vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: CA

Complaint narrative:
I submitted a complained and in their response dated XX/XX/XXXX -- EdFinancial did acknowledge an error in the financial summary they sent me. Here 's a quote from their response : " We apologize for an error in the financial summary that was sent on XX/XX/XXXX and we have corrected the issue and enclosed an updated financial summary on your account from XX/XX/XXXX to present. As stated in a previous response, our records confirmed that XXXX should have been processed with the initial date of XX/XX/XXXX with the verbal authorization. We apologized for the mistake and backdated the 0.00 % interest subsidy to begin on XX/XX/XXXX. 

However, they still did not correct the total balance of my student loan in the EdFinancial website to reflect the updated financial summary they sent. I reported it to their customer support but I am not getting any resolution aside from being told they will look into the issue. They have already looked into the issue, found an error, apologized for the error, but failed to implement the correction to the error. 

If you go to the Printable Account Information in the EdFinancial website, the figure in the total interest is still off by more than {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: NY

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report fraudulent information appearing on my Experian consumer XXXX credit report which I do not recognize as reported and which is the result of identity theft and fraud. At this time, I am requesting that Experian remove all fraudulent accounts, inquiries, and any related information from my credit file. 

The fraudulent account consists of an account opened at XXXX XXXX under account number XXXX, Date Opened : XXXX. 

This inaccurate account has resulted in damaging and misleading information appearing on my Experian credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand that Experian block the reporting of all such fraudulent information from my consumer credit file and ensure that no reinsertion occurs without full compliance with federal law.

I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove the following fraudulent account, including any related collections, charge-offs, late payments, and hard inquiries, that was added to my credit report without my knowledge or authorization. This account is the direct result of fraudulent activity and not any legitimate consumer transaction. 

This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, with a reported balance of {$730.00}. 

This account was added without my knowledge or authorization and is the direct result of fraudulent activity, not any legitimate consumer transaction. In support of this request, I have provided a valid FTC Fraud Report ( Incident XXXX XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Experian data breach.

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 2025-10-09 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Lenders are still seeing dispute remarks. I need a compliance condition code removal letter confirming all dispute/comment codes have been fully deleted from all versions of my credit file. Have spoke with Experian Transunion and Equifax for weeks and problem still persist.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Lenders are still seeing dispute remarks. I need a compliance condition code removal letter confirming all dispute/comment codes have been fully deleted from all versions of my credit file. Have spoke with Experian Transunion and Equifax for weeks and problem still persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I have an escrow account with Mr. Cooper to pay my taxes and insurance. My summer taxes due on XX/XX/year> have not been paid. The amount due was {$5300.00} but Mr. Cooper sent the wrong amount. My city of XXXX, MI sent the check back to Mr. Cooper. I called to complain on XX/XX/year> but Mr. Cooper had to inquire with XXXX the company that handles the paying of customers taxes. On XX/XX/year> I noticed that Mr. Cooper had paid {$3900.00} to XXXX. On my statement it said I was a negative {$2800.00} in my escrow. I called Mr. Cooper and they said they couldn't find the money from the original payment. Today I noticed the {$3900.00} disappeared. I am not getting any answers. In the mean time my taxes are not being paid. I am just getting the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 FRAUDULENT INQUIRIES : XXXXXXXX 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 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report includes late payment entries that I believe are incorrect. In line with 15 USC 1681e ( b ) and 15 USC 1681i, the report must contain only data that is accurate, complete, and verifiable. I request verification of these entries, and if they can not be substantiated, they should be updated or deleted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX 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 2025-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There was a fradulent transaction from XXXX XXXX for an XXXX XXXX  ticket. I never received the ticket anyway, I reported it as fraudulent they said they would work with my bank and that I should file a dispute with my bank. I filed the dispute with my bank and they denied it because they stated that it was proved to be real. However, I have all the receipts of conversations between me and XXXX and them claiming that they have marked it as fraudulent meaning I would not obtain the ticket and would receive my money back because they would cooperate. My bank is Capital One. In fact I have attached an image, the only concert tickets that are visible on the app is XXXX XXXX. Not XXXX XXXX, which means they flagged it as fraudulent but did not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
Per federal law, the disputed accounts must be eliminated within the allowed timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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:
I am filing this complaint because all three major credit reporting agenciesEquifax, Experian, and TransUnionare reporting inaccurate, incomplete, and unverified information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite multiple mailed dispute letters sent to each bureau in XX/XX/year>, they have failed to provide verification or remove inaccurate and unauthorized information. These errors have damaged my creditworthiness and interfered with my ability to secure credit and housing. 

