vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Coconut Funding Corporation
State: ME

Complaint narrative:
I took out a {$10000.00} loan for my business. They offered to roll in existing debts and bring everything down to a total daily payment of {$23.00}. This would save me quite a bit of money, so I agreed. They said that this would be accomplished by sending me a daily distribution to cover all the loan payments, minus the {$23.00}. After signing the documents for the original loan, and agreeing to the {$490.00} daily payments under the understanding that they would be mostly absorbed by the daily distributions, they sent a contract for the distributions the next day. This contract adds somewhere in the neighborhood of {$4000.00} in fees and interest per day for a total payout of about {$700.00} per day. I did not agree to a {$4000.00} increase to the loan each day, and now they are automatically debiting {$490.00} per day from my account instead of the {$23.00} that was originally promised. After reaching out to have this payment lowered, which is an option in my contract, they did not respond. The next day, I sent another email requesting to get this resolved immediately via email to have everything in writing. They called multiple times, which I declined and followed up with an email saying I would like everything in writing. They called from a different number that didn't show up on my caller ID, so I picked up. XXXX from XXXX funding introduced himself, and I informed him I will only communicate in writing to keep everything well documented. He then yelled at me over the phone, saying something along the lines of " no, that's not an option. I'm not playing your games '' to which I promptly hung up. I then emailed and said that I would be open to text as well, but I want everything in writing. This issue has still not been resolved, and I notified them that I will pursue legal action if this is not rectified immediately. This was at approximately XXXX Eastern ( they are based on the XXXX XXXXXXXX XXXX, and I had not gotten any response for the rest of the day. I am submitting this at about XXXX and have still not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-04-16 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: NC

Complaint narrative:
Take Judicial notice of 15 USC 1681i ( 7 ) Congress I am requesting the description of the reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with the FCRA guidelines. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Certificate of Service -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Legal Support-Lead, Equifax XXXX I certify that I served document Exhibit : Congress to the party mentioned above by email XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC ( XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-16 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:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment XXXX XXXX ) XXXX XXXX Account Number : XXXX - Balance XXXX Past Due : {$0.00} XXXX XXXX - Account Number : XXXX - Balance & Past Due : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-04-16 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: LA

Complaint narrative:
Complaint : Inaccurate Credit Reporting and XXXX XXXX XXXX I am filing this complaint due to ongoing issues with my student loan creditor, XXXX XXXX XXXX. 



This company has reported inaccurate information to the credit bureaus, which has negatively impacted my credit report. Despite multiple attempts to dispute and correct these errors, they remain unresolved. 



I initially contacted XXXX XXXX XXXX on XX/XX/XXXX, to dispute the inaccurate reporting. I followed up again on XX/XX/XXXX, and most recently on XX/XX/XXXX, providing documentation and requesting corrections. Each time, the responses were delayed, inadequate, or unhelpful. 



The creditor has failed to provide clear communication regarding repayment terms and has not responded to my requests for documentation or explanation in a timely manner. I believe their actions may be in violation of the Fair Credit Reporting Act ( FCRA ), which requires creditors to report accurate and verifiable information. 



This situation has caused unnecessary financial stress and harmed my credit standing. I am requesting a full investigation into this matter and immediate correction of all inaccurate entries on my credit report. I also request full documentation of my account history and payment details. 



Creditor Information : XXXX XXXX XXXX XXXX, TN XXXX Phone : ( 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 2025-04-16 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:
Complaint : Inaccurate Credit Reporting and Poor Loan Servicing I am filing this complaint due to ongoing issues with my student loan creditor, XXXX XXXX XXXX. 



This company has reported inaccurate information to the credit bureaus, which has negatively impacted my credit report. Despite multiple attempts to dispute and correct these errors, they remain unresolved. 



I initially contacted XXXX XXXX XXXX on XX/XX/XXXX, to dispute the inaccurate reporting. I followed up again on XX/XX/XXXX, and most recently on XX/XX/XXXX, providing documentation and requesting corrections. Each time, the responses were delayed, inadequate, or unhelpful. 



The creditor has failed to provide clear communication regarding repayment terms and has not responded to my requests for documentation or explanation in a timely manner. I believe their actions may be in violation of the Fair Credit Reporting Act ( FCRA ), which requires creditors to report accurate and verifiable information. 



