vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I received a debt collection letter from XXXX XXXX XXXX XXXX dated XX/XX/2025, regarding a loan account referenced as XXXX. I did not receive this letter until approximately XX/XX/2025. 

On XX/XX/2025, I contacted XXXX XXXX phone to inquire about the debt and offer a repayment arrangement. During this call, the female representative I spoke with was dismissive and unkind. I explained that I was the primary borrower and willing to resume payments, but she stated she was not interested in working with me and that she intended to pursue my cosigner instead. I informed her that my cosigner had no role in the default and that I wanted to take full responsibility. She continued to disregard my offer, and when I requested to speak with a supervisor, I was placed on hold and later told a XXXX was in a meeting. I was never called back. 

The next day ( XX/XX/XXXX ), I attempted to file a formal inquiry or dispute through the companys website, but the page repeatedly returned an error message. This issue persisted through at least XX/XX/XXXX, making it impossible to communicate with the company electronically. 

On XX/XX/XXXX, I mailed a certified letter to XXXX XXXX that included : A formal debt validation request A hardship explanation A repayment proposal offering $ XXXX starting XX/XX/2025 A request to cease all collection efforts toward my cosigner, who was not responsible for the missed payments Although the certified letter shows as delivered to their local post office on XX/XX/2025, it still has not been marked as picked up, and I have received no written response to my formal request. As of today, XX/XX/XXXX, XXXX XXXX day before the response deadline of XXXX XXXX have received no contact from XXXX XXXX or addressing my letter. 

I believe the companys conduct is unfair, as I have made good faith efforts to resolve this matter, and my cosigner is being unfairly pursued despite my willingness to pay. Their lack of response and the malfunctioning website have further delayed my ability to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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.

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and XXXX requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Longbridge Financial, LLC
State: WI

Complaint narrative:
I started a reverse mtg in XXXX it took until XXXX to close due to the lender wanting me to remove the wall in my laundry room behind the washer and dryer. This lender has no common sense. Finally they realized this then at closing my address was wrong. Then they were late 3 months in paying my taxes. I had to call every other day to stay on them. It's been a nightmare. Now the work the appraiser required was done XX/XX/XXXX. I spoke to a Longbridge manager before the work was started because I wanted the workmen paid in a timely manor. She told me 3-5 business days the check would be mailed once the final inspection was received. It has been 12 days and they haven't even sent the inspector and now they say it will be sent 1 week after the final inspection was received. They say they have to order the final through the FHA rotation system. I told them they need to call the original appraiser and he will come the 30 min to do the inspection and turn in the report. I've been doing mortgages 39 yrs and have never seen such a mess. I want.my workers to be paid. Longbridge shouldn't be allowed to do mortgages. Hold times are horrendous and the people don't knwo what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not fur
nish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MOHELA
State: CA

Complaint narrative:
The U.S. Department of Education discharged over {$75000.00} in student loans, and I submitted documentation to XXXX  to verify which specific amounts were discharged. However, instead of reviewing only the discharged loans, XXXX  removed all student loans from my credit reportincluding three current, open loans that should have remained. 

I have contacted XXXX more than twenty times to explain that I still have three active loans, yet they continue to insist it is my responsibility to notify Mohela and request that the loans be reinserted. I find this unacceptable, as it was XXXX  who removed these accounts in errornot Mohela. 

Despite multiple attempts to resolve this, Ive also contacted Mohela, and they confirmed that they never stopped reporting the loans nor requested their removal. I am frustrated, exhausted, and overwhelmed by the ongoing back-and-forth, having to file complaint after complaint simply to correct an error that was not mine. 

All I want is for my three current student loans to be accurately reflected on my credit report. This situation has caused unnecessary stress and confusion, and I respectfully request immediate assistance in correcting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

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 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 2025-07-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting ag
ency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-21 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 CREDIT CARDS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
XXXX STOLE {$10000.00} from us. 

They shut down our account with no warning, no explanation and now theyre holding our money for XXXX XXXX 

The worst part? XXXX has processed transactions like this for us many times before. This wasnt out of the ordinary. 

We will never use XXXX again, and no business owner should. 

