vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BMO BANK NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I opened an RV loan with another company and my loan was transferrd to BMO, in the beginning it was extremely diffcult to get in touch with this company to even change my address to first home in XXXX SC. 
On XX/XX/year>, I purchased a new home, and sold my previous address of my home and moved from XXXX XXXX XXXX XXXX XXXX XXXX, the post office was notified and all my credit card companies my mortage company and also every company including my lic, my husband Veterans department and all agencies.

I called BMO to change my address, and they would not do it becaue they wanted information from back from over ten years ago, and I was like when I previously changed my address no one ever asked me for such information. No one spoke prior englinsh and they refused to change the address
then, I reported it to the XXXX  and refused to respond and stated that they would, send and letter to us,
myslelf and my husband, and found that fishy, because you do not have my correct address, yet, what we did receive at my correct address was for us to apply for a credit card, not once, but multiple times. So basically we felt like either we appply for their credit card or we dont change the address, because thats all we received from them after the XXXX  complaint. No letter no correspondence as stated on the XXXX  complaint. This is why I feel like we are being scammed by this bank. They want the payments, but they do not want to correct the address or give us an
american speaking corp. location to speak with. I am reaching out, because we feel there is a major problem with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: LA

Complaint narrative:
Inaccurate Credit Reporting XXXX XXXX / FCRA Violations 1681e ( b ) & 1681i I am submitting this complaint because Equifax and TransUnion are reporting inaccurate and inconsistent information regarding my Flagstar Bank mortgage account, despite clear evidence of resolution. 

As of the most recent update : XXXX  shows the account as : Paid in full Closed {$0.00} balance Only 1 late payment ( historical ) Favorable status : paid and regular In contrast : Equifax and TransUnion still report : An open status Unpaid or inaccurate balance Derogatory remarks or outdated payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Google Compare Credit Cards Inc.

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding the delay in receiving a refund for my ChatGPT Plus subscription, which was paid through Google Play using a Visa card. I submitted the refund request on XX/XX/year>, and was informed that the amount would be returned within XXXX to XXXX business days. However, as of today 10 days later the refund has still not been processed. 

This delay is unacceptable. I have contacted support multiple times and was promised a quick resolution, yet no progress has been made. This situation has caused me unnecessary stress, wasted time, and disrupted my financial and personal plans. 

Therefore, I demand : An immediate refund of the original payment. 

A compensation of {$1000.00} USD for the inconvenience, lack of commitment, and emotional distress caused by this delay. 

If this issue is not resolved without any further delay, I will be forced to take legal action and file formal complaints with the relevant consumer protection authorities. 

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 2025-06-01 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: GA

Complaint narrative:
The collection account in question appears to violate several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : The bureaus # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Under FCRA 1681e ( b ), credit reporting agencies are required to ensure that the information they report is accurate and complete. The information related to this account does not meet these standards. 

FCRA 1681i ( a ) ( 1 ) ( A ) provides me with the right to dispute any inaccuracies on my credit report and requires a prompt reinvestigation. This account has not been properly addressed, and I am still awaiting verification. 

Under FCRA 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. This account includes inaccurate or outdated information. 
FCRA 1681i ( a ) ( 5 ) ( A ) mandates that if the debt is not validated or is found to be unverifiable, the collection account must be deleted from my report. 

Under FDCPA 1692g ( b ), I formally requested validation of this debt from the collection agency. They failed to provide the necessary documentation to prove that I am responsible for this debt. As a result, the continued reporting of this account is a violation of my rights under the FDCPA. 

Given the circumstances, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation of this account, and ensure that it is either fully validated or removed from all credit reports if the collector can not provide proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
Their calling multiple number letting other of debt that should only be discussed with me if it a valid dept

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Snow and Sauerteig LLP
State: IN

Complaint narrative:
I am hiring a bankruptcy attorney to help me and this debt has not been included in my debt reference it's a medical debt that I have been not receiving any details. I stopped making payments on it because my attorney told me to stop. I have information from XXXX  and the debt is not reflected there. Can you help? The attorney is Snow & Sauerteig, LLC. I have never received any updates on my account when I have been making payments. So I don't know how much I owe currently. Shouldn't I be receiving update account records accordingly? Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: NY

Complaint narrative:
Please refer to the attachments pertaining to the Equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I emailed Credit Control , LLC a written cease and desist letter along with a debt verification request, pursuant to the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and Californias Rosenthal Fair Debt Collection Practices Act. I requested : Full validation of the alleged debt, including documentation and the name of the original creditor That all collection efforts and communications cease until verification was provided On XX/XX/year>, despite my formal notice, the company sent me another collection email without providing any verification. That same day, I sent a demand for compensation letter, giving them 15 days to respond or correct the violations. 

