vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should 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 2025-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Lincoln Financial Services
State: MA

Complaint narrative:
On Friday, XX/XX/year> I had a payroll deduction of over {$400.00} to be deposited into my Lincoln financial  account XXXX  and as of today it still has not been posted. Does not reflect the monies that have been taken out of my payroll check although the money has already been deducted.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: 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 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 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-04-15 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NJ

Complaint narrative:
On XX/XX/ 2025, I made my XXXX qualifying payment towards Public Service Loan Forgiveness. I received verification of this from Federal Student Aid.gov. that no further payments are due. However, the servicer, Mohela, refuses to acknowledge this no matter how many times I reach out. I was able to put my account into forbearance for 2 months to work this out, but today I received a letter from Mohela with an entirely new schedule of payments starting in XXXX. I have called and stayed on hold for as long as 90 minutes, never to reach a live person. I can not get FSA to connect to Mohela to resolve the fact that I no longer have any payments due and that my loan is forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On Friday, XX/XX/XXXX, I tried to send money ( {$1900.00} ) via XXXX to pay a XXXX for work done to our house, from my Ally spending account. The transaction was blocked and the app said I needed to contact Ally in order to complete the transaction. I called Ally, and I was asked to verify an external account I had recently linked, but I was unable to do because I was driving at the time. I was told to call back and that as soon as I could verify it everything would be okay. Once I got off the road, I called back and was able to verify the external account. After working with their customer service and fraud prevention teams for an hour and a half I was told that the real problem was because we had funded the account from my wife 's external account and I only needed to add my wife to the account and everything would be okay. I completed the form to add an additional account owner and emailed it directly to their fraud department as I was directed on Saturday, XX/XX/XXXX. It is now Tuesday, XX/XX/XXXX, I am still completely locked out of my account. The fraud department person I spoke to today is now saying that it will be 3-5 days for them to review and verify everything before they can add my wife and allow me to access my account.

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 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I have recently disputed a couple negative accounts on my report. I have requested they provide information that they have connecting e to the debts so I can have a better idea of how to get these items removed. So far, I have not received any information, and it has been over 90 days. At this point I am requesting these account be completely removed from my credit report.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ok XX/XX/2025 I sent a certified letter to Experian to dispute incorrect personal information on my credit report. Experian received and sign for the certified letter on XX/XX//2025. They sent me an email on XXXX/XXXX/2025 stating the following We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request and now they refuse to honor my dispute and correct the incorrect personal information. I have receipts that show when I was the one that sent the certified letter, I was the one that requested that dispute not a third party company like they claim. They done this multiple times in the past when I sent them letters disputing incorrect items on the credit report.

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 2025-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Lac Courte Oreilles Financial Services II
State: NC

Complaint narrative:
I initially took a {$500.00} loan I paid XXXX payments of {$130.00} which is {$390.00} I took out an additional {$500.00} loan ( {$1000.00} loan ) and made XXXX payments of {$270.00} which is {$1300.00}. Combined payments are {$1700.00}. This company charges an excessive amount of interest. Unfortunately I lost my job on XX/XX/scrub>/25 and I am unable to pay on this loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 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: Nelnet, Inc.
State: MD

