vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause o
r consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: IL

Complaint narrative:
I was looking for a small short term loan. I went to their website site, everything seemed ok, I was approved for a {$1200.00} loan so I proceeded and it never gave the interest rate until you click continue which approved going ahead with the loan and then gave the rates. I called because it was over {$3000.00} in interest for a {$1200.00} loan. Basically I was told nothing I could do except make extra payments when I could to pay the loan down faster.

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 2025-08-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, Charge Off, Late Payment or hard inquiries as reported. The aforementioned accounts, collections, Charge Off, Late Payment 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.

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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I am writing to dispute the accuracy of the abovereferenced account, which you have reported to the credit reporting agencies. I have no record of any contractual obligation to Cavalry Portfolio Services , LLC and never authorized the release of my personal information to you. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that you provide the following : Proof that Cavalry Portfolio Services , LLC legally owns or has been assigned this alleged deficiency balance, including a copy of the original sales or assignment agreement with the original creditor.

A full accounting showing how the alleged balance was calculated, including the sale proceeds from the repossessed vehicle and any fees or interest added.

Copies of any contract or agreement bearing my signature that obligates me to pay this debt to Cavalry Portfolio Services , LLC.

Until you supply this documentation, please * DELETE and REMOVE * all negative reporting of this account from my credit files. If you are unable to provide the requested validation, please inform the credit reporting agencies to delete this account from my credit reports under 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with DISCOVER BANK or any of the affiliates. I have confirmed and advised DISCOVER BANK that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how DISCOVER BANK approved a credit under my name, without doing any further review and confirmation. Given the fact that DISCOVER BANK has the right to investigate and obtain all necessary information prior to approving any credits, DISCOVER BANK has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, DISCOVER BANK must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that DISCOVER BANK must comply with prior to approving any credit card/lines to anyone. Pursuant to DISCOVER BANK 's online advertisement, DISCOVER BANK encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from DISCOVER BANK stating that my information was used or attempted to be used in order to open an account. Thus, DISCOVER BANK has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, DISCOVER BANK violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for DISCOVER BANK to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: DISCOVER BANK
State: NY

Complaint narrative:
I asked Discover for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting XXXX, XXXX, and XXXX  several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
CapitalOne Quicksilver card, used OFFERS for XXXX. XXXX & XXXX do not have a limit of number of times it can be used, only indicates can't be for giftcard purchase. I used offers for XXXX previously so know I must go directly from the CapitalOne app to merchant website. I made 19 separate transactions over several days in XX/XX/year>. I was told to wait until after cruise ended for credit to show. After reaching out several times, on XX/XX/year>, a CapitalOne rep in the offers department manually entered all 19 transactions for reimbursement as she noted the transactions were showing in my offer history as well as on my statements. After that conversation, my next statement showed 3 of the 19 credits. After 2 additional calls where i was told the rep could see the credits but they were still pending, I spoke with a supervisor on XX/XX/year>. She indicated the 3 credits were all that would be processed and gave no further explanation. I indicated I had screenshots of all transactions that I could forward but she declined, indicating they do not accept proof. I asked for an appeals area but she said she has the final decision and if I didn't have further questions she would disconnect the call. I made all purchases in good faith while following their XXXX & XXXX. I assume the number of screenshots I have will exceed your max ( under 50 pgs but ovet size limit ) but I'd be happy to forward separately. 

XXXX ) {$70.00} purchase/ {$53.00} offer, XX/XX/year> XXXX ) {$70.00} purchase/ {$53.00} offer, XX/XX/year> XXXX ) {$70.00} purchase/ {$53.00} offer, XX/XX/year> XXXX ) {$70.00} purchase/ {$35.00} offer, XX/XX/year> XXXX ) {$70.00} purchase/ {$42.00} offer, XX/XX/year> XXXX ) {$70.00} purchase/ $ XXXXoffer, XX/XX/year> XXXX ) {$48.00} purchase/ {$42.00} offer, XX/XX/year> XXXX ) {$70.00} purchase/ {$59.00} offer, XX/XX/year> XXXX ) {$70.00} purchase/ {$59.00} offer, XX/XX/year> XXXX ) {$70.00} purchase/ {$59.00} offer, XX/XX/year> XXXX ) {$70.00} purchase/ {$59.00} offer, XX/XX/year> XXXX ) {$67.00} purchase/ {$59.00} offer,XXXX XXXX ) $ XXXXpurchase/ {$42.00} offer, XX/XX/year> XXXX ) {$67.00} purchase/ {$59.00} offer,XXXX  XXXX ) {$67.00} purchase/ {$59.00} offer,XXXX  XXXX ) {$61.00} purchase/ {$59.00} offer, XX/XX/year> XXXX ) {$48.00} purchase/ {$42.00} offer, XX/XX/year> XXXX ) {$110.00} purchase/ {$59.00} offer, XX/XX/year> XXXX ) {$110.00} purchase/ {$59.00} offer, XX/XX/year> * cruise dates for XXXX was XX/XX/XXXX through XX/XX/year> * cruise dates for XXXX was XX/XX/XXXX through XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is reporting false, inaccurate, and unverifiable child support accounts from XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts are not credit obligations, yet they are falsely reported with balances, past due amounts, and payment histories. 

