vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several inaccuracies on my credit report that needs attention

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my credit report that needs attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MO XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$400.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$250.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$580.00} XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$4600.00}

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am submitting this complaint to address inaccuracies in the reporting of two federal student loan accounts on my credit report. These accounts appear to be serviced by Nelnet and are reflected on my credit file with late payment notations that I believe are either outdated or inaccurate. 

Accounts in Question : DEPT OF EDUCATION/NELN Account No : XXXX Opened : XX/XX/XXXX The payment history reported for this account appears to be inaccurate. I do not believe late payments should be reflected, and I have not received adequate documentation verifying these derogatory marks. 

DEPTEDNELNET Account No : XXXX Opened : XX/XX/XXXX This account shows payment history that seems outdated and inconsistent with the actual account activity. I am concerned that the reported delinquencies are inaccurate and may be damaging my credit profile.

Despite my efforts to request verification from the credit bureau and/or loan servicer, no clear evidence has been provided. I am exercising my right under the Fair Credit Reporting Act ( FCRA ) Section 611 to dispute the accuracy of this information and seek an independent review of whether proper reinvestigation procedures were followed.

What Im Requesting : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) : Investigate the accuracy of the reported payment history for the above-listed student loan accounts.

Confirm whether the data furnisher has valid documentation supporting the late payments.

Ensure that any unverifiable or inaccurate information is corrected or deleted.

Verify that all credit reporting practices in this matter are XXXX XXXX and FCRA-compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today on XX/XX/year>2025, I attempted to create an Experian account a week or so after failing to do so. At the time I initially tried to create my Experian account, I couldnt finish it due to not yet having government ID. Now, having more recently received my drivers license since XX/XX/XXXX, I wanted to try again. 

Whenever I entered my SSN and phone number and got verified, my name, address, and many other details were automatically filled. However, after filling in my apartment number, email, and password for my new account, Im told that I couldnt be verified based on my information.

Ive tried contact customer support, which redirects me to resetting my username/password, none of which works.

My theory is that my account is in a half finished state and cant get accessed since it never had proper login information assigned to it, meaning it could exist but not be verified.

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 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I applied for an advertised 0 % credit card at my local TD Bank Branch approximately XX/XX/year>2025. I was approved with a credit limit of approximately {$4000.00}. I called the customer service line and under the assumption this was a 0 % card asked if I could get a limit increase as I have had a relationship with TD for XXXX years. He advised since it was a new card there would not be an increase however I also had a credit card with a XXXX limit and he said I could transfer those funds to the card that is 0 %. I asked if I could transfer all the funds to the 0 % card but he said that a current TD account could not be transferred ( The current account was at 29 % " APR '' and I had approximately XXXX balance ) I shifted the credit line to the 0 % card and used the card, thinking I had 0 % interest on purchases. I have been charged interest on the total balance of this card in excess of 26 %. I called the bank and they agreed to refund the interest charged but not do anything on interest charges on the current balance. They agreed the fine print was very confusing and I was not the first call they had on the fine print. It was advertised as 0 % intro for 18 months. Never was I told that that it was only on balance transfers.. They had every opportunity to explain that in detail and did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
I spoke with a banker named XXXX XXXX on XX/XX/year>2025 about a home equity loan with Rocket Mortgage. After discussing intrest rates and revewing the offer I gathred all relevant information pay stubs, w2 's, insurance, mortgage statment and provided them for loan aproval review. I was told at this point I was pre approved based on my documents andI I had to provided {$500.00} in earnest money to continue the loan process. I was advised I would get the {$500.00} back in full at closeing of the loan. Within a few days Rocket Mortgage scheduled an apprasial of my home. On XX/XX/scrub>/2025 I was contacted by XXXX XXXX via phone and advised that my income did not meet there requirments and he want to offer/switch me to a high intrest predatory personal loan. Nothing changed from my innital submission of income and pre aproval. I was also advised I would lose my earnest money deposit. I filed a formal complaint with Rocket Mortgage for bait and switch loan practices and theft/fraud of my {$500.00} earnest money. On XX/XX/year>2025 I was contacted by XXXX XXXX and a resolution would be made on refunding my earnest money by XX/XX/year>2025. On XX/XX/year>2025 XXXX XXXX notified me of a refund for {$350.00} of my earnest money and no resolution for the remaining {$150.00}. I emailed XXXX XXXX and request a hard date for resolution and refund. I was told it was under review by another ( team ) and no date could be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I contacted Apple Card ( Goldman Sachs Bank ) multiple times in XXXX and XX/XX/year>2025 to request financial hardship assistance. I clearly explained that I am facing financial difficulty and can not make payments right now. I asked for options such as a temporary pause in payments, interest relief, or a lower payment plan so I could avoid falling behind and damaging my credit. 

