vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Complaint Title : Willful violation of Cease & Desist order and misleading response Prior CFPB Complaint XXXX : # XXXX ( XX/XX/year> ) # XXXX ( XX/XX/year> ) I am now filing a third complaint against Midland Credit Management for continued illegal contact and failure to acknowledge their violation of the FDCPA. 

Midland previously confirmed that my account was marked Cease and Desist and stated they would not contact me again unless required by law. Yet on XX/XX/year>, they called me from ( XXXX ) XXXX and had their agent XXXX attempt to verify my address to notify me of a lawsuit. 

In their most recent CFPB response ( XX/XX/year> ), they did not deny this call occurred. They attached their XXXX response again, offered no proof that this call was required by law, and failed to take accountability. 

This is now a willful and repeated violation of : FDCPA 1692c ( c ) ( Cease contact ) FDCPA 1692e ( False/misleading communication about a lawsuit ) I am demanding : Full investigation and sanctions for repeated violation Deletion of all personal data held by Midland Formal confirmation of no pending lawsuit Final and permanent written confirmation that all contact will cease

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
card XXXX opened without my consent while XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I made my XX/XX/2024 Payment, They cashed the payment but will not give me credit for the payment. They keep harassing me for the payment. I have submitted my bank statement and proof of payment 3 or 4 times. Nothing is being done to resolve my issue.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MI

Complaint narrative:
I submitted my PSLF buyback application on XX/XX/year>. Case # XXXX. I was told by federal student aid .gov that it will take 45-90 business days. After the 90 business days passed I followed up again every week and they have no status update or expected processing dates. All they provide is that im in review. I filled a complaint with student aid.gov and the response was of no help or status of processing time. Feedback case # XXXX. XXXX  doesnt answer the phone when calling customer service. I believe the department is illegally refusing to process pslf applications due to trump administration.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-10 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 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I applied for a PayPal XXXX XXXX  installment loan and was denied. The denial notice listed reasons that are completely inaccurate and misleading. The letter claimed : That I had a proportion of declined payments on previous XXXX XXXX XXXX  loans, That I had an insufficient proportion of successful payments made in the last 3 months, And that the length of time my PayPal account has been open was insufficient. These justifications are factually incorrect and deceptive for the following reasons : 1. I have neve
r used PayPals XXXXXXXX XXXX XXXX service before. There is no record of me ever having taken out a XXXXXXXX XXXX XXXX loan, so there is no valid basis for stating that I have a proportion of declined payments. This is a completely false statement and reflects serious f

laws in PayPals decision-making process and internal data. 2. My PayPal account has been open s
ince XX/XX/XXXX, XXXXalmost one full yearyet the denial cites the accounts age as a reason for rejection. This is inconsistent with responsible lending practices and raises questions about how PayPal evaluates its users.

3. I also maintain a solid record of successful payments through my PayPal account overall. I was not given any opportunity to appeal this automated and seemingly arbitrary denial.

PayPals explanation lacks both transparency and accuracy, and their proprietary scoring model appears to be generating false and damaging assessments of users financial behavior. Furthermore, I was not provided with any clear recourse to dispute the denial or have my application reviewed manually. 

I am requesting that the CFPB investigate PayPals XXXXXXXX XXXX XXXX underwriting and risk evaluation process, especially how inaccurate data is being used to deny qualified applicants. I am also requesting that my application be re-reviewed using accurate and verified information, and that PayPal be held accountable for issuing denials based on nonexistent or false history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is reporting a query with my information which I do not recognize.

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 2025-07-10 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-10 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia Regarding : Cain & Weiner Company XX/XX/scrub>XXXX  To whom it may concern : I received information regarding a debt that is being claimed against me. Through my rights, in accordance with U.S. code 1992g, and 605B FCRA. I hold the right to verify the total debt amount, I made a dispute it was removed then placed back on my credit report. I also requested the original party 's information and did not receive any information. 

