vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
My internet with XXXX went out and did not come back on after almost a week so I requested a tech come to my home. A tech used a multimeter to test the amperage in my line but instead of testing a single wire he tested the entire coil of wires showing amperage in excess of XXXX amps and said he was unable to work on my line. ( I had only realized that he incorrectly checked the line after he left and was told by electrician ) I hired an electrician that looked at my line and said nothing seemed abnormal and the tech should have been able to resolve the issue so I called for a tech a second time in which the appointment was abrubtly canceled with no warning or reason given. After sceduling a tech for a third time I receved a text saying the tech would arrive at my home in about XXXX minutes and I waited in my living room for a knock but instead of knocking the tech pulled in my driveway, never made himself known and left. I have been charged a bill for the month I did not have internet and a tech service fee for someone who improperly tested my line. I have called XXXX to have this issue resolved multiple times and was eventually told they could not do anything over the phone and I was told to go to a XXXX  location in person to see if they could resolve the issue and the manager and my local xfinity store told me I was lied to and the call center had full ability to withdrall the bill that has since been sent to collections.

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 2025-12-18 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: TX

Complaint narrative:
I submitted XXXX disputes with equifax of which both were closed out with no resolution or corrected update. I provided all the proof they needed, they stated they reached out to the creditor XXXX to verify, XXXX states they did not and XXXX sent over the correct information on XX/XX/year> and equifax still refused to update the report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Having always met my payment obligations on time, I find it troubling to see a late payment recorded on my account. This error is causing undue stress, and I urge you to address it immediately by correcting my records.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Having always met my payment obligations on time, I find it troubling to see a late payment recorded on my account. This error is causing undue stress, and I urge you to address it immediately by correcting my records.

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 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI

Complaint narrative:
I transferred money from my debit card from XXXX to XXXX, usually takes minutes but this time its been XXXX hours and the money not available there yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing a hard inquiry placed by Regional Acceptance Corporation on XX/XX/year>. I did not submit a credit application or provide written authorization permitting this entity to access my consumer report. 

Under 15 U.S.C. 1681 ( a ) ( 2 ), access to a consumer report without a permissible purpose is unlawful. Regional Acceptance Corporation has not produced evidence of a consumer-initiated transaction.

The continued reporting of this inquiry violates 15 U.S.C. 1681 ( e ) ( b ), as the credit bureau failed to follow reasonable procedures to verify authorization prior to reporting.

If this inquiry was made in connection with debt-related activity, it also violates 15 U.S.C. 1692c and 1692g, as no validation or proper notice was provided.

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 2025-12-18 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: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements. 
What I believe is wrong : The collection agency has failed to properly validate the alleged debt The account is being reported inaccurately and/or without sufficient evidence The reporting appears to violate the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ) The agency continues to furnish information that is incomplete, misleading, or unverifiable What I have done so far : I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts, the collection agency has not provided adequate proof or corrected the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: FL

Complaint narrative:
I enrolled in a career training and job placement program operated by Career Amend under what was described as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pay After Placement arrangement. I was instructed by XXXX XXXX staff to apply for and sign a private student loan with XXXX XXXX for program-related services. The application and execution of the loan were done with guidance and direction from XXXX XXXX. 

XXXX XXXX represented that they would sponsor or manage the loan payments as part of the XXXX program. For a period of time, payments were made on the loan by XXXX XXXX. The last payment made by XXXX XXXX was on or about XX/XX/year>. After that date, payments stopped without notice to me. 

As of XXXX XXXX, I was informed by Climb Credit that the account was delinquent and approximately XXXX  days past due. The loan is now marked past due, and late and return payment fees have been assessed. I am concerned about ongoing and future negative credit reporting. 

I contacted both XXXXXXXX XXXX XXXX XXXX XXXX  multiple times requesting clarification regarding payment responsibility, why payments stopped, and how the loan could be disputed, refunded, or corrected. XXXX XXXX advised me that only XXXX XXXX, as the program sponsor and recipient of funds, could initiate a dispute or refund. XXXX XXXX has refused to do so and instead insists that I remain fully responsible unless I agree to new financing arrangements. 

Despite repeated requests, I have not received clear, consistent, or corrective information, and the loan remains delinquent with ongoing credit risk. I am requesting regulatory assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I am disputing XXXX withdrawals from my XXXX  checking account under Regulation XXXX. 

