vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
All my student loans were in good standing as of XX/XX/year>. Under the fair credit reporting act it is My due diligence to receive fair credit reporting information on who services my loans, and when payments are due. I was not notified that my payments were out of forbearance. I was not sent any letters and I was also never given a phone call. My student loan servicer is MOHELA. The reporting is inaccurate because it states that I was 90 days late as of XXXX, but the last 90 days in my credit report have green checkmarks in them. My score dropped XXXX points. I do not agree with this annihilating credit reporting. I am doing everything to dispute the late payment history because I was not giving notice that I was 30 days or 60 days late. I do not believe they have any of my contact information, And I have not received certified mail from Mohela about when my student loan repayment starts. Within the last XXXX months, I was also unable to work due to a workers injury, I went through an attorney and filed for XXXX XXXX. and I have all the documentation to provide Stating my condition and why it is really difficult for me to find work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my car loan debt with ally financial. They are saying I owe XXXX dollars and thst amount is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: SC

Complaint narrative:
I am writing to file an urgent and serious complaint regarding the gross mishandling of my personal information by Equifax, which resulted in a massive data breach that compromised the sensitive data of over XXXX XXXX XXXX  including mine. 

As a direct victim of this breach, I have reason to believe that this unauthorized exposure of my data has led to negative consequences on my credit reports maintained by Equifax, Experian, and TransUnion. I hold these reporting agencies responsible for failing to protect my information, and I am now demanding immediate corrective action.

Let me be explicitly clear : All negative and derogatory items currently listed on my credit reports with Equifax, Experian, and TransUnion must be removed within four ( 4 ) business days of receipt of this letter. These accounts are tainted by the breach of trust and data integrity caused by Equifaxs negligence, and I will not accept further damage to my financial standing as a result. 

I am prepared to escalate this matter through legal action, media exposure, and congressional complaint channels if necessary. I am also prepared to hold each credit bureau accountable for any continued reporting of harmful data that resulted from this breach. Enough is enough.

Attached are supporting documents including my identity verification, breach notification from Equifax, and recent credit reports highlighting the negative entries in question. 

Failure to act immediately will result in a formal lawsuit for damages, including but not limited to, emotional distress, financial harm, and failure to secure personal consumer data. The negligence that allowed this data breach to occur should not and will not be tolerated without accountability. 

I expect a confirmation of receipt and notification of action taken no later than XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
A complaint was filed XXXX and wrongly closed. 

XXXX and/or Capitol One lied to CFPB. 

I was the account holder until I closed the account! 

These issues date back to XX/XX/XXXX and have continued to escalate each month. 
XXXX XXXX  credit card is going through some sort of merger with XXXXapital One. As a result, credit card statements and email notifications are no longer being issued as they did before. XXXX and Capital One have both been notified. They have been contacted by telephone multiple times about these issues. They indicated on multiple occasions that they would send copies of the statements. The statements received, however, are not legible. They are in some sort of computer code. This is a recurring issue. Examples were emailed to XXXX. XXXX customer service rep acknowledged receipt of the unusable statements and transferred the call to Capital One. The Capital One representative refused to accept responsibility but offered to waive the interest charge of {$8.00} ( XXXX dollars and XXXX cents ). 
On XX/XX/XXXX, due to the ongoing issues with the statements, email notifications, the excessive late fees ( {$40.00} XXXX dollars ), and the excessive interest rate ( over 30 % APR ), the account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-13 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: IL

Complaint narrative:
All XXXX reporting agencies have incorrect information, my birth certificate from the state of Mississippi clearly has my name being listed as XXXX XXXX 111, and I would like a written response in the mail informing me that a thorough investigation has been done to remove these inaccuracies, under 15 USC 1681 i, b, c, and g this violates my rights under the law, neither agency has done a legitimate investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I made a USDT deposit to a valid crypto address, and the transaction was successful on the XXXX. However, I did not receive the funds because there was an issue with the network ( XXXX  ). I mistakenly sent USDT using the XXXX  ( XXXX ) network, but the address I sent it to was copied from my PayPal account . 

The transaction is confirmed, but only PayPal can unlock or recover the funds since they control the receiving address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IL

Complaint narrative:
In XXXX, a collection account was added to my credit report related to an apartment unit at a parent property where I have never lived, signed a lease, or had any financial obligation. I believe this is an errorpossibly a case of mistaken identity or incorrect association of my information with a former tenant. 

I discovered the collection when reviewing my credit report and immediately contacted the collection agency/property management to dispute the charge. I explained that I have no connection to the residence in question and requested documentation to validate the debt. They were unable to provide a signed lease or any proof tying me to the property. 

Despite this, the collection account remains on my credit report for an amount of time 10 years which is negatively impacting my credit score. I am requesting that the credit bureaus investigate this account and remove it if the company can not verify its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: NY

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my dispute regarding an inaccuracy in my credit report. Despite my submission, Experian responded within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

I am specifically disputing the following account : XXXX XXXX Account Number : XXXX This account is marked as paid and closed, but I have no knowledge of ever opening or authorizing this account. I believe this may be the result of identity theft or an error in reporting and request its removal from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: SC

Complaint narrative:
I am writing to file an urgent and serious complaint regarding the gross mishandling of my personal information by Equifax, which resulted in a massive data breach that compromised the sensitive data of over XXXX XXXX XXXX including mine. 

As a direct victim of this breach, I have reason to believe that this unauthorized exposure of my data has led to negative consequences on my credit reports maintained by Equifax, Experian, and TransUnion. I hold these reporting agencies responsible for failing to protect my information, and I am now demanding immediate corrective action.