Complaint narrative:
Creditor : DEPTEDNELNET Date : XX/XX/XXXX Amount : {$2000.00} Creditor : DEPTEDNELNET Date : XX/XX/XXXX Amount : {$4000.00} Creditor : DEPTEDNELNET Date : XX/XX/XXXX Amount : {$2000.00} Creditor : DEPTEDNELNET Date : XX/XX/XXXX Amount : {$2000.00} Creditor : DEPTEDNELNET Date : XX/XX/XXXX Amount : {$1700.00} Creditor : DEPTEDNELNET Date : XX/XX/XXXX Amount : {$5100.00} Creditor : DEPTEDNELNET Date : XX/XX/XXXX Amount : {$5500.00} Creditor : DEPTEDNELNET Date : XX/XX/XXXX Amount : {$4000.00} Creditor : DEPTEDNELNET Date : XX/XX/XXXX Amount : {$2000.00} Creditor : DEPTEDNELNET Date : XX/XX/XXXX Amount : {$3500.00} Creditor : DEPTEDNELNET Date : XX/XX/XXXX Amount : {$5500.00} Creditor : DEPTEDNELNET Date : XX/XX/XXXX Amount : {$2000.00} Creditor : DEPTEDNELNET Date : XX/XX/XXXX Amount : {$1300.00} Creditor : DEPTEDNELNET Date : XX/XX/XXXX Amount : {$20000.00} Creditor : DEPTEDNELNET Date : XX/XX/XXXX Amount : {$15000.00} In accordance with the Federal Credit Reporting Act, this creditor XXXX XXXX XXXX  has violated my rights. Under 15 U.S.C. 1681, Section 602, I have the right to privacy. Additionally, under 15 U.S.C. 1681, Section 604A, a consumer reporting agency can not furnish an account without my instructions. Furthermore, under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I received a call from Rocket Mortgage wanting to discuss a mortgage review. It was never stated they were going to try and seek out a refinance. There are many issues with what has happened. I'm not on the loan so I should never have been contacted about anything regarding this loan. I ended up stopping the call with the representative and told them to call me back at a time I would be more available so the call was never finished ( I advised of a time when I was at home with my husband present since it's his loan ). Today my husband logged into his loan and sees that they are " working to close '' on a loan. At no such time did I state I wanted to refinance in addition I have no authority with this loan as I'm not on it. My husband called them to discuss this invasion of his privacy ( they should not be talking with me about a loan I'm not on ). They stated to my husband as a spouse they could talk with me as long as I confirm. The call I received they never even asked what my name was when I answered and they indicated they were doing a mortgage review. So # XXXX I could have been anyone not the spouse of the mortgage holder. # XXXX I'm not on this mortgage. # XXXX They never stated anything about a refinance just that they were doing a mortgage review. All of this is quite shady in my opinion and they need to have some ramifications. I also have additional concerns that they possibly pulled a credit report on myself or my husband about this when I never agreed to anything with any changes to my loan. I will be calling XXXX of the credit reporting agencies as well to see if they pulled a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Americas Car-Mart, Inc.
State: MN

Complaint narrative:
I had purchased a vehicle from a car dealership known as Americas CarMart, everything was great until I missed a payment then the harassment started they started calling family members threatening them stating they would be held liable for my debts. I have continued to beg them to not call my family members but they still do. I have asked them to just come get the vehicle they state they don't do that and offered a plan for monthly payments instead of bi weekly they continue to try and get payments every 2 weeks even though there is a new agreement in place with the XXXX of collections. I need help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NC

Complaint narrative:
In the month of XXXX my student loans with EDfinancial were reported 90 days late. XXXX, XXXX and XXXX were the months accounted for as being late. I spoke with XXXX and submitted documentation for my loans to go into forbearance and XX/XX/XXXX25 my request was denied as my loans are already in forbearance until XX/XX/XXXX25 ( letter attached ). I submitted a dispute with XXXX  and it was approved on XX/XX/XXXX25 as they were able to see the loans were in deferment. I contacted XXXX  mentioning they made a mistake and still have XXXX of my loans reporting as 90 days late for the month of XXXX. The XXXX  understood that the loan couldn't be 90 days late if the past 3 months were with green checks indicating on time payments for the last 3 months ( picture attached ) and shown as being paid on time. The next day I received an email from XXXX  stating the 90 day late payments were adjusted for XXXX as being on time and corrected ( picture attached ). The update has not been fixed as the loans are still reporting 90 days late. There's discrepancy in the report as XXXX  was adjusted but reporting all XXXX loans 90 days late for the month of XXXX but has payment history for the month of XXXX, XXXX and XXXX but indicating the last 3 months there was no data to report ( picture attached ), but reported January 90 days late. XXXX  is accounting XX/XX/XXXX loans being 90 days late and has it reported for the month of XXXX while XXXX  is reporting XX/XX/XXXX loans being 90 days late reported in the month of XXXX. The pictures attached show that all months has been identified as having no data for the last 3 months, how are they reporting them 90 days late. This has been beyond frustrating and affecting my life tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2025-04-15 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: IN

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 2025-04-15 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: IN

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 non-monetary relief