vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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 recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information XXXX have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CARD XXXXXXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
I never received an initial letter from the company identifying that they are now collecting a debt owed to my prior landlord. I requested information from my landlord for weeks and once finally received recently, I reached out to them via phone to set up a payment plan. I spoke to a supervisor named XXXX XXXX who was very hostile and unprofessional. I requested an email to send a debt validation letter. It has not been 30 days since my request which was XX/XX/year> and I received a noticed today that my account with them is now in collections. The company is called Qualia Collections Services aka Optio Solutions LLC. They are not licensed on the XXXX Consumer access website to collect debt in the state of Texas. Also, when they received my debt validation letter, they did not cease any debt collection acts during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 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 2025-08-21 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: FL

Complaint narrative:
On XX/XX/year>, I disputed an XXXX XXXX account ending XXXX. On XX/XX/year>, Equifax responded that the item you disputed isnt currently on your credit report. This was false the account still appears on my report. 

Equifax simply relied on XXXX confirmation and failed to conduct a reasonable reinvestigation, violating FCRA 611 ( a ) ( 1 ). Equifax also failed to delete unverifiable information under 611 ( a ) ( 5 ) and violated 607 ( b ) by allowing misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding PNC Bank, account ending in XXXX. 

A late payment for XXXX/XXXX/3025 was reported on my credit report, but this is inaccurate. I made the payment on XX/XX/year>, before the due date, as shown in the attached bank statement/confirmation. Despite providing proof, the creditor has failed to correct the error. 

I have disputed this with the credit bureaus, but PNC Bank incorrectly verified the late payment. 

Under the Fair Credit Reporting Act, creditors are required to ensure accurate reporting. I request that this inaccurate late payment be removed and corrected with all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: FEDChex Recovery, LLC
State: GA

Complaint narrative:
Issue : This is a fraudulent debt and the result of identity theft. 

I am a victim of identity theft. This complaint concerns a debt that XXXX is attempting to collect from me. This is a fraudulent debt opened in my name without my consent and is a direct result of the identity theft I reported to the police under Case # XXXX on XX/XX/year>. I have no relationship with the original creditor, XXXX XXXX, XXXX XXXX, and I do not recognize this debt. 

Provided Account Information : Customer : XXXX XXXX Account number : XXXX Amount : {$170.00} Original Creditor : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: EQUIFAX, INC.
State: PR

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Equifax under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), providing my official FTC Identity XXXX Report and requesting the immediate blocking of fraudulent accounts. By law, the agency was required to block the disputed information within XXXX ( XXXX ) business days. 
Instead of complying, the bureau simply verified the account using internal data from the furnisher, without providing any written certification, signed contract, or details of the investigation, as required under FCRA 611 ( a ) ( 7 ) and 609 ( a ).

