vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am in the process of purchasing a car and the lender informed of this negative item on my credit report. 15 U.S.C 1681 States that my report should be free of error and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: CA

Complaint narrative:
XXXX XXXX Sallie Mae Predatory Student Loan Lending I am the co-signer on my daughters Sallie Mae private student loans for her XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Despite my excellent credit history, Sallie Mae approved the loans at XXXX XXXX XXXX XXXX XXXX XXXX XXXX effective ) anXXXX XXXX XXXX XXXX XXXX XXXXXXXX loan, the principal was {$50000.00}, but the origination document shows a total repayment of {$130000.00} nearly triple the original amount. Over {$19000.00} in unpaid interest accrues XXXX XXXX XXXX XXXX XXXXayment period before repayment even begins. 

At the same time, Sallie Mae advertises rates as low as XXXX XXXX XXXX XXXX XXXX XXXX XXXX  variable APR ( screenshot attached, valid XX/XX/year> ). This is a classic bait-and-switch. They lure borrowers and families with competitive rates but then assign double-digit rates even when a qualified co-signer is present. 

The harm is severe : My credit score dropped significantly from excellent to barely good simply because I co-signed, undermining years of work to build credit as an XXXX XXXX XXXX XXXX 
My daughter, only XXXX, is now saddled with predatory debt that XXXX XXXX XXXX XXXXan realistically repay without lifelong financial damage. 
Sallie Mae profits nearly {$90000.00} in finance charges from XXXX {$50000.00} loan, exploiting both the student borrower and the co-signer parent. 

This is deceptive, unfair, and abusive. 

XXXX Required : XXXX. Investigate XXXX XXXX rate assignment practices and advertising claims. 
XXXX. Require a full explanation of how XXXX XXXX XXXX XXXX XXXX  were assigned despite a qualified co-signer. 
XXXX. Mandate a rate reduction to align with Sallie Maes publicly advertised competitive range.

4. Enforce protections to prevent Sallie Mae from continuing these predatory practices against other students and families. 

Attachments : XXXX. Origination document XXXX XXXX XXXX XXXX XXXX 
XXXX. Sallie Mae advertisement XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX documentation showing the drop after co-signing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  confirmed all objectively verifiable inaccuracies must be correcteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) held no entity is immune from FCRA liability ; and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Newport Intermediate Inc.

Complaint narrative:
After clicking on a phishing link ( a notorious problem with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, at XXXX, XXXX usd was sent from my XXXX XXXX XXXX XXXX XXXX XXXX  to XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/year>, XXXX, XXXX usd was transferred to another account. 
On XX/XX/year>, XXXX, XXXX usd was transferred to another account. 

Northlane, which operates XXXX XXXX  refunded the XXXX usd sent through XXXX XXXX but refused on the XXXX XX/XX/year>, to refund the rest after opening a case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AR

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: DE

Complaint narrative:
On XX/XX/year>XXXX XXXX XXXX XXXX XXXX I was charged {$250.00} by XXXX * XXXX XXXX. This charge was unauthorized and not made by me. I immediately reported it as fraudulent and requested that the charge be removed. 

On XX/XX/year>, I received a temporary credit for {$250.00}. However, on XX/XX/year>, the company removed that credit and reapplied the charge. I have repeatedly stated that this transaction was not authorized by me and asked that the charge remain removed and that I be issued a new card number. The company has not done so and has not provided any proof of the transaction. Nor have the reopened my dispute claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was approved for a secured capital one credit card I've had it for a little over a year, this past month they cancelled my card with no explanation they could give over customer support?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CT

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: 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 2025-10-01 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: CA

Complaint narrative:
I am contacting you regarding inaccurate information being furnished to the credit reporting agencies in connection with my account. My XXXX XXXX account is being reported twice on my consumer credit report, creating a duplicate entry. I am an authorized user on my wife XXXX XXXX account, but this account is reporting twice on my consumer reports. 

This duplication is inaccurate, misleading, and negatively affects my credit profile. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure that the information they report is accurate and complete. Reporting the same account more than once constitutes inaccurate reporting. 

