vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: Kriya Capital, LLC
State: GA

Complaint narrative:
15-usc -1681 b Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
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 non-monetary relief
Consumer complaint received 2025-06-02 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
15-usc -1681 b Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcredit collection servXXXX XXXX XXXXcredit collection XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 XXXX XXXX XXXX  accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These XXXX entries are XXXX  and unjust, especially since Ive never XXXX XXXX XXXX  these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) 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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I want to XXXX that I did not give XXXX XXXX  for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be XXXX XXXX XXXX from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these XXXX  entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely, 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 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX filing this complaint regarding a Capital One XXXX  card that was recently XXXX XXXX XXXX XXXX. I didnt receive any warning or notice that it would be XXXX. I later learned that the notice was sent to an XXXX XXXX that I had not updated. Thats my oversight, and I take responsibility but I truly never received the letter and had no idea the account would be XXXX XXXX 

This was my oldest tradeline, and Ive never missed a payment or misused the account. I contacted Capital One immediately upon discovering the XXXX but they declined to reinstate the account. XXXX not asking for a new card just for my original account to be reinstated as a goodwill gesture. XXXX hoping Capital One can make a one-time exception based on my history and the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE XXXX AND NEEDS TO BE REMOVED : XX/XX/year> XXXX XXXX XXXX, XX/XX/year> XXXX OF XXXX, XX/XX/year> XXXX XXXX, XX/XX/year> XXXX BANK, XX/XX/year> 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 2025-06-02 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple XXXX and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-02 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:
b'Please remove all these items:-\n\nADDRESSES:XXXX XXXX XXXX XXXX,TX XXXX XXXX XXXX XXXX XXXX XXXX,IL XXXX XXXX XXXX XXXX XXXX XXXXIL XXXX XXXXXXXX XXXX XXXX XXXX XXXX,IL XXXX XXXX XXXX XXXX XXXX XXXX,IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX,IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,IL XXXX XXXX XXXXINQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI had not checked my Credit report in a long time. I went to the Bank and was informed of these items. I dont know who could have done this. This is identity theft and a nightmare.'

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 2025-06-02 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: TX

Complaint narrative:
b'Please remove all these items:-\n\nADDRESSES:XXXX XXXX XXXX XXXX,TX XXXX XXXX XXXX XXXX XXXX XXXX,IL XXXX XXXX XXXX XXXX XXXX XXXXIL XXXX XXXXXXXX XXXX XXXX XXXX XXXX,IL XXXX XXXX XXXX XXXX XXXX XXXX,IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX,IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,IL XXXX XXXX XXXXINQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI had not checked my Credit report in a long time. I went to the Bank and was informed of these items. I dont know who could have done this. This is identity theft and a nightmare.'

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 2025-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MD

Complaint narrative:
Complaint Against MOHELA Regarding Interest Charges During Forbearance I am filing a formal complaint against MOHELA regarding the improper accrual of interest on my student loans during a mandated forbearance period. Despite previous communications from MOHELA in XX/XX/XXXX and XX/XX/XXXX stating that the loan accounts under forbearance would reflect 0 % interest, MOHELA later clarified on XX/XX/XXXX, that interest would contine to accrue during forbearance. This is both contradictory to earlier assurances and imposes an unfair financial burden on an already substantial student loan debt. 

Key details include : MOHELA 's XX/XX/XXXX and XX/XX/XXXX notices stated that during General Forbearance, accounts would reflect 0 % interest, though this time would not count toward PSLF or IDR forgiveness. 

During the forbearance, MOHELA explicitly noted interest would not accrue but would remain eligible for PSLF and IDR forgiveness. 

On XX/XX/XXXX, MOHELA contradicted prior notices by declaring that interest accrues on my student loans during the forbearance period. 

As a borrower, this unexpected interest accrual violates the principles of fair financial practice and undermines the terms of the SAVE plan on which I had based my financial planning. The inability to opt out of this mandated forbearance without significant repercussions exacerbates the situation, adding undue financial strain to an already substantial debt ( over a quarter of a XXXX dollars owed ). 

I seek resolution to ensure MOHELA adheres to its stated policies and removes unlawfully accrued interest during the forbearance period. Additionally, I request the CFPB to investigate MOHELAs practices to prevent further harm to borrowers in similar situations. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a dispute to Experian regarding my XXXX account ( Account XXXX. XXXX ), which was paid in full on XX/XX/year>. Despite providing a letter from XXXX confirming the payment, Experian responded stating that no changes would be made to my credit report. 

Additionally, it has now been over XXXX months since the account was paid in full, and XXXX has yet to update the credit bureaus to reflect this. I am requesting that my credit report be updated accordingly to show this account as paid in full.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am reporting that Experian continues to report a credit card account as charge-off ( CO ) on a monthly basis, even though the balance is {$0.00} and its marked as Paid in settlement. This account is unfairly damaging my credit report, and Experian has refused to remove it despite two prior disputes.