Despite this, I was told there is no hardship program available unless my account becomes delinquent or is sent to collections. I asked to escalate the request or speak with a supervisor or hardship department, but I was still told no options exist at this time. 

I explained that being forced into default just to access help is damaging and unfair. I asked for documentation of the denial, and their support team confirmed in writing that no relief could be provided now. 

I am submitting this complaint because I tried in good faith to work with the company before falling behind. They chose not to assist me until damage is done. I believe they should be required to offer hardship options before default, not only after collections or credit damage. 

Screenshots of the denial and responses from Apple Card support are available and will be uploaded with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I attempted to pay off my car loan with Westlake Financial, first over the phone and later using XXXX. Unfortunately, their XXXX system doesnt accept valid account numbers, and none of their agents were able to provide a solution. The only alternatives I was given were to mail a check ( which was, unsurprisingly, never delivered and marked as lost ) or to make a payment over the phone using bank account information. 

One of their agents attempted the phone payment using the exact same bank account I had been using successfully for autopay. It took seven days for them to process it, only for the payment to be declined without explanation.

Westlake makes it unnecessarily difficult to pay off your loan. Despite the delay being entirely on their end, they still charged me a {$25.00} fee, reported me as late, and damaged my credit score.

The most frustrating part? I ended up initiating the payment myself, again using the same bank account information, and it went through instantly. Which makes me question whether the agent ever even started the process.

To top it off, Westlake also refused to transfer my loan to another bank offering a much better interest rate ( 7 % compared to their 14 % ).

Absolutely unacceptable experience from start to finish.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
This letter is being sent to you in response to a collection account you have reported or attempted to collect. This is not a refusal to pay, but a request for validation and verification of the alleged debt as provided by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide me with the following : 1. The name of the original creditor ( XXXX XXXX XXXX XXXX, and the original account number.

2. A copy of the original contract or agreement bearing my signature.

3. A detailed breakdown of how the amount you claim is owed was calculated.

4. Proof that you are authorized to collect on behalf of XXXX XXXX XXXX. 
5. A copy of the notice you sent that includes the amount of the debt and my rights.

If you can not provide the above, you must cease collection and remove any reference to this account from all credit reporting agencies per the Fair Credit Reporting Act and the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THE ACCOUNT LISTED ON MY FTC REPORT ARE REPORTING INCORRECTLY

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THE ACCOUNT LISTED ON MY FTC REPORT ARE REPORTING INCORRECTLY

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 2025-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I canceled the service with XXXX XXXX  because I was constantly unable to get connected whenever I attempted to make a phone call, it will always say, Server Unreachable, and often on a conference call would have to dial in multiple times before I made connection, the last time that I had to dial in to a conference call 25 times before I got connected, I called to cancel. They assured me the service would get better because they were to soon merge with XXXX. I told them I didnt want to wait around for that I needed good service now. Since that time they have sold my account to 4 different collection agencies trying to collect {$250.00} that I do not owe. I had called XXXX  in XXXX to complain and was told by the Representative that it was no longer on my credit report. I checked my credit score today through my XXXX XXXX Account and it had dropped XXXX points. I called XXXX to see why my score had gone from a score of XXXX to XXXX and XXXX at XXXX  said that XXXX XXXX had sent that collection to yet another collection agency. She gave me the breakdown and said that in XXXX they had sent it to XXXX XXXX in XXXX to XXXX XXXX, in XXXX to XXXX XXXX, and this month sold it to Southwest Credit Systems. I remember I believe it was in XXXX when I got notification from the first collection agency I sent them an email disputing the debt stating that XXXX had engaged in fraudulent business practices in not disclosing that if you decided to cancel their service for any reason, the FREE phone that they advertised, would have to be paid for. I would never have switched under those conditions, not knowing beforehand what quality of services they would be offering. I had a valid reading for cancelling, the service was horrendous and unreliable. I would like for XXXX XXXX to be permanently taken off of my credit report. TransUnion said I have to send them a copy of a complaint I submitted to the FTC, but after going to that site was directed here,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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