vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I checked my credit report and I seen inaccurate information on the my report. I contacted the credit bureaus and they didnt remove the information I discussed.

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 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: OK

Complaint narrative:
World Acceptance Corporation is attempting to collect a debt I do not owe. The account they are reporting on my credit file is marked XXXX, and the tradeline itself states that the debt was sold to XXXX XXXX XXXX XXXX. XXXX XXXX has already deleted their tradeline after failing to validate the account, which demonstrates that the debt buyer can not verify ownership or documentation. 

Because the debt buyer can not validate, the original creditor can not validate either. World Acceptance no longer owns this account, has no legal authority to collect on it, and can not produce any of the documents required under FCRA, FDCPA, or 609 ( e ) to prove the account is mine. 

I previously requested full validation, including : the original signed application the original contract with my wet ink signature all documents bearing my signature identity verification records IP logs or digital signature data ( if electronic ) payment history chain-of-title from World Acceptance to XXXX XXXX XXXX a complete copy of any documents furnished to the credit bureaus World Acceptance failed to provide any of these documents. Their response relied only on internal database notes and old, recycled information that does not prove ownership or liability.

A company can not legally report or attempt to collect a debt it does not own and can not substantiate. Furnishing incomplete, inaccurate, and unverifiable information after a debt has been sold violates FCRA 602, 607 ( b ), 611, and 623 ( a ). It is also an unlawful collection attempt under the FDCPA. 

I am requesting regulatory review because the company is continuing to furnish negative information and attempting to collect a debt that is not mine and can not be validated by any party who claims to have owned it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 2025-11-11 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 explanation
Consumer complaint received 2025-11-11 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: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
This company needs to be investigated for predatory practices that are deceptive to the consumers. They never sent a bill m, sent me to collection which I have no idea where this bill came from. Look at the reviews on XXXX for it : FIRST FEDERAL CREDIT CONTROL Account number XXXX  Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$1.00}, XXXX past due as of XX/XX/year>. 
Status updated XXXX XXXX  Balance {$1600.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$1600.00} Highest balance - Terms 1 Month On record until XX/XX/year> Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: LA

Complaint narrative:
Your bureau is continuing to report inaccurate and unverifiable information on my credit report despite previous disputes. This repeated failure to maintain accurate reporting is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of disputed information, and under 15 U.S.C. 1681e ( b ), you must follow procedures to ensure maximum possible accuracy of the information you report. Your continued negligence is unacceptable and unlawful. 

I demand the immediate removal or correction of all inaccurate information on my credit report. Failure to comply will leave me no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all legal remedies available 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 2025-11-11 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: LA

Complaint narrative:
Your bureau is continuing to report inaccurate and unverifiable information on my credit report despite previous disputes. This repeated failure to maintain accurate reporting is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of disputed information, and under 15 U.S.C. 1681e ( b ), you must follow procedures to ensure maximum possible accuracy of the information you report. Your continued negligence is unacceptable and unlawful. 

I demand the immediate removal or correction of all inaccurate information on my credit report. Failure to comply will leave me no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all legal remedies available 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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: IN

Complaint narrative:
Took out a loan in XXXX of XXXX. The amount was for {$2500.00}. I didnt realize that this was a predatory loan that charged me 220 % to make the total loan {$5400.00}. I cant keep up with payments and I cant pay this off. I would like for this to be taken away and for the loan to help me with allowing me to not have to pay anymore and for this loan to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
I am writing to dispute several inaccuracies found on my credit report with each of the major bureaus. Below are the details of the accounts that are in dispute : Charged Off Accounts XXXX, XXXX, XX/XX/XXXX, {$14000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$210.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$440.00} XXXX, XXXX, XX/XX/XXXX, {$900.00XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} Bankruptcy, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one wont give me back my money that I was robbed from someone hacked my phone an apple alerted me. On XX/XX/XXXX my phone was hacked I only know because XXXX alerted me I did a complaint with capitol one they did an investigation for over a month and denied me to give me back money each time so now I have a lawyer involved to sue them. They think I did it but I didnt even the police said I didnt do it I have a police report and everything I submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
This is a follow-up complaint regarding [ XXXX XXXX XXXX  / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === INQ === XXXX : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-11 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:
I am unassociated with these accounts ; they must be eliminated within 15 days in keeping with USC 1681g.

