vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/year> I received a text saying ~ '' thanks for signing up for text messages '' or something of that nature. This came from XXXX XXXX. I never applied for a card from XXXX XXXX. It showed on my credit reports as well soon after. I contacted the company all within the same day and their investigators will take care of it. I did not ask for any info because I didn't think they had any. They just told me it was a venture card.

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 2025-08-15 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: IN

Complaint narrative:
On XX/XX/year> I received a text saying ~ '' thanks for signing up for text messages '' or something of that nature. This came from XXXX XXXX. I never applied for a card from XXXX XXXX. It showed on my credit reports as well soon after. I contacted the company all within the same day and their investigators will take care of it. I did not ask for any info because I didn't think they had any. They just told me it was a 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 2025-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am wanting to dispute the reporting of a XXXX late payment for my student loan account with Aidvantage. At the time this mark was reported, I was serving on XXXX XXXX XXXX  orders. During this period, I did not receive any billing statements or notices from my loan servicer regarding resumed payment obligations or past-due amounts. I spoke with Aidvantage and they confirmed my account should not have been reported as delinquent and have since corrected the account to reflect a current status. It also states on my credit report that my last payment was XXXXXXXX XXXX XXXX and why is it showing 90 days past due when it is XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: TN

Complaint narrative:
Not sure who what it's about. Received email from my HR department that they were trying to get money from my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-15 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: CA

Complaint narrative:
I am filing this complaint because Equifax continues to report inaccurate information on my credit file even after I have disputed it multiple times. 

The account in question is a XXXX account, number XXXXXXXX XXXX XXXX XXXX XXXX  with a reported high balance of {$2100.00} and an opened date of XX/XX/2018. Equifax is reporting late payments on this account, but I have never been provided with any documentation showing that these late payments are valid. 

I have disputed this account with Equifax before, but they have not corrected the record or provided me with proof such as billing statements, account history, or other records to support the negative information. Instead, the late payments continue to be reported without verification. 

This inaccurate reporting is damaging my credit, lowering my score, and preventing me from being able to access fair credit opportunities. I am asking the CFPB to step in and require Equifax to either provide valid proof of the late payments or to permanently remove the negative reporting from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information on my credit report as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I have been trying to access my PayPal account for the last 2 months due to theft of my account. Since then I have not been able to log in change my address access a new debit card access my funds access my funds via Paypal app or any type of access. I have my social security income check deposited into my PayPal account and have not had access to two months worth of payment. I have called every day and have escalated and have gotten nowhere for the last 2 months of following instructions of what they say to do and not to do give them time frames they don't produce. I am without option of anything else of cash wise and have been unable to pay my bills and losing my things because I can not access my funds. Can I please get some help?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: IN

Complaint narrative:
I recently reviewed a copy of my credit report and i noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: NV

Complaint narrative:
I am writing regarding my student loan account for my time at XXXX XXXX XXXX. As you are aware, XXXX XXXX has been closed due to widespread fraud and misleading practices, which have significantly impacted my ability to benefit from the education I was promised. 

I am currently experiencing severe financial hardship and have no viable means of repaying this debt. My income is either nonexistent or insufficient to meet basic living expenses, and repayment of this loan is not possible without causing further financial instability. 

