vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
I obtained a loan from Uprova in the stated amount of {$1400.00}. However, Uprova only disbursed {$400.00} to me directly and applied the remaining {$1000.00} toward closing out a prior loan with them. 

This was done without my full understanding or. consent, and it effectively forced me into a rollover loan with new fees and interest. I did not receive the full loan proceeds that I was I was borrowing. 

In addition, the loan terms are extremely predatory with an annual percentage rate ( APR ) far above state limits. I have already repaid more than I originally borrowed, yet Uprova continues to attempt to debit my account. 

I have revoked authorization for Uprova to access my bank account and notified both Uprova and my Bank ( XXXX ) in writing. Despite this, Uprova has continued to attempt to process payments and charge excessive fees and interest.

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 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received from call/ text from scammer on XX/XX/year> positing as CITI BANK XXXX Credit Card official noting that there was some fraudulent activity linked to my CITI BANK Credit Card . The initial alert was noted by text in similar fashion that CITI BANK usually alerts. 

I further called/ contacted the number provided and talked- they had noted attempts to try and block credit card transactions and further noting any potential of credit card transactions linked to XXXX account. 

They had provided me names of people to send XXXX money to and would cancel the XXXX transaction to verify they were seeing the transaction ( my critical mistake/ fault ) : a. First name of transaction sent to XXXX for {$1000.00} - they scamming personnel did CANCEL this XXXX transaction ( and had shown cancelled live time in my account linked to XXXX ) b. Second name of transaction sent to XXXX for {$1000.00} - the scamming personnel said cancellation would show in 1-2 minutes ; however, the cancellation did NOT occur and money was transferred to XXXX @ XXXX I attempted to contact my bank after this scammer posing as my credit card company. The bank gave me a temp credit until investigating further. However, after this incident, my bank told me I had authorized the transaction ( of which I did under false claim by the caller XXXX  @ XXXX ). 

Ultimate goals : a. Hope this doesn't happen to anyone ever again - never provide any digital money transactions such as XXXX, XXXX, etc to any personnel if even posing as a credit card company or bank ( the scam text looked extremely similar to text alerts I receive from CITI BANK Credit card if fradulent activity is detected ) b. Shut down/ arrest - charge/ fine the personnel such as those associated with 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 2025-09-18 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-18 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: OK

Complaint narrative:
Dispute duplicate XXXXXXXX XXXX credit card showing up twice on my credit report which has resulted in my credit report showing I owe dupicate the balance which has directly impacted my ability to refinance my car at a lower interest rate and get the best possible rate to mortgage a home for my family. I have called and disputed online and have had them agree that they see that the same amount is owed and that obviously something is incorrect but they refuse to delete. This shows that I owe over {$8600.00} more to credit cards than I actually owe which impacts my amount of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: OK

Complaint narrative:
Dispute duplicate XXXXXXXX XXXX credit card showing up twice on my credit report which has resulted in my credit report showing I owe dupicate the balance which has directly impacted my ability to refinance my car at a lower interest rate and get the best possible rate to mortgage a home for my family. I have called and disputed online and have had them agree that they see that the same amount is owed and that obviously something is incorrect but they refuse to delete. This shows that I owe over {$8600.00} more to credit cards than I actually owe which impacts my amount of debt.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NJ

Complaint narrative:
OUTSTANDING XXXX AND ED FINANCIAL DISASTER. I took a home equity loan in XX/XX/year>, and paid off student loans to XXXX and ED Financial. XXXX and ED Financial never applied the monies to loans, therefore all loans are now outstanding and accruing interest! I have filed complaints with XXXX XXXX XXXX over 1 month ago, have not received answers. I have contacted XXXX and ED Financial multiple times since. I have sent emails, uploaded copies of cashed checks, called multiple times for months. NO ANSWER, NO RESOLUTION, Now as I am trying to sell my home and buy another, I can not because my credit went from a XXXX to XXXX!! This has been detrimental to my body and mind. I have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXince this all started. I have paid the loans off, yet the monies were never applied to loan balances. I have now a ruined credit which if it is not corrected I will be homeless. This has affected my health beyond what anyone can fathom. I am desperately seeking HELP, I have gotten nowwhere with either institution. Its been months, my credit keeps decreasing. I have proof of all cashed checks as I requested all copies from my title company. In addition, my title company has been involved as well and they too have provided copies of cashed checks to XXXX as well as ED Financial. I beg of you to assist me and help me resolve this as soon as possible. Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
After applying for PMI removal from Movement Mortgage, they sent someone to assess the value of my property, who then provided an inaccurate assessment. After reviewing the comparisons, 1 of them was outside of the 6-month window. For the evaluation, they can only use properties that have sold within the last 6 months. Another property wasnt in the same neighborhood, and they failed to include two other properties in my building that had sold. I then disputed this claim, and they were unable to address the issues in the first assessment and failed to make a reasonable argument for why my property was undervalued. In their response to my dispute, they then said " The value remains at {$670000.00}, and the PMI removal denial stands. '' {$670000.00} was not the valuation assigned by the assessor. This again shows another mistake and inaccuracy communicated by Movement Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mar Joe Enterprises
State: VA