2. What information do you believe is incorrect or unverifiable? 
Experian is reporting a monthly CO ( charge-off ) status from XX/XX/XXXX through XX/XX/XXXX, which is technically incorrect under the Metro 2 reporting standard.

The account clearly reflects a {$0.00} balance and a settlement, so it should not continue reporting as delinquent. 
I was not provided with : o A copy of the original signed agreement o The verification method used o Any supporting documentation from the furnisher Experian also updated the account in XX/XX/XXXX, which appears to be an unlawful re-aging of the delinquency to extend its reporting time. 
3. Which laws do you believe were violated?

Fair Credit Reporting Act ( FCRA ) : 1681i ( a ) ( 1 ) ( A ) : No reasonable reinvestigation was conducted 1681i ( a ) ( 5 ) : Failure to delete unverifiable information 1681i ( a ) ( 7 ) : No disclosure of the verification method 623 ( a ) ( 1 ) ( A ) : Furnishing incomplete or inaccurate information 623 ( a ) ( 5 ) : Failure to properly report the Date of First Delinquency ( DOFD ) 605 ( a ) : Unlawful extension of reporting period ( re-aging ) Truth in Lending Act ( TILA ) : Misrepresentation of financial terms and charge-off status UDAAP 12 U.S.C. 5531 : Misleading and harmful representation of my financial condition Gramm-Leach-Bliley Act ( GLBA ) 6801 : Lack of
transparency and failure to protect financial data Metro 2 Standard : Violation of Fields 17A and 24 by reporting repeated CO codes after the account was settled and closed

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 2025-06-02 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: GA

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED ACCOUNTS THAT WERE OPENED FRADULENTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED ACCOUNTS THAT WERE OPENED FRADULENTLY.

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 2025-06-03 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: FL

Complaint narrative:
Im reaching out because I found incorrect information on my credit report that absolutely does not belong there and I need it fixed right away.

Specifically, theres an account showing up that I dont recognize at all. Ive never opened it, never authorized it, and I have zero ties to it. This is not my account, and I shouldnt have to deal with the consequences of someone elses error ( or worse, fraud ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: Texas Guaranteed
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX totaling {$31000.00}, a collections account opened at XXXX XXXX on XX/XX/XXXX totaling {$200.00}, XXXX education credit accounts opened at XXXXTRELLIS CO on XX/XX/XXXX totaling the amount of {$15000.00}, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. Further these accounts are now considered in litigation. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
a friend sent some funds to a paypal account I created in may. he sent XXXX to the account. paypal has now restricted withdrawals from the account for " security '' reasons for 180 days. I can not refund the amount or withdraw until 180 days. I messaged the company via their chat portal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This is my sixth formal complaint to the Consumer Financial Protection Bureau against Portfolio Recovery Associates , LLC ( PRA ) and their affiliated law firm, XXXX XXXX XXXX. Despite repeated written requestsfive to PRA and at least two to XXXX & XXXX proper validation of an alleged debt, neither entity has provided the legally required documentation to prove ownership or standing to collect. 

I have clearly and repeatedly demanded : - A complete chain of title or assignment history of the debt from the original creditor to PRA ; - The Forward Flow Agreement or any signed agreement proving PRA owns this specific account ; - A signed agreement between XXXX and PRA or any document that explicitly ties my alleged account ( ending in XXXX ) to the transaction described in the generic 'Bill of Sale and Assignment. ' Instead of fulfilling these obligations under the FDCPA and FCRA, PRA and XXXX XXXX XXXX continue to send recycled billing statements and a form letter from 'Your XXXX Team ' that contains no signature or legal authenticity. The so-called Bill of Sale makes vague reference to XXXX XXXX XXXX XXXX accounts ' but does not list any specific account number that can be tied to me. The Exhibit provided refers only to a batch file, with no unique identifier or metadata that confirms inclusion of my account. 

Their refusal to comply with federal law is not just negligentit is willful and abusive. This is now an egregious and systemic failure to validate the debt. Meanwhile, they continue their collection attempts, including legal threats, causing undue stress and damage to my credit. This constitutes clear violations of the FDCPA 15 U.S.C. 1692g ( b ) and FCRA provisions related to furnishing inaccurate data to credit bureaus. 

I am asking the CFPB to intervene decisively. These companies are deliberately ignoring federal requirements. I am requesting a full investigation and immediate enforcement action. I am also demanding all further collection activity be ceased immediately until proper legal documentation is produced. Continued violations will result in legal action. 

Attached are : - Copies of the multiple dispute and validation letters sent to both parties - The generic and unverified responses received - The so-called Bill of Sale and associated documents that fail to prove ownership or account assignment Thank you for your prompt attention.

Company response to consumer: Closed with explanation