Unverified and Inaccurate Accounts Several accounts ( including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain on my reports despite being inaccurate, unverifiable, or falsely reported. 

I specifically requested validation of these accounts under FCRA Section 609 ( a ) ( 1 ) ( A ) and FDCPA Section 807, but none of the bureaus provided original signed contracts or applications proving their legitimacy. 

Identity Theft Accounts Accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were opened without my authorization. I am a victim of identity theft and have already submitted an FTC Identity Theft Report to support this claim. These should be immediately removed from all credit reports. 

Unauthorized Hard Inquiries Each bureau lists multiple inquiries I never authorized, including inquiries from companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others. 

These constitute violations under 15 U.S.C. 1681b ( Permissible Purpose of Consumer Reports ) and 1681n for willful noncompliance. 

Medical Debt Reporting Violations Medical-related accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violate 15 U.S.C. 1681a ( 2 ) ( b ), which restricts the inclusion of certain medical information on consumer reports. 

Incorrect Personal Information Outdated and inaccurate personal dataincluding former addresses, incorrect employers, and unrelated locationscontinue to appear across all three reports. This violates FCRA 607 ( b ), requiring reasonable procedures to ensure 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 explanation
Consumer complaint received 2025-10-09 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 all three major credit reporting agenciesEquifax, Experian, and TransUnionare reporting inaccurate, incomplete, and unverified information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite multiple mailed dispute letters sent to each bureau in XX/XX/year>, they have failed to provide verification or remove inaccurate and unauthorized information. These errors have damaged my creditworthiness and interfered with my ability to secure credit and housing. 

Unverified and Inaccurate Accounts Several accounts ( including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain on my reports despite being inaccurate, unverifiable, or falsely reported. 

I specifically requested validation of these accounts under FCRA Section 609 ( a ) ( 1 ) ( A ) and FDCPA Section 807, but none of the bureaus provided original signed contracts or applications proving their legitimacy. 

Identity Theft Accounts Accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were opened without my authorization. I am a victim of identity theft and have already submitted an FTC Identity Theft Report to support this claim. These should be immediately removed from all credit reports. 

Unauthorized Hard Inquiries Each bureau lists multiple inquiries I never authorized, including inquiries from companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others. 

These constitute violations under 15 U.S.C. 1681b ( Permissible Purpose of Consumer Reports ) and 1681n for willful noncompliance. 

Medical Debt Reporting Violations Medical-related accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violate 15 U.S.C. 1681a ( 2 ) ( b ), which restricts the inclusion of certain medical information on consumer reports. 

Incorrect Personal Information Outdated and inaccurate personal dataincluding former addresses, incorrect employers, and unrelated locationscontinue to appear across all three reports. This violates FCRA 607 ( b ), requiring reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
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 2025-10-09 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: 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 2025-10-09 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: FL

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure 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 explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My PayPal account randomly got " permanently closed '' this morning with literally 0 warning or anything. I recently added direct deposit to my PayPal and it deposited my paycheck last night around midnight est. Less than 12 hours ago. As PayPal stated to me I have had this account in good standing for over 7 years with 0 problems. Alls they will say is stuff about the user agreement and are extremely vague and nondescriptive. They refuse to escalate the situation and will not provide reasoning. They just say no. They absolutely refuse to do or explain anything and I have pretty much my entire life tied into PayPal. Theyre holding my paycheck that just got deposited that I worked for for no reason. 180 days is unacceptable for a holding period for possible chargebacks ive never even filed before. It is also unacceptable to just randomly delete a good standing account for no reason and then to steal their money and " hold '' it for nothing. This is 100 % theft and every single transaction ive ever done on PayPal is legitimate. I am a resident of Pennsylvania and have been my entire existence. The very small amount of gambling I do via PayPal is on legitimate widely known sites that are all legal in Pennsylvania and all accept PayPal. Ive never done a workaround or violated rules to get a payment to go through either via depositing or withdrawing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: AZ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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