XXXX  does not report any such accounts, proving TransUnions reporting is inconsistent and inaccurate, violating FCRA XXXX ( b ), XXXX, XXXX, and XXXX for obsolete data. I have previously disputed this, and TransUnion falsely marked the dispute as resolved by data furnisher without verification. 

This also violates XXXX XXXX. XXXX, as government agencies are harming my credit without due process. Reporting public debt as consumer credit is unconstitutional and deceptive. 

I demand immediate deletion of all child support accounts from my TransUnion credit report and written confirmation of removal.

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 2025-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MA

Complaint narrative:
Mohela recieved my income driven repayment plan on XX/XX/2025. At that time they should have placed me in a processing forbearance and notified Federal student aid of the loan status. They are reporting to credit bureaus that my loan payments are being deferred and repayment is set to start XX/XX/2025. They have not sent any of this information to me or FSA Mohela is delaying my public service loan forgiveness by not processing my income driven repayment plan and submitting the correct forbearance status to Federal Student Aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dispute Reason : Incorrect Reporting After Charge-Off Balance / Status / Past Due Amount I am writing to formally dispute inaccurate and misleading information reported on my credit file regarding the following account : Creditor Name : Ally Financial Account Type : Auto Loan Account Status : Charged Off Original Balance : {$29000.00} Reported Balance : {$30000.00} Past Due Amount : {$30000.00} Last Payment Date : XX/XX/XXXX Status Updated : XX/XX/XXXX Grounds for Dispute : XXXX. Inaccurate Charge-Off Balance The reported balance of {$30000.00} exceeds the original balance of {$29000.00}, which is inconsistent and inaccurate. Once a charge-off is recorded and no further fees or interest are accruing ( especially post-sale or write-off ), the balance should not continue to grow beyond the contractual agreement. 
XXXX. Duplicate Reporting of Past Due Amount The past due amount is reported as {$30000.00} the same as the charged-off amount. After charge-off, the past due field should reflect {$0.00} or clearly differentiate between actual arrears and a written-off status, not duplicate amounts and misrepresent payment obligations. 
XXXX. Continued Monthly CO Status Reporting After Charge-Off Monthly CO ( charge-off ) notations are being reported from XX/XX/XXXX through XX/XX/XXXX, even though the charge-off occurred in XXXX. This practice is considered re-aging and misrepresents the delinquency timeline, which is a violation of the Fair Credit Reporting Act ( FCRA ). Once an account is charged off, it should not continue to update each month as newly delinquent. 
XXXX. Company Sold Missing Information The field Company Sold is blank, yet no information is listed about a transfer or assignment of debt. This raises concerns regarding ownership and chain of custody for this debt and its legality for continued reporting. 

Request for Immediate Action and redress

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 2025-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
Re : XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX Florida XXXX Legal : Successor XXXX XXXX ( Legal Court Successor ) My father died XX/XX/XXXX and I was not advised of his death til a family member told me after hearing the news I advised the court that I am his sole heir to his estate as of todays date the XXXX XXXX in XXXX XXXX Florida gave me legal paperwork of 57 pages which I sent to the company 3 times and as of todays date have not gotten any assistance which was court ordered for Select Portfolio the loan servicer to do regarding my fathers estate. The property is pending foreclosure due to his untimely death I have made more than 6 calls and contacted Select Portfolio Services numerous times to fix this issue and as of todays date nothing pertaining to the successor has been done and I am running out of time due to another court hearing that stated I should have everything in order by XX/XX/XXXX or foreclosure will definitely begin.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: General Motors Financial Company, Inc.
State: NE

Complaint narrative:
GM financial report a late payment at the closing of loan # XXXX in XX/XX/year>2020. Payment due was {$350.00}. I have proof from a bank statement the payment was not made late. XX/XX/year>2020 I traded in the car ( XXXX XXXX ) attached to # XXXX to XXXX XXXX XXXX XXXX, for a XXXX XXXX. 
XXXX XXXX XXXX XXXX and GM Financial did not transition loan # XXXX to # XXXX within a timely fashion. 
I have contacted them through credit reporting agencies requesting a goodwill correction and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I am writing to formally dispute a hard inquiry that appears on my credit report under the name of Tower LoanXXXX XXXX XXXX XXXXl and XXXX XXXX XXXX XXXX. I did not authorize this credit inquiry, nor did I apply for a credit loan or give permission for my credit to be pulled in connection with any loan application with this institution.

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