This situation has caused unnecessary financial stress and harmed my credit standing. I am requesting a full investigation into this matter and immediate correction of all inaccurate entries on my credit report. I also request full documentation of my account history and payment details. 



Creditor Information : XXXX XXXX XXXX XXXX, TN XXXX Phone : ( 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 non-monetary relief
Consumer complaint received 2025-04-16 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:
Complaint : Inaccurate Credit Reporting and Poor Loan Servicing I am filing this complaint due to ongoing issues with my student loan creditor, XXXX XXXX XXXX. 



This company has reported inaccurate information to the credit bureaus, which has negatively impacted my credit report. Despite multiple attempts to dispute and correct these errors, they remain unresolved. 



I initially contacted XXXX XXXX XXXX on XX/XX/XXXX, to dispute the inaccurate reporting. I followed up again on XX/XX/XXXX, and most recently on XX/XX/XXXX, providing documentation and requesting corrections. Each time, the responses were delayed, inadequate, or unhelpful. 



The creditor has failed to provide clear communication regarding repayment terms and has not responded to my requests for documentation or explanation in a timely manner. I believe their actions may be in violation of the Fair Credit Reporting Act ( FCRA ), which requires creditors to report accurate and verifiable information. 



This situation has caused unnecessary financial stress and harmed my credit standing. I am requesting a full investigation into this matter and immediate correction of all inaccurate entries on my credit report. I also request full documentation of my account history and payment details. 



Creditor Information : XXXX XXXX XXXX XXXX, TN XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: MORGAN STANLEY & CO. LLC
State: NJ

Complaint narrative:
The Same Company, the Same Disclosure, the Same Annual Interest Rate. 
Three Different Methods of Calculation leading to three Different RATES for Deposit and Credit sides of Banking Engagement, based on Three Different Year durations : 1. This rate is calculated based on a 360-day year 2. using the interest rate, based on 365 days.

3. using the interest rate, based on 366 days if the withdrawal happens in a leap year.

It appears that " Simple Interest '' is not so SIMPLE. 
It appears that APR and APY can not be Simply used to Compare different Financial product within Single Financial Institution or across multiple ones. 
It appears that Financial Institution is Allowed to take advantage of its Clients by the use of small print. 

Since APR and APY is no longer useful as intended because " A '' as ANNUAL is Variable, should CFPB to enforce full-standard print Disclosure on how many days in the Year, per year type and per product type. 

Is there the Limit of Days which Companies may designate as " A '' as for ANNUAL? 
Is it Conceivable that Company may decide on Rate and Interest Calculations based on 36 days?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am disputing a debt that has been reported by this debt collector on XXXX XXXX, which I do not owe. I was contacted by the company regarding a balance of {$1900.00}, but I have no knowledge of this debt and have never received documentation proving that it is valid or that I am responsible for it. 

I have not entered into any agreement with this company, and to the best of my knowledge, I do not owe any money to them. I believe this may be a case of mistaken identity, a reporting error, or potential fraud. 

I am requesting that this matter be investigated thoroughly and that the debt collector provide proper validation of the debt. Until valid documentation is provided, I am requesting that all collection activity cease and that any reporting to credit bureaus be removed or withheld.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Karma, LLC
State: AR

Complaint narrative:
Ive tried disputing my student loan its not letting me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX * Balance Owed : {$18000.00} XXXX XXXX * * Balance Owed : {$1100.00} XXXX XXXXXXXX * * * * * * * * * * * * * * Balance Owed : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX * Balance Owed : {$18000.00} XXXX XXXX * * Balance Owed : {$1100.00} XXXX XXXXXXXX * * * * * * * * * * * * * * Balance Owed : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, NC XXXX FEB-RETAIL XXXX * * * * * * * XXXX XXXX * * * * * * Balance Owed : {$24000.00} XXXX XXXX * * * * * * Balance Owed : {$9300.00} XXXX XXXX XXXX  XXXX * * Balance Owed : {$990.00} XXXX XXXX * Balance Owed : {$2400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2025-04-16 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: FL

Complaint narrative:
b"It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items  which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft.  The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank's records (learned through more research both parties require). Please delete /remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-16 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: FL

Complaint narrative:
b"It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items  which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft.  The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank's records (learned through more research both parties require). Please delete /remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries and accounts that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than XXXX hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries and accounts that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than XXXX hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : 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