The withdrawals were made through XXXX XXXX for time-sensitive event tickets. The tickets were not delivered by the required delivery date of XX/XX/XXXX, and the event occurred without me having usable tickets. As a result, the services were not delivered and I was never able to receive a refund, I contacted XXXX and XXXX multiple times sending them emails and calling them and Ive sent them a final warning I wanted to see if I can dispute it with BECU since XXXX denied my case Im issuing a full XXXX $ refund back to my bank account due to me not receiving tickets and XXXX not complying neither is XXXX. 

I bought the tickets on XX/XX/year> and was hoping I would go to bad bunny in XXXX I bought XXXX tickets off of XXXX for XXXX $ I was waiting for the tickets to be delivered on XX/XX/XXXX the time of the concert when that day came I never received the tickets so I contacted XXXX and they told me they cant do anything about it since I issued a chargeback with XXXX and they told me I would need to drop the case, I called XXXX about it asking about my refund and they denied my case since its past the XXXX  day mark for buyers protection and when I told them close my case they refused after multiple times of asking and asking the case was closed and when calling XXXX they said the case XXXX closed, so now XXXX in a tough spot, so I went to XXXX  today XX/XX/XXXX asking for a dispute under regulation XXXX they declined and said they cant do anything about it. 

I contacted XXXX and the merchant XXXX to resolve the issue, but XXXX denied my dispute. When I went to a BECU branch to dispute the XXXX withdrawals, staff stated that because the transactions were ACH and not debit card transactions, they may not be able to dispute them and did not open a Regulation XXXX investigation. 

I am requesting that BECU comply with Regulation XXXX by conducting a formal investigation into these XXXX withdrawals and providing appropriate credit for funds withdrawn for services not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
I am writing to formally dispute the accuracy of the following item ( s ) appearing on my credit report. This information is incorrect, incomplete, or can not be verified and should be removed or corrected pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681b ).

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 2025-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
XX/XX/year> I submitted an initial request for Servicemembers Civil Relief Act ( SCRA ) benefits on my mortgage and provided a copy of my active-duty orders. The request was later marked as resolved, however no representative contacted me, and no explanation or determination was provided. 

XX/XX/year> After receiving no follow-up or written determination, I re-contacted the lender to request clarification on the status of my SCRA request . 

XX/XX/year> I was contacted by a lender representative by phone. During this call, I was informed that I would receive written correspondence but that I was not approved for SCRA benefits because the mortgage was originated during active service.

During this call, I explained that Louisiana is a Key Provision state, and that Louisiana military relief provisions apply to certain obligations incurred during active service, including mortgages. I advised the representative that other financial institutions had confirmed eligibility under similar circumstances and followed up by email with this information. 

XX/XX/year> I received an email response stating : Our legal team has reviewed that Louisiana is a Key Provision state under the Servicemembers Civil Relief Act, and confirmed state benefits do not apply. 

I replied requesting clarification and stated that multiple financial institutions and publicly available CFPB guidance indicated Louisiana military relief provisions apply to certain mortgage obligations, even when incurred during active service. 

Later on XX/XX/year> The lender responded : We understand that there are other financial institutions providing SCRA benefits under the LA state law ; however, this has been discussed extensively with our legal team and confirmed the state law does not apply. 

I then sent a final follow-up requesting a specific legal basis, statutory provision, or exclusion supporting this determination, clarifying that I was not disputing their position but was requesting transparency on how the decision was made. 

As of today I have not received any response to that request, nor have I been provided a written explanation identifying the statutory or contractual basis for denying Louisiana military relief benefits.

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 2025-12-19 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: TX

Complaint narrative:
Could you look this entry over? XXXX unsure about its accuracy.

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 2025-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute the accuracy of the following item ( s ) appearing on my credit report. This information is incorrect, incomplete, or can not be verified and should be removed or corrected pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: MN

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-19 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: MN

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: TX

Complaint narrative:
Having always met my payment obligations on time, I find it troubling to see a late payment recorded on my account. This error is causing undue stress, and I urge you to address it immediately by correcting my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-19 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-19 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: IL

Complaint narrative:
I am writing to you as the holder of account number [ XXXX XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX  for my credit card, and home equity loan to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report.

Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXX ] [ XX/XX/XXXX [ XX/XX/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