Let me be explicitly clear : All negative and derogatory items currently listed on my credit reports with Equifax, Experian, and TransUnion must be removed within four ( 4 ) business days of receipt of this letter. These accounts are tainted by the breach of trust and data integrity caused by Equifaxs negligence, and I will not accept further damage to my financial standing as a result. 

I am prepared to escalate this matter through legal action, media exposure, and congressional complaint channels if necessary. I am also prepared to hold each credit bureau accountable for any continued reporting of harmful data that resulted from this breach. Enough is enough.

Attached are supporting documents including my identity verification, breach notification from Equifax, and recent credit reports highlighting the negative entries in question. 

Failure to act immediately will result in a formal lawsuit for damages, including but not limited to, emotional distress, financial harm, and failure to secure personal consumer data. The negligence that allowed this data breach to occur should not and will not be tolerated without accountability. 

I expect a confirmation of receipt and notification of action taken no later than, XX/XX/year>2025 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: SC

Complaint narrative:
I am writing to file an urgent and serious complaint regarding the gross mishandling of my personal information by Equifax, which resulted in a massive data breach that compromised the sensitive data of over XXXX XXXX XXXX including mine. 

As a direct victim of this breach, I have reason to believe that this unauthorized exposure of my data has led to negative consequences on my credit reports maintained by Equifax, Experian, and TransUnion. I hold these reporting agencies responsible for failing to protect my information, and I am now demanding immediate corrective action.

Let me be explicitly clear : All negative and derogatory items currently listed on my credit reports with Equifax, Experian, and TransUnion must be removed within four ( 4 ) business days of receipt of this letter. These accounts are tainted by the breach of trust and data integrity caused by Equifaxs negligence, and I will not accept further damage to my financial standing as a result. 

I am prepared to escalate this matter through legal action, media exposure, and congressional complaint channels if necessary. I am also prepared to hold each credit bureau accountable for any continued reporting of harmful data that resulted from this breach. Enough is enough.

Attached are supporting documents including my identity verification, breach notification from Equifax, and recent credit reports highlighting the negative entries in question. 

Failure to act immediately will result in a formal lawsuit for damages, including but not limited to, emotional distress, financial harm, and failure to secure personal consumer data. The negligence that allowed this data breach to occur should not and will not be tolerated without accountability. 

I expect a confirmation of receipt and notification of action taken no later than, XX/XX/year>2025 2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX Re : Validation for Acct # XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.

Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to the debt collector or purchased? 
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
All XXXX reporting agencies have incorrect information, my birth certificate from the state of Mississippi clearly has my name being listed as XXXX XXXX 111, and I would like a written response in the mail informing me that a thorough investigation has been done to remove these inaccuracies, under 15 USC 1681 i, b, c, and g this violates my rights under the law, neither agency has done a legitimate investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: IL

Complaint narrative:
All XXXX reporting agencies have incorrect information, my birth certificate from the state of Mississippi clearly has my name being listed as XXXX XXXX 111, and I would like a written response in the mail informing me that a thorough investigation has been done to remove these inaccuracies, under 15 USC 1681 i, b, c, and g this violates my rights under the law, neither agency has done a legitimate investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
38 CFR 75.113 - Data breach FERPA BREACH OF INFORMATION 15 USC 1681 ( a ) ( 4 ) rights to privacy 15 USC 1681 ( b ) did not use manner which is fair and equitable to I the consumer in reporting negative allegations without written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Ive been a user of Robinhood For stocks and trading for shares and also XXXX. Ive accumulated over XXXX worth of assets through them over the years and store my purchased crypto as well on there. Ive been granted very high limits because my prior history and loyalty to their platform and policies. I attempted to send ETH crypto to another wallet ( which is also a Robinhood wallet and my transaction failed and now my account is under review and I cant receive a Update until XX/XX/XXXX, Ive submitted every document asked and verified over phone as well all transactions. I see it very unfair I cant access my over XXXX worth of assets all because of this Account Review

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: CA

Complaint narrative:
Between XXXX and XX/XX/year>, I submitted XXXX separate dispute requests to Experian regarding XXXX unauthorized hard inquiries that appeared on my credit report. XXXX of the disputes were sent by certified mail on XX/XX/XXXX and XX/XX/XXXX, and the third was submitted online on XX/XX/XXXX via Experians online dispute system. 

In all three cases, I clearly explained that I did not authorize these hard inquiries. Only XXXX response was provided online, stating dispute results available, but when I attempted to view it, the page showed an error message and would not display the results. The other XXXX disputes received no response at all. 

I did not apply for the credit accounts associated with these inquiries, and none of the applications were approved. Even if I had applied ( which I did not ), unapproved applications should not result in hard inquiries remaining on the report. 

Experian has not removed the inquiries, has not fixed the issue, and has not provided a complete or clear explanation of their decision. These unauthorized inquiries are still affecting my credit score and overall creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: SC

Complaint narrative:
This letter is to formally request the removal of all negative information from my credit report due to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I am writing to assert my rights under the ServiceMembers Civil Relief Act ( SCRA ). This federal law provides significant protections for servicemembers, including those related to their credit reports. Specifically, the SCRA allows for the removal of certain negative information from credit reports when such information resulted from financial hardships experienced during XXXX XXXX XXXX  I request the removal of the following types of negative information from my credit report : DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I understand that I am responsible for fulfilling my financial obligations. However, my XXXX XXXX service has significantly impacted my ability to manage my finances, and I believe it is unfair to have my credit report negatively impacted due to circumstances beyond my control. I have attached copies of XXXXXXXX XXXX to this letter as proof of my XXXX XXXX XXXX I request that you investigate my request promptly and remove the specified negative information from my credit report within 30 days. I look forward to your prompt attention to this matter.

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