I am disputing the claim and request validation made pursuant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am demanding immediate removal of the LVNV Funding account from all credit bureaus, as XXXX has already deleted it due to lack of verification. LVNV has failed to provide a signed contract, billing history, or any proof that this debt belongs to me. 
Instead of validating the debt, they sent generic billing statements, which are not considered legal proof of ownership under the Fair Credit Reporting Act ( FCRA ) or the Fair Debt Collection Practices Act ( FDCPA ). 
Their continued reporting of unverifiable information and refusal to respond to my original complaint from XX/XX/year> is not just negligentits unlawful. 
I fully intend to pursue legal action for willful noncompliance and seek monetary damages for financial harm, emotional distress, and lost housing opportunities. I request written confirmation that this account will be permanently deleted and not reinserted without proper documentation. I also request a formal investigation into LVNVs reporting practices and enforcement action if they continue this pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: UT

Complaint narrative:
Overview of events on my end Original Credit report pulled XXXX ONLINE ACCOUNT : Dispute submitted XXXX Completed XX/XX/XXXX with no change ( SEE DISPUTE 1 ATTACHMENT ) ONLINE ACCOUNT : Dispute Submitted XXXX Completed XX/XX/XXXX with no change ( SEE DISPUTE 2 ATTACHMENT ) DISPUTE XXXX ONLINE ACCOUNT : Dispute submitted XXXX Completed XX/XX/XXXX with no change ( SEE DISPUTE 3 ATTACHMENT ) ONLINE ACCOUNT : Dispute submitted XXXX Completed XX/XX/XXXX with no change ( SEE DISPUTE 4 ATTACHMENT ) DISPUTE XXXX EQUIFAX MAIL OUT XX/XX/XXXX, DELIVERED XX/XX/XXXX ( SEE ATTACHMENT ) XXXX XXXX XXXX XXXX was referred and enrolled wXXXX Uqual with XXXX XXXX SSN was updated XXXX XX/XX/XXXX per XXXX XXXX XXXX Credit Report CREDIT REPORT PULLED XXXX ( SEE ATTACHED DOCUMENT- highlighted incorrect SSN is showing ) ONLINE ACCOUNT : Dispute submitted XXXX Completed XX/XX/XXXX removed SOME derogatory accounts. ( SEE DISPUTE XXXX ATTACHMENT ) DISPUTE XXXX per XXXX XXXX XX/XX/XXXX : NEW credit account issued with Installment loan ( NOT XXXX STILL THE OTHER INDIVIDUAL- loan was still issued- XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) balance of {$14000.00}. 

FYI I opened up another dispute on your account online for any addresses or accounts on your credit that weren't yours- just to keep something going on Equifax on your personal account. This includes the new installment loan that popped up on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: ND

Complaint narrative:
Consumer Name : XXXX XXXX Email : XXXX I am filing this complaint regarding a credit reporting agencys continued failure to comply with the Fair Credit Reporting Act ( FCRA ) in response to a dispute I initially submitted on XX/XX/XXXX. Despite receiving a response that the accounts and inquiries were verified, the agency failed to provide a legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). 

Disputed 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 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 Despite multiple requests, the credit reporting agency has failed to provide : The specific procedures used to verify the accuracy of the above information. 

The names, contact information, and titles of the individuals or entities contacted during the investigation. 

Copies of any documentation used to verify the disputed information. 

Violations of Federal Law : By failing to provide this information, the agency is in direct violation of : 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to disclose the method of verification. 

15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy. 

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete or correct inaccurate or unverifiable 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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
In XX/XX/year>, I reached out to Nelnet regarding a forbearance to be placed on my XXXX XXXX accounts. On XX/XX/year>, XXXX XXXX From Nelnet responded to my inquiry with a list of various options to repay the loan but never addressed the request for forbearance. She also requested personal information, birthdate, social security number, and full name to further assist me. On XX/XX/year>, I responded to XXXX request and waited for the information I requested. No one reached out to me via email nor phone to discuss my options. In XXXX of 2025 I received an alert from the credit bureaus that my student loan accounts were 90 days past due. I reached out to Nelnet regarding the report. I was told that I could apply for financial hardship and that an administrative forbearance will placed on the account while the hardship is processed. I spoke to a Nelnet representative and was told that I was denied the financial hardship and the administrative forbearance will remain in place until XXXX. I will then be eligible to use the allotted 36 months of forbearance on the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
See attachement. I have been asking for this company to send the account that is owed. Sent dispute in XXXX. Notified from credit report that it was added back onto credit report XXXX.No communication to me about the balance.

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 2025-07-10 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-10 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-10 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-10 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief