed to protect my private informationspecifically information that includes education records, Social Security number, loan account data, and/or credit-related detailswithout my proper authorization or in a manner not permitted under FERPA or FCRA.

Violations : FERPA Violations : - Unauthorized disclosure of personally identifiable information ( PII ) from my education records.

- Failure to provide access logs or notification regarding who accessed or shared my information.

- Transmission of information to third parties without my consent.

FCRA Violations : - Potential inaccurate or negligent reporting of credit information.

- Failure to safeguard my credit data or correct disputed entries in a timely manner.

Requested Action : Due to the severity of these violations and the risk posed to both my personal privacy and financial well-being, I respectfully request the full cancellation of my student loan with MOHELA. MOHELAs actions ( or inaction ) have created a breach of trust and failed to uphold obligations under federal laws protecting my data and financial rights.

I also request : - A full investigation by the CFPB into MOHELAs handling of my personal data.

- Identification of any unauthorized data sharing or breaches of confidentiality.

- Suspension of collection activity and correction of credit reports until the matter is resolved.

- Written confirmation of all findings and final resolution, including cancellation of the loan.

Thank you for your time and attention to this matter. I trust the CFPB will act in accordance with its mission to protect consumers from abusive financial practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
I contacted Loan Depot on XX/XX/year>, to get information on a refinance of my mortgage. I explained that I could not do anything until after XX/XX/year>, which was the day for my Chapter XXXX discharge to reach XXXX years, which is required for the loan. At that time, XXXX XXXX told me I was not required to wait and could do it now. I asked if he was sure, and he told me he contacted underwriting, and they approved the process. At that time, my wife and I agreed to begin the process. We were required to make XXXX payments, XXXX for the credit report of {$35.00} and the other for the appraisal of {$490.00}. Unfortunately, on XX/XX/XXXX, we were informed that underwriting requires us to wait for XXXX years, which is what I initially thought. However, because of the negligence of XXXX XXXX, the loan XXXX, who was very unresponsive, once we paid the money, we were told the money from the appraisal and the credit report would be refunded. The refund never came, and I called in again the week of XX/XX/XXXX, and I was told it would be requested again, and nothing has yet to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
I am writing to formally express my dissatisfaction and concern regarding the recent restriction placed on my account, which has prevented me from withdrawing funds to my wallet. 

On XX/XX/XXXX, I attempted to make a withdrawal from my Robinhood account and received a message indicating that my account had been restricted from withdrawing funds. This was incredibly frustrating, so I immediately contacted your customer service for clarification. However, when I called, I was not provided with a clear explanation for the restriction. 

During the call, I complied with their request for additional information, and was informed that my account was under review and that this process had been ongoing since the previous week. I was assured that the review would be completed by XX/XX/XXXX. However, as of yesterday, XX/XX/XXXX, my account remains restricted, and I am unable to access my funds. 

I find this situation unacceptable, especially considering that I have heard from other users experiencing similar issues who feel that their concerns are not being addressed. I have made it clear during my previous communication that I am prepared to report this matter to the appropriate authorities if it is not resolved promptly. 

Therefore, I kindly urge you to take immediate action for them to unlock my account and facilitate the refund of my funds. I hope for a swift resolution to this matter and look forward to your prompt response. 

Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-15 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-15 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: FL

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, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
XXXX XXXX of XXXX Va, has sent my debt to a debt collector Alduous & Associates and this is negatively impacted my credit and caused me hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
Aidvantage reported my account 90 days late, I called last month to get my payments lowered but I never received the application to do so, I called again last week and spoke to a representative and she helped me through the process. The downside to it is that by Aidvantage reporting my account as delinquent and it dropped my score on my credit report over XXXX points while I'm in the process of buying a house. That will indeed stop me from getting into a home and the representative told me that she couldn't remove the negative remark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Recovery Services, LLC
State: ID

Complaint narrative:
I have been sued by this company and am paying directly to law firm after losing my job to illness get sued me again since the garnishments stopped I am now receiving every month a debt collection letter from the recovery services of said law firm. I called them and they told me it was same bill dont worry about it but I am still receiving letters. I asked the law firm about this yesterday and she told me this is for debt from XXXX so Im totally confused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-15 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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