vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is the XXXX request to Equifax to correct my address on my credit report!! I spend hours yearly having to correct constant errors on my reports with them and the other credit bureaus. You need to fine them for every error and give half of the money to me and others doing the work of their employees!! It is THEIR responsibility per the FDRA and FDCPA to provide ONLY accurate information on all reports, but they do the opposite!!! I again went online and tried to fill out a dispute on their website, and it did not offer an option for incorrect information, which is the category that is always the reason for my and most others ' disputes!!! Then it knocked me out and would not let me upload my XXXX bill for proof of address. They just make every correction impossible!! I then called them, and the customer service representative spent half an hour verifying my personal information, then seemed distracted while resolving the issue, and claimed she had filled out the dispute herself and corrected all. She gave me this Confirmation number : XXXX Submitted XX/XX/XXXX XXXX investigation Completed XX/XX/XXXX I then looked at my account after we hung up the call, and it was not changed, so I figured it was going to take a day to update. I then looked at it today, and it is still not corrected, though she quickly noted she had corrected it XXXX days prior, to make it look as if she completed it that day. 

My CURRENT address is NOW and has been since XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

My PRIOR address was XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, they have them backwards on my report!!! 

Documents attached!!! I want all fixed, for you to fine them and give me and the others having to do the same half of the money, as I spend hours every year making corrections to ALL of my credit reports due to stupid errors, and it is not right that I should do their work and they get paid for it!! It is their responsibility to verify and report accurate data per the FCRA and FDCPA, to always provide accurate information on all reports!!!! I want a corrected copy mailed to me and also emailed to me for my file, and I do NOT want this complaint closed until all is done!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
Hello, I filled this complaint regarding the company named : ACTIVE Network, XXXX. 

I was forced to use their website/company ( XXXX ) to pay for the kid 's art class on XXXX. I never intended to subscripted any program of them. 

Just recently I found out they started to charge me membership fees every year since XXXX. After dispute with my credit card, they refunded this year 's renewal. but won't refund for the year XXXX. The total of {$630.00} was stolen by them. This is ridiculous! 
These are the charges : XX/XX/XXXX {$79.00} XX/XX/XXXX {$89.00} XX/XX/XXXX {$89.00} XX/XX/XXXX {$89.00} XX/XX/XXXX {$89.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} I searched on the internet, there are a lot of people be trapped by them. I filled out the complaint to warn others. And please do something to stop them to fool the customer around. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 recently reviewed my credit report and found inaccurate and unverified information being reported. These errors are negatively impacting my credit profile and are not in compliance with the Fair Credit Reporting Act ( FCRA ). Despite my efforts to have the information corrected directly with the credit bureaus and/or furnisher, the inaccuracies remain. These inaccuracies have resulted in harm to me, including lowering my credit scores, limiting access to credit, and creating confusion regarding my true financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: CA

Complaint narrative:
I am filing this complaint against MaxLend and XXXX regarding a loan that I believe to be unlawful and predatory. 

XXXX XXXX XXXX The loan issued by MaxLend carries an interest rate exceeding 600 % APR. 

This rate is usurious and illegal under XXXX  law, far surpassing permissible interest limits. 

XXXX XXXX Upon further research, I discovered MaxLend operates under a XXXX arrangement to evade state usury laws. 

Courts and regulators have increasingly found these arrangements to be unlawful and unenforceable. 

XXXX XXXX by XXXX I was informed that MaxLend transferred the loan to XXXX  for collection. 

I never received proper notification of this transfer. 

XXXX activity on a loan that is unlawful only compounds the harm and stress caused. 

Harm and Stress This predatory loan has caused me significant financial and emotional stress. 

I believe I was unfairly targeted as a consumer with limited credit options. 

Relief Requested : I request that the CFPB investigate MaxLend and XXXX for issuing and attempting to collect on an illegal and usurious loan. 

I request that the loan be deemed unenforceable and that all collection activity be ceased immediately. 

I request that the loan balance be dismissed/forgiven and that neither MaxLend nor XXXX be allowed to report this account negatively to any credit bureau XXXX 

Supporting Actions Already Taken : I have filed complaints with the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) and the XXXX XXXX XXXX  ( XXXX  ). 

Parties Involved : Original Lender : MaxLend Debt Collector : XXXX I respectfully ask the CFPB to review this matter and take appropriate regulatory action to protect consumers from predatory lending practices such as these.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: GULF COAST COLLECTION BUREAU, INC.
State: IN

Complaint narrative:
Ive receiving text messages from every once in a while regarding outstanding statements ( from XXXX  ). I have to login to their link using my billing ZIP Code. It says I have an outstanding balance from a certain health entity, with a date of service that does not make sense ( I never want to a doctor on that day ). Ive also contacted that entity and they have nothing on file and they have never sent anything to collections. Ive also received stuff in the mail from the debt bureau company along with the text messages. These have been occasional since beginning of XXXX  : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint regarding inaccurate and potentially unauthorized inquiries appearing on my credit report. 

I previously requested that these inquiries be investigated and verified. Some of them may have been reported in error or could be the result of a mixed file. To date, I have not received proper verification showing that these inquiries were made with my authorization and had a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ). 

The following inquiries are in question : Under the FCRA, consumer reporting agencies and furnishers are required to ensure that all reported information is accurate and verifiable. Inquiries that can not be substantiated must be deleted. 

I specifically requested that each inquiry be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> Verified to confirm it was made with my authorization and had a permissible purpose. 

Accompanied with the name, address, and permissible purpose of the company that initiated it. 

Since this verification has not been provided, these inquiries remain unverified and may be inaccurately damaging my 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We disputed funds related to a fraudulent wire transfer through my bank. we authorized a wire transfer on XX/XX/year> to a legitimate recipient. I later discovered that the recipient was engaged in wire fraud, and the transaction was the result of criminal deception. My bank notified me on XX/XX/year> that the wire had been flagged for fraud and funds were being held for investigation and our approval, I requested for the funds to be stopped, recalled, or otherwise secured. I have been informed that the bank is holding the funds but refusing to return them to me, despite the fact that I was the victim of fraud.

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 2025-09-10 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: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: NY

Complaint narrative:
On XX/XX/year> i submitted a complaint to you guys. 
the complaint number is XXXX. 
the XXXX XXXX XXXX with only VERY FEW of the requested documents. 

unfortunately you guys closed that complaint even though their response and documents sent to me are not even 25 % of the requested documents. 

XXXX. MOST of the countless mortgage assignments are missing XXXX they did not send me Power of Attorney for any of the Mortgage assignments XXXX. The few assignments of mortgage they did send was missing the note attached and all missing Power of Attorney XXXX is no proof of chain of title as requested. there are countless gaps in assignments XXXX affidavit of possession XXXX. Proof that XXXX XXXX  Had the right to initiate this foeclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I sent XXXX dollars to a Venmo recipient however, that person didnt have a Venmo account. I immediately requested a payback/refund for the XXXX. Venmo claims to have refunded my money, however my bank has no credit of that money. I have sent Venmo copies of my bank transactions and statements, and they still are delaying my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
I am deeply concerned and distressed by the presence of inaccurate information and unauthorized negative accounts and inquiries on my credit report. I have no connection to these accounts or inquiries, and I have never given permission for them. This erroneous and harmful information is severely affecting my credit profile and financial standing. I urgently request that these accounts and inquiries be permanently removed to ensure the accuracy and integrity of my credit history. The fraudulent items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: ND

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: ND

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had XXXX credit cards with Capital One. One had rewards over {$50.00} on it ( rebate from my purchases ) and the other had close to {$7.00} on it in rewards. They closed both of my credit cards due to inactivity and did not pay out the rebates back to me. I had elected for my rebates to be applied to the card before the credit cards reached the inactivity period limit ( see attached photo as proof I did it prior to my inactivity period limit ). Apparently this doesn't count as a transaction ( even though it should be applied as a credit to the card so that the card has a negative balance ). This is unethical. Cards should also have the option of paying the rebate back in cash/check to the end user but that was not an option on either of the Capital One cards- probably because they don't want to pay it out to the users and hope they can close the cards out due to " inactivity ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-10 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NC

Complaint narrative:
On XX/XX/year> I received a call from IQ International while I was at work. The caller insisted I stay on the phone and provide a card to put on file. When I explained that I did not have one, the manager responded sarcastically, saying, So you're just driving around with no license? I told him that was unprofessional and that I would not be harassed into providing payment information. He laughed and said, Just pay your debt. 
The following day, XX/XX/year> I received another call. When I again explained I didnt have a card to put on file, the caller said he saw I had a credit card I could use to add funds and demanded I give it to him. I declined and said, Proceed as you wish. He responded by saying, Why would you even put yourself in a financial situation like that? 
I have repeatedly requested that the debt be provided to me in writing via email so I can review it properly. They have refused to do so and continue to demand immediate payment over the phone, despite not validating the debt. 
Their behavior has been aggressive, unprofessional, and appears to violate the Fair Debt Collection Practices Act. I am requesting a formal investigation into their conduct.

Company response to consumer: Closed with explanation