vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XXXX I filed complaint XXXX with your agency. I checked on your website today and there was no response from Mountain America Credit Union so I first called their XXXX number to follow up before filing another complaint. I asked to speak to a supervisor the man who answered was polite and after I explained the situation agreed to get a supervisor. After I waited XXXX minutes the same man came back and politely tried to convince me I didn't need to talk to the supervisor ( it was evident he was saying what the supervisor told him to say ) I persisted and finally XXXX XXXX XXXX came on he tried to tell me because I had given feedback to a Mountain America Credit Union employee on the same day I filed the original complaint that the complaint was all resolved. I told him the CFPB website said I would receive a formal response from the company usually within 15 days. XXXX interrupted me and wouldn't let me talk, I told him I wanted to speak to another supervisor, he said he couldn't transfer me and was going to hang up which he did. I called back asked for a supervisor and said specifically not XXXX and XXXX came back on the line. I told him there was no point in talking to him because he was not going to help. I then tried to call the corporate office for XXXX ( XXXX ) XXXX after ringing approximately XXXX times a recording came on saying they could not respond, thank you for calling and hung up. I am not going to call back to their XXXX customer service number because XXXX seems to be the only supervisor available. His behavior indicated he was not interested in helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: LA

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 1681. 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 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 seven years. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
Here 's what was sent to the company : Is it BAU to refuse to transfer a call from the accounts department? I just spoke with a rep who refused to transfer my call. I asked if she were a 'gate keeper ' but she replied that she wasn't but would not transfer my call. Please pull the recording. My reason for calling was to try to reopen an account that was closed for non-activity. I wanted to begin to use the card and possibly another 'pre-approved ' loan. Because of that representative 's behavior, I don't think I should enter into another business arrangement with Upgrade. During my agreement with Upgrade, I have never been late. I was a model customer. Too bad your representative ruined a positive experience. 

Also, the representative continued to state that I applied for the card and would have to reapply for another card. I did not apply for the card. It was given to me when I was approved for the first loan. Unfortunately, she would not accept it. 

This was a very unpleasant experience for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-24 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: MD

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 trafficking according to Trafficking-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 )

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 2025-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: NM

Complaint narrative:
Im currently trying to receive relief under Louisiana state SCRA laws. Ive attached my original request on XXXX XX/XX/XXXX and follow up email on XXXX XX/XX/XXXX requesting update on case. No response has been received. 
The original email is pasted below Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to reduce the rate of interest to six percent ( 6 % ) for the above referenced account. While I did enter this obligation after entering XXXX XXXX on XXXX XX/XX/XXXX, I did enlist into the XXXX XXXX XXXX in the state of Louisiana, which is my Home of Record and a Key Provision state. 

Louisiana has enhanced consumer protection beyond what is included in the XXXX XXXX through state statues and applied these additional protections to service members on federal XXXX XXXX. 

Louisiana ( LA ) XXXX XXXX XXXX ( XXXX ) Limits on creditor interest rates. XXXX XXXX states : Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding XXXX percent per annum during the period that the person is XXXX on XXXX XXXX. 

Furthermore, this relief should be granted as outlined inSubsection XXXX of the same statute Upon receipt of the written noticethe creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

Under the XXXX, any interest more than 6 % per year shall be forgiven. Additionally, any payments shall be reduced by the amount of interest forgiven which is allocable to the period of such payment. 

If you have any questions or concerns, you maXXXX contact me at ( XXXX ) XXXX or XXXX Respectfully Submitted, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NC

Complaint narrative:
I was reviewing my Transunion Credit report and it stated on XXXX XXXX through XXXX XXXX  I requested a credit increase that was denied. XXXX XXXX stated that they have no record of me requesting a credit increase and there is a hard charge. I contacted XXXX Bank and they have no knowledge of me requesting a credit increase and Transunion stated they would have not put this on my if XXXXXXXX XXXX this had not requested. It is negatively affectting my credit and I want it removed with and apology and to increase my credit line for their mistake. I have filed a distribute with Transunion.

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 2025-07-24 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
XXXXXXXX XXXX applied for a student loan in my name without my permission or signature. XXXX XXXX XXXX student aide department submitted this unsigned contract to the DOE. The DOE disbursed funds to XXXXXXXX XXXX  without a signature or binding contract. I requested a copy of this document from the DOE which was sent to me. There is no signature on the promissory note, plus my name is misspelled. 
I have had several conversations with DOE, I submitted a fraud complaint along with supporting documents a month ago. Yesterday XX/XX/year>, I was informed that they have not started the investigation, knowing they have nothing binding me to this loan. They reported to the different financial agencies that I bare this loan, and my XXXX XXXX is suffering. My complaint is with XXXXXXXX XXXX and the DOE. XXXXXXXX XXXX is responsible for the repayment. The funds that were disbursed 14 years ago was not applied to my child 's education nor did I request this loan. My information was stolen from my child 's student records. This is fraud and identity theft, these institutions are both responsible. XXXX is responsible to reimburse the DOE for their theft.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-24 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:
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 trafficking according to Trafficking-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 XXXX 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 )

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 2025-07-24 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: MD

Complaint narrative:
I filed a formal dispute on XX/XX/year> with Equifax to correct my personal information and the inaccuracies being reported on my credit report. It has been well over XXXX days and still the inaccuracies exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Frost-Arnett Company
State: MA

Complaint narrative:
Here is your info from Frost-Arnett XXXX XXXX debt collector, regarding XXXXXXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX acct. Visit XXXX XXXX XXXXXXXX XXXX XXXXXXXX Call XXXX Details : XXXX XXXX XXXX XXXXXXXX stop to end texts. 

Amounts : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Fidelity National Information Services, Inc. (FNIS)
State: OK

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-07-24 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: AZ

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-07-24 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: FL

Complaint narrative:
I am disputing a tradeline from " XXXX '' on my credit report. The account lists a closed date of XX/XX/year>, which is impossible and clearly a system error. Additionally, the past due amount, payment history, and monthly payment fields are shown as XXXX XXXX '' making the account unverifiable and inaccurate. 
Despite a prior dispute, the account still appears with a remark saying " meets FCRA requirements '' - even though it violates FCRA standards under 15 U.S. Code 1681i and 1681e ( b ).

I submitted a formal dispute to the credit bureaus and am attaching that letter. I request that the CFPB ensure this account is removed from my reports immediately due to its unverifiable and erroneous nature.

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 2025-07-24 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: MS

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 XXXX XXXX, which falls under XXXX  according to Trafficking-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 )

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 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Business Processing Solutions, LLC
State: PA

Complaint narrative:
Debt collector called me claiming to be from PAM they asked me to verify my identity i asked what this is regarding. They then told me the it was an attempt to collect a debt on a toll in XXXX and the amount it was. I said i never verified my identity and what you just did, sharing that, was against the law. I told her i needed to speak to a XXXX to make the complaint and to make sure no calls come back she put me on hold. Then came back asked me to verify my identity i refused then she put me on hold came back tried to say i did verify it, i denied that then put me on hold and then hung up on 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 explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I received a credit report from them and there are some companies that I'm unfamiliar with. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! The U.S. Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer 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