vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
I am submitting this complaint to request that Experian correct the personal information section on my credit report. Please remove all the inaccurate information that does not belong to me and only include information that is accurate on my report. I have included a letter that I mailed to Experian that includes all of my personal information that is accurate. 

I have included my social security card, driver 's license, and utility bill for identity verification purposes. 

Thank you for resolving this matter in a timely fashion.

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 2025-10-28 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:
b'I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties.                             \n\nFRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar mortgages website gave me a payoff that was about {$1300.00} less than the actual payoff. 

When I was made aware of this I immediately reached out to the CFPB for assistance and the loan was fixed. BUT Vystar has reported my mortgage late and it was not late, it was paid off, but the interest wasnt paid as that was not disclosed on the original payoff on their ap. 

This has absolutely ruined my credit & Vystar needs to fix this.

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 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-28 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} - Date Opened XX/XX/year>

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 2025-10-28 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:
I want to be absolutely clear, this is not a mistake. Multiple entries on my credit report are inaccurate and do not meet the accuracy standards required by law. These persistent errors have caused real and ongoing harm to my financial life, creating stress and preventing me from moving forward. I have raised this before and the problems remain unresolved, which is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: MS

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
My full name is XXXX XXXX XXXX but they have these two names on my credit report which are incorrect XXXX XXXX XXXX XXXX Also my full address is XXXX XXXX XXXX XXXX XXXX, Ga XXXX but they have these addresses I never lived at on my credit report XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up complaint regarding my XXXX XXXX account XXXX XXXX. I am requesting a goodwill adjustment for negative reporting that occurred during a very difficult period in my life. 

At the time I fell behind, my father had recently passed away, and I was going through XXXX and emotional distress. In addition, my work hours were significantly reduced, which caused financial hardship and made it difficult to stay current on my payments. It was never my intention to fall behind, but the combination of personal loss and reduced income made it very challenging. 

Since that time, Ive made every effort to recover and rebuild. My financial situation has stabilized, and Im working hard to maintain good credit and stay on track. I truly value my relationship with XXXX XXXX and hope they will consider removing or adjusting the negative marks as a goodwill gesture to help me continue improving my credit. 

Im asking the CFPB to review this matter and ensure XXXX XXXX gives fair consideration to my goodwill request given the documented hardships I experienced.

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 2025-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
Student Loan Default Without Prior Contact Subject : Improper Default Classification on Federal Student Loan Due to Lack of Servicer Contact Summary : I am filing this complaint to report that my federal student loan was placed into default without any prior contact or notification from the loan servicer or the U.S. Department of Education. I was never informed of delinquency, payment obligations, or impending default status. This lack of communication violates borrower servicing standards and has resulted in unjust financial and legal consequences. 

Details : I did not receive any billing statements, delinquency notices, or outreach attempts prior to being placed in default. 
I only discovered the default status after it had already been applied, with no opportunity to resolve or rehabilitate beforehand. 
I am seeking a full investigation into the communication history and servicing practices related to my account. 
I request that the default status be rescinded if no documented outreach can be provided, and that my account be reviewed for eligibility under the Fresh Start initiative or loan rehabilitation.

Desired Resolution : Removal of the default status if proper contact was not made Restoration of my account to good standing Access to repayment options and federal aid eligibility Written confirmation of actions taken Personal Information : Full Name : XXXX XXXXXXXX XXXX XXXX or Loan Account Number : XXXX Email : XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX, XXXX XXXX Date of Complaint : XX/XX/year>

Company response to consumer: Untimely response
Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurateXXXX XXXX TransUnion and XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-10-28 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: VA

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: SC

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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>, I requested a refund for an overpayment of approximately {$1900.00} on my Capital One account. The representative I spoke with on that date stated that the account would be in review for 3 business days and the refund would be processed within 14 days. 

On XX/XX/year>, I called again and spoke with a second representative, who told me that I should receive the refund check between today or sometime next week. When I pressed for more information, she could not provide any specifics. 

I then escalated the issue to a supervisor, who admitted that the information I received from the previous representatives was not accurate. After reviewing the account, she stated that the refund is actually in review until XX/XX/year> and could possibly stay in review, but to check back on the XXXX. 

At this point, I have been given three completely conflicting explanations regarding my refund status, and none of them have resulted in action. I stated that this is unacceptable, as the refund request has now been pending for over two weeks with no clarity or accountability. 

The supervisor also informed me that there was nothing she could do, that her administrative supervisor does not take complaints, and that my only option was to send a general email to Capital One. This effectively denied me any proper escalation path within the company. 

This lack of consistency, transparency, and basic customer service is unacceptable. Capital One has held my overpayment for nearly a month, while repeatedly providing incorrect information. 

I am requesting that Capital One : Immediately process and issue my {$1900.00} refund, and Provide a formal explanation and acknowledgment of the poor handling of my request and the misinformation I received from three different representatives.

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to ensure Capital Ones executive office properly addresses this issue and reviews its refund process and escalation procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

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 FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-28 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: Southern Auto Finance Co
State: GA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist Demand Regarding Collection Account Reporting Dear XXXX XXXX, I am writing to formally demand that you cease and desist all collection activities and credit reporting related to the following account : Original Creditor : SAFCO XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$460.00} Current Status : Unpaid ( as of XX/XX/XXXX ) Creditor Classification : Insurance Date of First Delinquency : XX/XX/XXXX Comments on Credit Report : Consumer disputes this account information This account is being reported inaccurately and is causing undue harm to my credit profile. I have previously disputed this account, and your continued reporting of this disputed debt may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I hereby demand that you : 1. Immediately cease all collection efforts related to this account.

2. Stop reporting this account to any credit reporting agencies.

3. Provide full validation of the debt, including a copy of any signed agreement or documentation proving my responsibility.

4. Remove or correct any inaccurate information from my credit report.

Failure to comply with this request may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action. 
Please treat this letter as a formal notice. I expect a written response within 30 days of receipt, as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: VA

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 INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I am writing to express my serious concerns regarding the recent legal action taken by Professional Finance Company ( PFC ) on a medical debt from 2022, of which I was never informed. At no point did I receive any statements, letters, calls ( aside from what I now suspect were unmarked calls ), or emails from PFC about this debt.

When I finally answered their last call, the representative did not initially disclose they were debt collectors or explain the purpose of the call before asking for personal information. Upon beginning to record the call for my protectionbeing in a single-party consent statecommunication abruptly ended, with the agent hanging up after I informed them of my legal right to record. My subsequent call and recording attempt resulted in the same abrupt silence from the second agent. I have confirmed that debt collectors can not prohibit recording calls in single-party consent states, and I feel their refusal to communicate under these conditions is both concerning and
unprofessional. Due to these unfair and questionable practices, I am no longer comfortable engaging with PFC or sharing any personal information with them, despite my desire to settle this debt in full.

I urge your company to review and address these troubling practices to ensure fair and transparent communication with consumers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: OK

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 FRAUDULENT INQUIRIES : 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