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 2025-11-11 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: AL

Complaint narrative:
I am writing to formally dispute inaccurate information regarding certain accounts reported to the credit bureaus. Below are the accounts I believe to be incorrect, and I am requesting your assistance in investigating and correcting them. 
Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/year> Equifax ( XXXX ) XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX MIDLANDCRE Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
I am submitting this complaint because my credit reports contain inaccurate and/or unverifiable information that is negatively affecting my credit profile. I have attempted to resolve these issues directly with the credit reporting agencies, but the items remain uncorrected. I am requesting the Consumer Financial Protection Bureaus assistance to ensure that these accounts are properly investigated and corrected or deleted in accordance with the Fair Credit Reporting Act ( FCRA ) Charged-Off Accounts in Dispute : XXXX XXXX Account # XXXX Reported charged off XX/XX/XXXX {$1100.00XXXX XXXX XXXX XXXX  Account # XXXX Reported charged off XX/XX/XXXX {$580.00} XXXXXXXX XXXX XXXX  Account # XXXX Reported charged off XX/XX/XXXX {$920.00} XXXX XXXX XXXX Account XXXX XXXX Reported XX/XX/XXXX {$380.00} XXXX XXXX Account # XXXX Reported XX/XX/XXXX {$700.00} XXXX XXXX Account # XXXX Reported XX/XX/XXXX {$130.00} XXXX XXXX XXXX Account # XXXX Reported XX/XX/XXXX {$9600.00} XXXX XXXX XXXX  Account # XXXX Reported XX/XX/XXXX {$210.00} These accounts appear to be inaccurately reported, duplicated, or can not be verified. I request that Equifax conduct a proper investigation to verify the accuracy of each account. If verification can not be provided, these items should be deleted immediately. 

Late Payments in Dispute : XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
Subject : Request for Verification of Loan Status and Eligibility for Account Adjustment Forgiveness To Whom It May Concern, I am writing to request verification of the current ownership and status of my FFELP Consolidation Loan, which is listed on my Federal Student Aid account with a total balance of approximately {$31000.00}. 

Please confirm the following in writing : XXXX. Whether this FFELP Consolidation Loan is federally held by the XXXX Department of Education or privately held by a guaranty agency. 
XXXX. The current repayment status ( forbearance, deferment, or repayment ) and the reason for the long-term deferment notation on my credit report ( payments deferred until XXXX ). 
XXXX. Whether my loan qualifies for review or forgiveness under the Income-Driven Repayment ( XXXX ) Account Adjustment, SAVE Plan, or any other federal relief program currently administered by the XXXX Department of Education XXXX 
XXXX. If the loan does not qualify, please explain what steps I must take ( e.g., reconsolidation into a XXXX XXXX ) to become eligible for these programs. 

This information is necessary to ensure my loan is being reported accurately to the credit bureaus and to confirm my eligibility for any applicable federal forgiveness programs. 

Please provide a written response to the address or email associated with my account. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
I am submitting this dispute regarding inaccurate and incomplete reporting on my credit report by the following credit bureaus. These accounts listed below are in dispute, as I believe there are errors and/or omissions based on the Fair Credit Reporting Act ( FCRA ) guidelines. 

CHARGED OFF Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX Balance : {$6900.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : 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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX {$6000.00} PAID creditor but agency still reporting PORTFOLIO RECOV ASSOC {$5100.00} PAID creditor but agency still reporting

Company response to consumer: Closed with explanation