As of XX/XX/year>, they have failed to respond to either request and continue to violate my rights under FDCPA 809 ( b ) and 805 ( c ) and California Civil Code 1788.17 by continuing electronic communications without debt validation and after receiving a cease and desist.

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 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am writing to formally dispute the validity of an account listed on my credit report under the name Portfolio Recovery Associates with a reported balance of {$640.00}, last updated on XX/XX/year>2025. I have no knowledge of this account, nor have I ever conducted any business with this company. I believe this account is fraudulent and has been reported in error. This is damaging my credit, name, and livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-06-01 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Valor Intelligent Processing, LLC
State: OR

Complaint narrative:
My name is XXXX XXXX and I am a XXXX, my parent XXXX XXXX XXXX has some supposed debt " Valor Intelligent Processing '' are trying to collect on, I have already sent them multiple texts and have tried to call them to let them know that i am a XXXX  and to please stop harrasing me with texts and calls late into the night. When I call them, they do not let you know that there is nobody in the office, and it just hangs up on you if you do not make a payment with their automated system. I believe what they are doing is Illegal, and they are harassing me as a XXXX  about another person 's debt that I should not be given information on. I have let them know to cease all further communications as they will be considered harassment, and they do not stop.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently viewed my consumer report and noticed some unauthorized inquiries that were unauthorized. 
Make it known that you did not give said company any consent to furnish a XXXX inquiry to your consumer report which makes this a fraudulent mark on your report. 
Make them aware that according to the FCRA ( Fair Credit Reporting ACT ), Legally these unverified & unauthorized items MUST be removed. 

FCRA XXXX Permissible Purpose of Consumer Reports * Citation : XXXX XXXX Code XXXX * This section states that a XXXX XXXX can only be accessed with a permissible purpose, such as : * With your written consent * For credit transactions you initiate * For employment ( with written consent ) FCRA XXXX Procedure in Case of Dispute * Citation : XXXX XXXX Code XXXX * Requires XXXX XXXX to investigate disputed items within XXXX days * If the item cant be verified, it must be removed from your XXXX XXXX FCRA XXXX XXXX XXXX XXXX XXXX XXXX * Citation : XXXX XXXX Code XXXX * Requires companies ( furnishers ) to : * Provide accurate information to XXXX XXXX XXXX Correct any inaccuracies when notified by a bureau or consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: RI

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT Collector Name XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Zip XXXX ( account number ) XXXX HAS VIOLATED MY RIGHTS. H 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I AM A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMATION ON MY CREDIT REPORT CORRECTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute a recent decrease in my credit score by XXXX points, which I believe is due to inaccurate information. According to my records, my score decreased from XXXX to XXXX on XX/XX/XXXX. 
I have attached screenshots that detail my current credit balance and recent score changes for your reference.

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 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AL

Complaint narrative:
Overview : I have been on Income-Based Repayment ( IBR ) since XX/XX/XXXX. However, Mohela continues to place me in arbitrary forbearances. 

I need help with Mohelas refusal to keep me on my payment schedule so that I may make payments that count for my Public Service Forgiveness Loan ( PSLF ) plan. I am currently a XXXX XXXX  who desires to retire in XXXX ; I am XXXX XXXX XXXX and need to tend full-time to my family and my health. My original forgiveness date was XX/XX/XXXX ; it keeps getting delayed and now shows XX/XX/XXXX. 

Mohela should remove the arbitrary forbearance, as I have proof that I have asked numerous times. Mohela should immediately move me into repayment on my already approved IBR plan. I need to complete my 120 payments so that I may retire. My XXXX payment should be in XXXX of XXXX, but Mohelas delaying tactics are preventing me from fulfilling my contractual agreement for the PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I told this company that these accounts XXXX XXXX  account number- XXXX XXXX- XXXX was a act of Data Breach and my information was compromised. I was sen a pre paid card from XXXX from equifax and XXXX settlement email from XXXX  and nothing from XXXX  and these accounts is still on 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 non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I told this company that these accounts XXXX XXXX  account number- XXXX XXXX- XXXX was a act of Data Breach and my information was compromised. I was sen a pre paid card from XXXX from equifax and XXXX settlement email from XXXX  and nothing from XXXX  and these accounts is still on 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 2025-06-01 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit heaith

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 2025-06-01 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit heaith

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