More than 30 days have passed, and the fraudulent account still remains on my credit file. This constitutes a violation of FCRA 605B, 611, and 607 ( b ), as the agency failed to : Block the information within the required XXXX period. 
Provide the results of the reinvestigation and the verification procedures. 
Remove unverifiable information from my report. 
As a result, my credit score remains artificially low, I have been denied credit, I am forced to pay higher interest rates, and I continue to suffer financial and reputational harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
So I feel the GM financial has changed their accounting process on my car loan to my detriment. Starting in around XX/XX/year> the statement in the upper right hand corner reflects for XXXX a {$51.00} unpaid interest balance. I have actually called twice on that because it used to not be on the statement it makes it sound like XXXX not paying all of my interest although it does say reflects accrued but unpaid interest as of the day, following the statement date, well, it XXXX be accrued but unpaid interest, but when I make my payment, XXXX paying the interest? So Ive called twice on this situation. The first time I called they had somebody I couldnt speak XXXX very well we didnt get anywhere so I called the second time today, XX/XX/XXXX around XXXX XXXX Eastern time I got another gentleman who was hard to understand because he wasnt XXXX First his name was XXXX And he was trying to explain to me that what they changed the way their processing their payments, which started apparently in XX/XX/year>, so when they get the payment when they get the payment, they process the payment and you pay the interest due but because its still a accruing interest until the first of the month or the next payment due, theyre reflecting it on there as unpaid interest until the next due date? Well, I feel that by them changing this process that theyre screwing me somehow and getting more money because in the past when I made my payment payments which I would make generally more than the required payment, the actual payment was going down on how much I had to pay, but its not doing that anymore Because XXXX saying that I owe them interest? If they can reflect how much interest you owe until the next due date, then they should take it out of the payment, but apparently theyre not doing that so I feel that theyre screwing me over. Theyre making more money because that payment is not reducing that interest due until the next due date. And of course I got their customer service people trying to explain it that well. You paid your payment early but you know you still owe interest on it till the due date and we take interest out daily so its gon na keep accruing interest even after we got that payment Which I understand that! But if they know what XXXX gon na owe until the next due date, then they should take it out of that payment like they were doing. This loan is XXXX years old. They cant do that to me. And its like the people answering the phone. XXXX understand how this is wrong. It makes it sound like XXXX not paying all of the interest due up to the next due date. You know how much more money GM financial is making on people when theyre doing their accounting and loan this way millions billions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information XXXX have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AUTO 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
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
These debt XXXX violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( XXXX ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt XXXX use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was doing banking online with US Bank. I have a XXXX XXXX Credit card through US Bank. I put a charge of {$4100.00} on this card and when I was looking at the statement, I read a statement under the charge that said extended pay. I called USBank Credit Card department and asked if there was any interest on this and they said no. 
I selected XXXX of several options. It was for 24 months. When I received the e mail from US Bank, I read that there was a {$36.00} ; XXXX Monthly fee. Thats equivalent to a 18 % interest rate a month approximately. I did not see this when filling out the form, I called US Bank Credit Card department again and asked where this was and she said that it was in the terms and condition 's part. As normal people do, I checked the box off. 
Most people do not read the terms and conditions. 
I never have seen a fee included in the terms and conditions forms. when talking to them I asked to cancel this out and they said you can't. The only way to cancel this out is to pay it off. 
I feel that this is very sneaky and deceiving.

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 2025-08-21 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: TX

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 XXXX 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 2025-08-21 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: OR

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on 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 non-monetary relief
Consumer complaint received 2025-08-21 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
My loans were forgiven XX/XX/XXXX but I was notified on XX/XX/XXXX and had paid for those 6 months. Per all documents from MOHELA I should receive repayment of the overage which totals {$6100.00}. 
I called on XX/XX/XXXX and was told that I would receive a direct deposit after XXXX business days which would be XX/XX/XXXX. I called again on XX/XX/XXXX and talked to XXXX who told me to allow more time because MOHELA backed up and to check in again at the end of the month. I called on XX/XX/XXXX and was told a check was cut on XX/XX/XXXX but I have not received a check and XXXX did not mention when I called on XXXX. I was sent to a supervisor where the phone wait was XXXX hours and XXXX minutes, I waited as long as I could but I work full time and could not stay on the phone that long. I called again XX/XX/XXXX was told again that I had to wait for a supervisor, the wait this time was XXXX hours and XXXX minutes. I waited the entire time and no one picked up and then it disconnected on me. I have tried contacting them via their website and the contact us portion will not load once I have put my message in. 
Per the MOHELA documentation I have it states : " If applicable, we'll process a refund for any payments made towards the loans listed above after the effective date of this forgiveness. Any refund will first be applied to the outstanding balance of any remaining loans. If you do not have any remaining loans the refund will be sent to you directly. ''

Company response to consumer: Untimely response
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I am writing to formally dispute the collection account that XXXX XXXX is reporting to the credit bureaus regarding an alleged debt from XXXX XXXX XXXX. Upon recently reviewing my credit reports for the intention of purchasing a home, I was shocked to find this collection listed. I have no knowledge or record of ever holding an account with this company, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of 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 2025-08-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have a duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: GA

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 XXXX 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 2025-08-21 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: CO

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 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