vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
As I did not approve the opening of these fraudulent accounts, I am exercising my right under USC 1681g to have them removed within 15 days.

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 2025-07-28 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 formally disputing an account that has been incorrectly reported under my name. This account was not opened or authorized by me, and I believe it to be the result of fraud.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
To the Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am submitting this complaint regarding a collection account originally from XXXX XXXX, which was placed with Credit Collection Services and has been fully resolved through a negotiated settlement. 
The original balance was {$1000.00}, and I paid {$850.00} on XX/XX/year> as part of a formal agreement with Credit Collection Services. Despite this, the account continues to appear across all three credit bureaus in ways that are damaging and inconsistent : - XXXX  : Reports " Paid '' but still shows it as a collection ( derogatory ). 
- XXXX  : Reports " Payment after charge-off/collection, '' which is a negative mark. 
- XXXX  : Reports " Account legally paid in full for less than the full balance. '' While the XXXX remark may be technically correct, all three are still treating the account as derogatory, which is unfairly harming my credit score, even though I resolved the debt over four years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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.
State: TN

Complaint narrative:
I started a subscription to Google 's Google XXXX XXXX ( XXXX XXXX  ) for {$21.00} to try it out. I tried it and found that the service is not ready for professional use and cancelled it soon after. I Google 's website says it was cancelled, but they charged my again anyway. Now they will not refund the unauthorized transaction. Furthermore, their website appear to be purposely vague as it does not provide : 1. The date of cancellation 2. An option to dispute charges for a scenario like mine 3. The responses appear to be automated ( AI ) 4. They claim the refund does not qualify due to their policy but fail to provide the reason.

5. A quick search proves that many consumers have had similar issues.

I demand that Google immediately refund this unauthorized transaction.

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 2025-07-28 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-28 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: FL

Complaint narrative:
On XX/XX/XXXX  I tried to log into my XXXX XXXX account, but some one had changed my contact information. I called the bank immediatley. While I was on the phone with the Bank, someone was allowed to remove almost all of my funds., the bank originally denied my fraud claim. After fighting this action daily for eight days they did return my funds. Yesterday, once again, I realized the bank charged back XXXX {$53.00} to my account that they agreed I did not make. I have been trying to reach the bank 's fraud department but they just place me on hold until I can not wait any longer. I am living on my VA dissability as I am XXXXXXXX XXXX XXXX XXXX. I can not afford to lose this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I attempted to obtain my full credit report from TransUnion, but I was denied access due to the presence of one or more disputed items. A TransUnion representative informed me that I could not view or receive my full credit file because of ongoing disputes. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a full consumer disclosure of my credit report, including any items currently under dispute. TransUnions refusal to provide this information is a clear violation of my rights under the FCRA.

I have attempted to resolve this directly with TransUnion, but they have failed to comply. I request that TransUnion be required to release my full credit report immediately and ensure that all consumer rights under federal law are upheld.

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 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I used an Affirm virtual card after being approved for a loan to make a purchase from samsung.com on XXXX, XXXX XXXX. The loan from Affirm to make the purchase, included a {$100.00} as a down payment that was debited to my bank account which is linked to my Affirm account. XXXX canceled the order on XXXX, XXXX XXXX. I received confirmation of the cancelation from XXXX on XXXX, XXXX XXXX  which included the transaction ID of the canceled purchase. Affirm has been refusing to refund my down payment of {$100.00} since XXXX, XXXX XXXX, insisting that I wait until XX/XX/XXXX, for the loan to be cancelled automatically. A previous message ( see Attachments ) from an Affirm supervisor confirms that, once the purchase has been canceled the loan should be cancelled automatically, and my down payment should have been refunded! This is deliberate persecution, holding my money hostage to persecute a XXXX fearing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights 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 2025-07-28 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
Submitted a dispute for my department of education loan on XX/XX/year>XXXX  the results of the investigation came back on XX/XX/year>XXXX  which means they didnt not conduct a proper investigation as to the dispute I filed and would like a proper investigation done in this deleted off my credit profile as it is hindering, my Financial and personal being

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 2025-07-28 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: TX

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 non-monetary relief
Consumer complaint received 2025-07-28 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: TX

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 2025-07-28 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: MS

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights 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 2025-07-28 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: WA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights 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 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against the collection agency 'First Federal Credit Control ' for serious violations of the Fair Credit Reporting Act ( FCRA ), as well as potential HIPAA violations in the case of medical debt. This agency is reporting a collection account under account number XXXX XXXX XXXXXXXX ', with a balance of {$540.00}. The following issues exist : This is a medical collection account reported to XXXX  and XXXX, but not to XXXX. There are conflicting dates of first delinquency, balances, and update frequencies. The account may be connected to a false name, and it was never validated through HIPAA-compliant channels.

Applicable laws being violated include : 15 U.S.C. 1681e ( b ) : Requires credit reporting to be accurate and complete. Reporting false names, duplicate accounts, or inconsistent balances across bureaus violates this section.

15 U.S.C. 1681i : Requires credit bureaus to reinvestigate disputes within 30 days and notify the consumer of results.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Any information that is inaccurate or unverifiable must be promptly deleted or corrected. 
15 U.S.C. 1681s-2 ( b ) : Furnishers of information ( such as collection agencies ) must investigate disputes and delete or correct inaccurate or unverifiable data when notified by a credit bureau .

HIPAA ( 45 CFR 164.502 ( b ) ) : Prohibits unauthorized disclosure of private medical data. Any medical debt reported to a credit bureau must follow minimum necessary standards and can not be disclosed or collected improperly.

15 U.S.C. 1681n & 1681o : These give me, the consumer, the right to pursue civil action for any willful or negligent violations of the FCRA, including monetary damages and attorney fees.

I request that the Consumer Financial Protection Bureau investigate these violations and pressure the collection agency to fully delete all unverifiable and inaccurate information reported on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CT

Complaint narrative:
pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a 2 ( A ) ( i ). I believe the company is in clear violation of the law due to inaccurate reporting of late payments on my credit report.

According to 15 USC 1681a 2 ( A ) ( i ), accurate reporting is paramount to the fairness and transparency of the credit reporting system. Bureaus reporting of late payments is not only inaccurate but also damaging to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: FL

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 XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX 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 : {$670.00} XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$84.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MN

Complaint narrative:
Mohela has not addressed the interest accruing on my account. They do not have any idea what they are doing with my loans when it comes to PSLF either. They have mismanaged my loans to accrue so much interest, and I fear they will not take it off. When I ask them questions via email, I get nothing. Sit on hold forever and I don't have time for that. Dept of education is no better. I have had applications sitting for XXXX years not being looked at. The way they are managing, isn't any better. It is MESSED up to be working XXXX jobs, my husband works XXXX, have old cars, shop used, meal plan do everything we can to save money. I have worked for a PSLF qualified employer for 15 years PLUS a part time job in the mental health field and my loans aren't forgiven. It doesn't make any sense. I don't sleep at night thinking about this and how wrong it is. We might have to sell our home and find out something to make these new payments that might be coming to us unexpectedly! SAVE plan and PSLF would have made it possible to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
Upon reviewing my credit report, I noticed an entry indicating a late payment that does not correspond with my personal records. I have consistently paid my obligations on time and believe this to be an error in reporting.

Company response to consumer: Closed with non-monetary relief