Complaint narrative:
I received a statement dated XX/XX/2025 from XXXX XXXX XXXX, for " Facility : XXXX XXXX '' in the amount of {$33.00}. This had an itemized list of legitimate charges for medical services rendered. I paid this, in full, on XX/XX/2025 using the website included on the bill. 

I then received a statement dated XX/XX/2025 that simply showed a balance of {$33.00} and did not reflect the payment I made. Since the payment was submitted only 2 days before that statement date. I assumed this error would resolve in their system. 

Today, XXXX, I received a collection notice from XXXX stating that I owe XXXX to XXXX XXXX . This is fraudulent attempt to collect the same debt twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: NY

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Many attempt has been made with the credit bureaus and the merchant to remove the below inquiries with are unauthorized without results. 

XXXX  : 1. XXXX XXXX ( XX/XX/year> ) 2. XXXX XXXX ( XX/XX/year> ) 3. XXXX XXXX ( XX/XX/year> ) 4. XXXX  XXXX ( XX/XX/year> ) Request that these items be investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
I am writing to express my deep concern and frustration upon receiving a copy of my updated credit report. It has come to my attention that despite my previous communication of rectifying the errors and mistakes, the report still contains inaccuracies. This situation has left me feeling both disadvantaged and apprehensive, especially because these inaccuracies are hindering my efforts to secure new lines of credit. Regrettably, lenders have repeatedly rejected my applications based on my tarnished credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
Im a victim of identity theft and the company or credit bureau didnt help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: SC

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
There is a collection on my XXXX  and XXXX  credit reports from Credit Collection Services that do not belong to me. No account number shown. Shows account was opened XX/XX/year> XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ] [ XXXX IL XXXX ] [ XXXX ] [ XX/XX/year> ] I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Request for Debt Collection Efforts Dear I C SYSTEM I am writing to formally request that you cease all communication and further debt collection efforts regarding the alleged debt referenced in your previous correspondence. I understand that you claim I owe a debt, but I dispute this claim and request that you immediately stop contacting me regarding this matter. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you cease all collection activities. Therefore, I am exercising that right by requesting the following : 1.Cease all telephone calls, letters, emails, or other communications regarding the alleged debt. 
2.Provide verification of the debt, including a detailed statement outlining the original creditor, the amount owed, and any supporting documentation to confirm that the debt is valid. 
If you continue to pursue this matter without providing the requested verification, or if you do not comply with this cease and desist request, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies, including state regulators, and take any other legal actions available to me. 
Please note that this letter is a formal request under the FDCPA, and I expect compliance with my request immediately. Any further contact or collection efforts without verification will be considered a violation of my rights under the law. 
Thank you for your immediate attention to this matter. 
Sincerely, [ 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 2025-09-18 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
A guy knocked on my door saying he just hooked my neighbors up with a 30 day free trail home security system, the guy said it would be a 30 day free trail and if you don't like we will removed all of of products, he said they would put sensors on the front and back doors and all of the windows, and a ring cam, and it would hook up to my phone and I could see who was at my door, the guy had one of his co-workers to put a system in the living room by the front door that I never knew how to operate it, the guy was suppose to come back to put the sensors on the back door and the window, within 2 weeks the guy never came to finish the sensors on the back door or the windows and I had already received a bill for a full payment for the month, I had called the let them know that I did not agree to this and I was suppose to have a free 30 days to learn how to work the system and I still didn't have the system fully up and running. I believe that I should not have to pay for something that was not fully put together and where I was suppose to have a free 30 day trail run before I agree to the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: 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 2025-09-19 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: TX

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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/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