vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
Despite my explicit and repeated statements, Aqua Finance , Inc. continues to engage in conduct that violates my privacy and rights under California law.

The core issue is as follows : Aqua Finance , Inc. routinely attempts to record its phone calls. I live in California, an " all-party consent '' state for recording confidential communications. On numerous occasions, when an agent from Aqua Finance , Inc. calls me and informs me the call is being recorded, I have clearly and unequivocally stated, " I do not consent to this call being recorded. '' Despite my refusal, Aqua Finance , Inc. continues to call me repeatedly. My denial of consent for recording is not a one-time event ; I have stated it on multiple calls.

Furthermore, a particularly concerning pattern has emerged : Aqua Finance , Inc. will call me.

An agent will state the call is being recorded.

I will immediately respond that I do not consent to any recording.

The agent will abruptly hang up the phone without saying another word.

Here is a partial log of these calls from Aqua Finance , Inc. : XX/XX/year> : Missed call at XXXXXXXX XXXX and again at XXXX XXXX XX/XX/year> : Call lasting 13 seconds XX/XX/year> : Call lasting 9 seconds XX/XX/year> : Missed call XX/XX/year> : Call lasting 51 seconds XX/XX/year> : Call lasting 7 seconds The extremely short duration of these connected calls ( e.g., 13, 9, and 7 seconds ) strongly suggests that the call was terminated immediately after I informed the agent that I do not consent to any recordings. On some of these calls, I specifically advised the agent to contact me via postal mail if they wished to communicate.

This behavior strongly suggests that Aqua Finance , Inc. is fully aware of my refusal to be recorded, yet they continue to initiate recorded calls. Their immediate hang-up indicates they have no intention of communicating with me unless I submit to their recording, effectively holding any discussion hostage to my waiver of privacy rights. If Aqua Finance , Inc. wishes to deny any of these allegations, they should be in possession of their own call recordings which will verify my statements.

Each time Aqua Finance , Inc. calls and begins recording without my consent ( or continues to call with the intent to record after I have already refused ), they are in violation of the California Invasion of Privacy Act ( CIPA ), specifically California Penal Code 632.

This relentless stream of calls, combined with their refusal to communicate without recording, feels harassing and is a clear attempt to steamroll my legal rights.

I demand that Aqua Finance , Inc. cease this illegal practice immediately. I am requesting the CFPB to investigate this matter, hold Aqua Finance , Inc. accountable for these violations, and instruct them to stop all recorded calls to my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Yes I was serve a debt collection by spring oak capital for card I know nothing of I was victim of XXXX XXXX breach and have letter prove it I never got this card they serve me with no proof of purchase nor what just old bill I have. Or signed contract with this company at all with original card nor them I have never applied for a card .Spring Capital never call me and I never applied for this card. I have seen there was emails done but in email account not my primary account at all its a junk email account for spam emails so I know this was not me please. Claim owe XXXX in XXXX amount of account claim paid bill but check not me at all so I was not me to sign up for this card nor paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: DailyPay, Inc
State: GA

Complaint narrative:
So DailyPay company owns me more from my take home pay this week and they had miscalculated my transfers and takeout wrong because it was supposed to be {$400.00} however they gave me a wrong amount and I know Im supposed to earn more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: Nelnet, Inc.
State: TX

Complaint narrative:
Under 15 U.S.C. 1681c-2 ( a ), you are required to block these fraudulent accounts within XXXX ( XXXX ) business days of receiving this request. If you are unable to verify these accounts as legitimate, they must be permanently removed from my credit file. 

Please provide written confirmation that these accounts have been blocked. Failure to comply with my request will result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-31 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: IN

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-31 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: FL

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 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 explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Care Credit reported me as having late payments for making payments XXXX  days early. I did not know they had turned me in until I had my credit report pulled for a recent loan. I argued this case with them before that I had never made late payments always early and monthly until the loan was paid off. XXXX  they tried to charge me late fees but never bothered to tell me their billing cycle started on the XXXX th day of the month. Once they took the late fee off for making payments on the XXXX of the month instead of the XXXX th I do not think they should have turned me into collections when I made my payments XXXX  days early every month until I finally got mad when I kept seeing late fees but charges occurring. No where when I applied for care credit did they say I could not make a payment XXXX days early. I was told the payment was due by the XXXX  week of the month period so I never wanted to make a single payment late. I was never told originally when their billing cycle started nor was I told originally a XXXX  days early early payment was considered a late payment. I want this stricken from my credit report! XXXX  have bank statements to prove payments were made every month and never late.

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 2025-10-31 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: IN

Complaint narrative:
b'I sent a certified letter to Experian on XXXX with tracking #XXXX XXXX XXXX XXXX XXXX XXXX  it shows the delivery date of XXXX   at XXXX XXXX in XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: \n XXXX XXXX - XXXX  (ACCOUNT # XXXX)\n XXXX - XXXX (ACCOUNT # XXXX)\n\nExperian failed to respond. I sent another letter on XXXX which they failed to respond once again.'

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 2025-10-31 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: M&T BANK CORPORATION
State: TX

Complaint narrative:
Under 15 U.S.C. 1681c-2 ( a ), you are required to block these fraudulent accounts within XXXX ( XXXX ) business days of receiving this request. If you are unable to verify these accounts as legitimate, they must be permanently removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: EQUIFAX, INC.
State: AR

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within XXXX  days of receiving the dispute. 

It has been over XXXX  days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
In early XXXX of this year, I was persuaded by two different USAA customer service representatives to open a new credit card under misleading information. I was explicitly informed that by opening the new card, I would be able to transfer the existing balance from my current USAA credit card to the new one, with a promotional period of XXXX interest for several months. 
After opening the new credit card, I attempted to complete the balance transfer as instructed, only to be informed that internal balance transfers within the same account are not permitted. This directly contradicts what I was told by both representatives prior to opening the account. As a result, my credit score was negatively impacted due to the new account opening, and I am now left with an unnecessary credit card that can not be used for the purpose I was led to believe it would serve. 
I contacted USAA Customer Service immediately to explain the situation, but I was informed that no corrective action could be taken. When I requested access to the recorded phone calls from the time of the credit card application to verify the misinformation I received, my request was denied. 
I believe I was misled and pressured into opening this new account based on inaccurate and deceptive information provided by USAA representatives.

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 monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I noticed that MRS BPO LLC reported a {$320.00} collection account on my XXXX  credit report, listing XXXX  as the original creditor. I do not owe this debt and have no record of having any account with XXXX.

I contacted MRS BPO LLC to request validation of this debt, including proof of the original account, contract, and billing statements, but they did not provide any documentation to show that the debt is mine. Despite my request, the company continues to report this information to XXXX, which is negatively affecting my credit. 

I am requesting that the CFPB review this matter and require the company to either provide full verification of the debt or remove the inaccurate collection account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I need you to go over this ; it came in late and might be off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
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 explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX INQUIRIES : 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 2025-10-31 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: VA

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 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 2025-10-31 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: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation