vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: PA

Complaint narrative:
Checksmart unauthorized payments into checking account and annoying everyday phone calls!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX AR XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Nelnet, Inc.
State: MN

Complaint narrative:
i had a private student loan that i had gotten through XXXX Years later i set up payments and start paying it back, all of sudden, i get a notification that my loan has been bought by firstmark services, nothing leading up to it, no phone call, just suddenly, i did not make any type of loan deals with firstmark services, i made the deal with XXXX, if they can not hold the loans anymore then they need to forgive my loan. I do not like that another company received my information without my consent, i dont know anything about this finiacial business called firstmark services, if i wanted a loan from them then i would have gone to their business and gotten the loan. So a company has my information without my consent, which will show up on my credit report as well, doing business with a company i had no willing want to do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-18 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: NJ

Complaint narrative:
I am writing to formally dispute the reporting of an account by XXXX XXXX XXXX on my credit reports with Equifax, Experian, and TransUnion. This account is not mine, and I am requesting a formal investigation and removal of this inaccurate information from my credit files. 

The reporting of this account is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the following provisions apply : 15 U.S.C. XXXX ( b ) Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in credit reports. 

15 U.S.C. XXXX ( a ) ( XXXX ) Congress emphasized the importance of accurate credit reporting to protect consumers from unfair credit decisions. 

15 U.S.C. XXXXc Debt collectors must not engage in collection practices that violate a consumers privacy or impose undue harm. 

15 U.S.C. XXXXg I have not received any debt validation or legal documentation confirming that this alleged debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 formally dispute the reporting of an account by XXXX XXXX XXXX on my credit reports with Equifax, Experian, and TransUnion. This account is not mine, and I am requesting a formal investigation and removal of this inaccurate information from my credit files. 

The reporting of this account is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the following provisions apply : 15 U.S.C. XXXX ( b ) Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in credit reports. 

15 U.S.C. XXXX ( a ) ( XXXX ) Congress emphasized the importance of accurate credit reporting to protect consumers from unfair credit decisions. 

15 U.S.C. XXXXc Debt collectors must not engage in collection practices that violate a consumers privacy or impose undue harm. 

15 U.S.C. XXXXg I have not received any debt validation or legal documentation confirming that this alleged debt belongs to 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 non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-18 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: AR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc.
State: MD

Complaint narrative:
Communicated I don't know anything about this amount to be paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CO

Complaint narrative:
Subject : Urgent Complaint : MOHELA Owes Me {$7200.00} Demand for Immediate Review and Remediation ( 2ND ELEVATION OF THE SAME COMPLAINT ) I'm grateful to the CRPB for submitting my initial complaint ( XXXX ) to MOHELA. Thank you, truly. I am submitting this ( now second ) formal complaint regarding the failure to issue a refund of {$7200.00} owed to me as a result of MOHELAs mismanagement of my Public Service Loan Forgiveness ( PSLF ) account. The status of my complaint stated that the company 's response was in progress as of XX/XX/XXXX. According to MOHELAs own records, my loan was forgiven through PSLF with an effective date of XX/XX/XXXX. Despite this, 31 additional payments were withdrawn from my account between XX/XX/XXXX and XX/XX/XXXX, at {$230.00} per month, totaling {$7200.00} in overpayments. This money was taken after my loan was forgiven. I received no notice, no refund, and no explanation. Only after extensive follow-up and my own diligence did I learn that no refund was ever initiated, as confirmed by the U.S. Department of the Treasury on XX/XX/XXXX. I have submitted Return on Information ( ROI ) documents to : Senator XXXX XXXX Office ( XX/XX/XXXX ) Congresswoman XXXX XXXX Office ( XX/XX/XXXX ) Additionally, I filed a XXXX  Complaint on XX/XX/XXXX, and I am continuing to keep a public record of each delay and deflection. MOHELA 's failure to refund these funds despite clear documentation, oversight from federal officials, and repeated communication constitutes not only negligence but a violation of fiduciary responsibility. I am a public servant. I did my part. MOHELA has not. I am demanding : Immediate issuance of the full refund : {$7200.00} A written explanation of why no refund was initiated when PSLF was granted A clear timeline for when I can expect my funds to be returned I am escalating my complaint here because CFPB has been one of the few entities that has responded to my complaint and severe concern. I have every intention of continuing to doggedly pursue this matter until it is resolved. If my refund isn't issued to me by XX/XX/XXXX, I'll be forced to take legal action ... and with my refund still outstanding my ability to advocate for myself in this way, is limited... I am seeking a prompt and transparent response. My patience has been professional ; my expectation for resolution is non-negotiable. I'm owed several thousands dollars... Please help.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-18 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREENSKY OPERATIONS, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I signed up to have my house windows replaced with storm windows. At the time of signing agreement, I was offered a 'loan option ' from Green Sky XXXX I applied ( and was approved ) for it just in case I could not afford for complete install. The install was a nightmare. It took over a year. Beside the point. 
XX/XX/XXXX I paid, what I was told ( by XXXXXXXX XXXX XXXX XXXX ) my Final Payment. 

I do not recall 'authorizing " Green Sky to activate the loan. 

XX/XX/XXXX I got a 'invoice ' from Green Sky for loan ballance and interest {$17000.00} to {$22.00}, XXXX. {$14000.00} interest in 2 months?? 
Green Sky says my grace period was up in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal. I have XXXXXXXX XXXX ( approx {$11000.00} right now, varies by minute ) in paypal. I have been trying for approx a month to transfer it out of paypal to another servicer, and the last 4 days I have been trying to sell and transfer funds out, to my bank account. I was only able to transfer to the other servicer a small fraction approx a month ago, and every attempt to transfer or sell has failed since. Tues XX/XX/XXXX I tried and failed, XXXX, XXXX, XXXX, and called paypal each time. No rep knew why it failed, each said it's " system '' issue and to try 48 hours later due to " security review ''. I waited 48 hrs until XXXX XX/XX/XXXX, and tried again at XXXX. It failed. Each time I get a message saying " we are having a problem verifying that it's really you ''. I called again at this time. Rep says it's a " system transaction '' and " no one can overide the system ''. He ( " XXXX '' ) said " just keep trying ''. He also said " don't even call back because we can't do anything ''. In the meantime, I could lose XXXX of dollars or more while I wait. " I want out of paypal now, it's my money and I am being stolen from. Tried again this morning, XXXXXXXX XXXX and XXXXXXXX XXXX. Failed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
on XX/XX/XXXX, I received a debit card from Ally Bank in the mail to my home address. This upset me, because I have attempted XXXX TIMES to call and close this account. I called again immediately on XX/XX/XXXX. I was told, oh, that card just crossed in the mail - that account was closed in XX/XX/XXXX ) I should not even have had an open Ally account ( it's been close to XXXX  years since I used them and since I first attempted to close it ) 2 ) I received an actual debit card for the account - and giving my social was successful - so whoever this is knows my social. 3 ) I still have not received any confirmation that they have closed my account. Then on XX/XX/XXXX I got notice in my email of an attempt to..... get into my account! It was a registration notice!!!!!!! Attached. I '' m at my wit 's end. I want the account closed and my info purged.

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