I respectfully request that you investigate this matter and immediately correct your reporting by ensuring that this account appears only once on my credit file. Please remove account # XXXX XXXX XXXX XXXX XXXX from my consumer report. Please do not remove account # XXXXXXXXXXXX XXXX XXXX XXXX XXXX 

Your company is in violation of the FCRA, I demand this account be deleted from my consumer report. According to 15 USC 1681 if any information is being reported inaccurately, I have the right to get it corrected or deleted from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

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 2025-10-01 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: AL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

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 2025-10-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Insert if available ] XXXX, GA XXXX Phone : ( XXXX ) XXXX Re : Dispute and Request for Validation Account Number : XXXX Original Creditor : XXXX XXXX XXXX To Whom It May Concern, I am writing pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 to formally dispute the accuracy of the debt you claim I owe. 

According to your records, the alleged debt is as follows : Original Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Original Balance : {$1000.00} Current Balance : {$1000.00} Date Opened : XX/XX/year> Status : Collection account, {$1000.00} past due as of XX/XX/year> This information is inaccurate because your records indicate the balance is both XXXX XXXX  paid off and yet still listed as {$1000.00} past due. Such contradictions call into question the validity and accuracy of your reporting. Under 15 U.S.C. 1692g ( b ), you are required to provide verification of the debt before continuing collection activities. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), it is unlawful to furnish information to credit reporting agencies that is known, or should be known, to be inaccurate.

Therefore, I demand the following : Documentation proving that I am legally obligated to pay this debt. 

A complete itemized statement of the balance, including how the amount of {$1000.00} was calculated. 

A copy of the original signed lease agreement or contract with XXXX XXXX XXXX. 

XXXX that XXXX XXXX XXXX has the legal right to collect this debt in North Carolina. 

Written confirmation that all inaccurate reporting related to this account is corrected with all credit reporting agencies. 

Be advised that until you provide full validation, you must cease all collection activity, including reporting or continuing to report this account. Any attempt to collect without proper validation constitutes a violation of XXXX XXXX. XXXX and XXXX result in legal action. 

This letter is not a refusal to pay but a notice that the debt is disputed. Please respond within 30 days of receipt. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
Since yesterday cash app had me take different step to access my funds such as try sending an usual amount to another account line {$15.00}, try sending a {$1.00} to yourself from your other account, wait XXXX and try again. Nothing worked, then when i finally asked to talk to a live agent they said that they could not give me a reason why I could not have access and that they were going to send the information and my conplaint to their special team however they could only communicate with me trough email and it would take XXXX business days. They did not give me notification prior, I am on the phone with them now and they cant give me a reason and keep telling me I need to wait for a response va email. I am parked at the grocery store trying to buy groceries, buy a money order to pay rent and without gas i. My vehicle because XXXX XXXX have any money. I cant get to work, I cant buy my food, I cant pay my rent and the worst of it all I cant go pick my babies up from day care and cash app can not give me a reason why. Please help me. I have {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I applied for a credit line increase from Capital One on XX/XX/year>. I was denied a credit line increase, and one of the reasons listed was : XXXX of an account that is seriously delinquent or derogatory. 

The credit report they used was from XXXX. I do not have any delinquent or derogatory accounts on my XXXX  credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened a XXXX XXXX XXXX XXXX account under your promotion offering up to {$1500.00}. I deposited {$30000.00} and maintained it for the required timeframe, along with completing the necessary qualifying transactions. However, I only received a {$500.00} bonus when, under the published terms, I should have received {$750.00}. I am missing {$250.00}. 

This is disappointing, as I had been evaluating Citizens Bank as a potential long-term home for my XXXX XXXX XXXX XXXX banking needs. I deliberately waited to see if this promotion would be honored properly before moving more of my banking activity to Citizens. Unfortunately, this error does not instill confidence. 

I want to expand my relationship and move all of my XXXX  banking to Citizens, but I can not do so until this is resolved. I would prefer not to escalate further by filing complaints with regulators or sharing a negative experience publicly. Instead, I would much rather be able to highlight a positive outcome, speak highly of Citizens to my XXXX XXXX and proudly say that you are my bank of choice. 

Please correct the error and credit the remaining {$250.00} so we can move forward on the right footing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-10-01 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with explanation