Please share this with any business owner you know. 

Do NOT trust XXXX with your money. This is theft. 

I am XXXX weeks XXXX, and these funds are for immediate living and medical needs.The card used belongs to my husband, who authorized the full payment for a legitimate vehicle sale. He is not disputing the transaction, and I can provide his written statement and ID if needed. This was not fraud, and I request that the funds be released to me or the transaction be allowed to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable negative items on my credit report. I have disputed them and requested validation under FCRA 611 and UCC 1-308. The bureau failed to provide legal documentation or remove the accounts.

. 
I sent a formal dispute letter to Experian, Equifax, and TransUnion referencing my credit report ( # XXXX ). I requested original contracts and lawful verification. The bureaus either failed to respond properly or continued reporting unverifiable accounts. This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and FDCPA ( 15 U.S.C. 1692g ).

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 2025-07-22 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: WI

Complaint narrative:
They closed my account without disclosing any reason why it was closed, spent days for them to tell my I broke their terms and services, but couldnt tell me in which way. Wanted to withdrawal my money told me they could keep it for 6 months. Still wont release funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NM

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these XXXX be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I am filing this complaint because THE BEST SERVICE COXXXX is reporting a collection account on my credit report for a debt I do not owe. I have no agreement or contract with their company and do not recognize this debt. 

I disputed the account directly with XXXX, but they did not remove it and did not provide any meaningful investigation results. Their response was generic and failed to address my dispute in good faith. I clearly stated that this was a debt buyer and that I never entered into any agreement with them. 

The balance has also increased from {$1900.00} to {$2300.00} with no explanation or breakdown of charges, which further indicates questionable reporting practices. I requested validation of the debt, including a signed agreement, account history, and proof of ownership, but I received nothing. This violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

I am an informed consumer and I know I have the right to challenge a debt that can not be validated. Yet instead of investigating, XXXX simply left the item on my report, while THE BEST SERVICE COXXXX continues to report false 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 2025-07-21 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: NV

Complaint narrative:
I am filing this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, misleading, and unverifiable entries appearing on my credit report. These include erroneous addresses, invalid charge-offs and collections, and unauthorized hard inquiries. These issues are causing unjust harm to my creditworthiness and violate multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full reinvestigation, immediate deletion of the inaccurate information, and enforcement of my rights under federal law. Below I have listed the items individually with their respective law violations and explanations : XXXX XXXX * DATE OPENED : XX/XX/XXXX BALANCE OWED : {$11.00} LATE PAYMENT * * LAW ISSUE : FCRA Section 607 ( b ) mandates furnishers to report data with maximum possible accuracy STORY : This late payment entry is inaccurate as I maintained on-time payments, no documentation has been provided to support this {$11.00} derogatory mark, I request removal XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$0.00} LATE PAYMENT * LAW ISSUE : FCRA Section 609 ( a ) gives me the right to demand all records that support a derogatory item STORY : A late payment with a zero-dollar balance is contradictory and unsupported, if no billing evidence is produced this mark must be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE OWED : {$0.00} LATE PAYMENT * * LAW ISSUE : Under FCRA Section 607 ( b ), furnishers must report information accurately and avoid misleading credit entries STORY : This account shows a {$0.00} balance meaning it was paid or closed, a late payment on a paid account is unjustified and must be removed XXXX INQUIRY XX/XX/XXXX LAW ISSUE : FCRA Section 604 ( a ) ( 3 ) requires permissible purpose for any hard inquiry STORY : I did not authorize or initiate a credit application with Primelending, this inquiry is unauthorized and must be removed from my file I respectfully request the Consumer Financial Protection Bureau to investigate the matters listed above in accordance with the FCRA and FDCPA. I am asking that you compel the credit reporting agencies and furnishers to provide adequate proof of accuracy or permanently delete the disputed information from my credit file. Each of these errors is affecting my financial standing and ability to obtain fair credit. I am asserting my rights under 15 U.S.C 1681i, 1681s-2, and 604, and under FDCPA 809 and 807, and request full compliance from all parties involved. Please assist in holding the furnishers and credit bureaus accountable.

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