Additionally, I have been receiving repeated and harassing phone calls from Mohela representatives regarding repayment. I am requesting in writing that all communication be limited to written correspondence only, as permitted under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
Over a period of a year CBVH appears to be located at XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX XXXX XXXX their reference account is XXXX. They appear to be collecting a debt from a patient named XXXX XXXX owing a medical provider XXXX  in the amount of XXXX which based on their own writings XXXX XXXX is not responsible for. Furthermore the telephone number they repeatedly robocall daily belongs to XXXX XXXX a XXXX XXXX XXXX man with no debt of any kind. The telephone is used for medical doctors and nurse only unlisted number XXXX XXXX XXXX sent an email of writing of some kind that she is not aware of any debt owed, expressed that lacked knowledge of alleged debt owed would like all communication to cease and desist from CBHV of any kind telephonically or electronically to her myself and especially a XXXX XXXX XXXX man. We also expressed this verbally several times. The company persists with harassing annoying and creating great distress to all parties especially the telephone line which belongs to XXXX XXXX XXXX man. We are seeking final resolution to our XXXX party request to cease and desist from calling any family members or us personally telephone or electronically. XXXX XXXX further express written and implied that he is not responsible for XXXX XXXX alleged debt. We are asking that all statutory and punitive penalties be imposed after a long and arduous battle yo to try and reach a voice of reason through the CFPB. Let this also be formal notice for a XXXX party CEASE AND DESIST from robocalls telephone calls and collections efforts as the are unknown lacking knowledge of any debt and XXXX XXXX is not responsible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Bank errors in billing and credit reporting have harmed my credit. Under TILA ( 15 U.S.C. 1666 ( b ) ), creditors must accurately record payments and credits. My payments were not properly applied, there are calculation errors, and I did not receive the required 21-day notice before payment was duemaking any late marks invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
I am submitting this complaint against Equifax for not taking the required action on my repeated disputes. I have mailed several dispute letters with complete supporting documents, including my identity theft report, to address accounts that are fraudulent and not mine. These accounts continue to be reported despite my repeated submissions. I have now created an updated identity theft report for these same accounts. Equifaxs refusal to remove these inaccurate accounts violates my rights under the FCRA and has caused significant damage to my credit profile. I demand their immediate deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: IA

Complaint narrative:
INACCUARTE ACCOUNTS ARE REPORTING TO MY CREDIT FILE

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 2025-08-15 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: IA

Complaint narrative:
INACCUARTE ACCOUNTS ARE REPORTING TO MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: OK

Complaint narrative:
I have sent multiple written requests since XX/XX/XXXX to Lincoln Automotive Financial Services requesting a complete accounting and documentation related to a XXXX vehicle loan that was repossessed in XX/XX/XXXX. My requests have asked for the final loan balance as of the repossession date, a full breakdown of fees, the sale proceeds, whether XXXX insurance was applied, and a clear deficiency calculation. 

While the company provided a statement of sale and limited records, they declined to respond to my full request and referred to prior communications. I also received updates on my credit reports stating " consumer disputes after resolution '' and " completed FCRA dispute consumer disagrees, '' although I never filed a disputeonly documentation requests. 

To date, they have not provided the full legal documentation required under XXXX XXXX and XXXX, the Fair Credit Reporting Act ( FCRA ), and other applicable laws. I am requesting that XXXX be required to provide a full accounting, including contract documents, fees, sale details, deficiency explanation, and XXXX insurance records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had just opened my account with Capita one Mastercard and received my credit card and made a couple of purchases. I attempted to log in to my account online and it wouldnt let me, I needed to add my phone number in order to verify. I attempted to add my number but it wouldnt let me do it online. I waited for my monthly statement and it never arrived. I had no access to my account and werent able to see when my first payment was due. I called capital one and they said that my payment was not yet due, but that they were going to send an email so that I could verify my account. I did not receive any other email nor a statement weeks later. I called again and spoke with an associate and they said that I needed proof it was me so I provided my social security number, answered 10 questions correctly, and stated that I was verified but they said they still needed more and needed to follow the instructions in a text they were going to send me. They asked for a copy of my drivers license, which I provided a front and back copy of my valid drivers license. They said they needed more, that I needed to send them a selfie of me. I refused to provide a selfie because I had provided my social security number, answers to 10 security questions, and photos of my valid US drivers license, and felt uncomfortable sending a selfie. I have never been asked this before. They refused to provide immediate access to my account. They also said that I was going to be charged a late fee and that they would not remove it. At this point I still have no access to my account and they want a cashiers check or money order as payment with the late penalty fee added. This does not seem as customary as I have had credit cards for XXXX years and never had to provide all this including a selfie. I believe they are holding my account so that they can charge a late fee. This does not seem right. I would like access to my account so that I can make my full statement balance payment and eventually close this account because theres something not right about this company. Im concerned about them not letting me access my account and repeatedly affirming that I will have to pay a late fee and that they cant remove it, even though I have no access to my account and I have yet not received my first credit card statement by mail or in any other way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1581e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Accounts : 1. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1581e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Accounts : 1. 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