vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
This letter is in regard to a hard inquiry listed on my credit report that I did not authorize. Under the Fair Credit Reporting Act, specifically Section 604, no company or institution may access a consumers credit file without express written consent or a permissible purpose.

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 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, I was informed by XXXX  that a chargeback had been filed by a former partner for funds he previously sent through the app to cover shared living expenses. These payments were not for goods or services, but personal contributions to our rent, utilities, and groceriesclearly tracked through the shared expense group we created in the XXXX  app. This included itemized contributions toward rent, internet, gas, groceries, and other recurring bills, some of which were paid months prior ( e.g., {$460.00} on XX/XX/XXXX, and {$360.00} on XX/XX/XXXXXXXX  ). 

This chargeback was filed fraudulently and with full knowledge of its false basis. He had access to the group records and knowingly participated in documenting and paying these bills. I believe this is a deliberate misuse of the chargeback process to reclaim money sent in good faith, which has now led to my account being frozen. 

Ive already contacted XXXX, who informed me they are investigating but that the credit card issuer ultimately decides the outcome. This has caused undue financial stress and could set a harmful precedent for others if left unchallenged. 

Im requesting the CFPBs assistance in escalating this issue to both XXXX  and the card issuer involved to ensure that individuals can not weaponize financial systems for personal retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I took out a solar loan with Dividend Finance to install solar panels on my home. I was told the system would lower my energy costs, and that financing was simple and transparent. However, I later found out that the actual loan amount included undisclosed finance charges, and my payments are significantly higher than expected. 

I was not clearly told about the total cost of the system, interest terms, or that a lien could be placed on my home. I feel misled and believe this loan may violate consumer protection laws. 

I request an investigation and would like to be informed of any legal actions, settlements, or remedies available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
I hope this message finds you well. I am writing to request a review of a late payment appearing on my credit report, which I believe to be incorrect. I take my financial obligations seriously and always strive to make payments on time.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

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

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

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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX Request for Debt Validation under 15 U.S. Code 1692g To Whom It May Concern, This letter is being sent in response to a collection notice I received from your agency. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am exercising my right to request validation and verification of the alleged debt you claim I owe. 

Under federal law, you are required to provide me with the following information : 1. The name and address of the original creditor ; 2. The amount of the alleged debt, including an itemized breakdown of interest, fees, or other charges ; 3. A copy of any signed agreement or contract that verifies I am legally obligated to pay the debt ; 4. Proof that you are authorized to collect this debt and that your agency is licensed in my state, if applicable ; 5. The full chain of custody for the debt if it was sold or transferred.

Until proper validation is provided, you must cease all collection activity, including contacting me by phone or mail, and you may not report this debt to any credit reporting agency. If the debt is already being reported, you must mark it as disputed per 15 U.S. Code 1692e ( 8 ).

Please note, any further attempts to collect this debt without providing the requested validation is a violation of federal law, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general. 

This is not a refusal to pay but a request for validation pursuant to my rights under federal law. 

Sincerely, 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 2025-07-07 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
In an Early Lease Termination Form, ( ELTF ), it was clearly stated that the amount owed was XXXX dollars. No amount was entered into the provided space. This form was submitted in XX/XX/year>XXXX  and signed off by all parties. My contractual lease agreement ended on XX/XX/year>, with no mention or agreement of any monies owed at that time. 
The Apartment Management at XXXX XXXX XXXX XXXX, NC, decided two years later to try to collect money that was not owed. They sent their request to XXXXXXXX XXXX XXXX XXXX ( XXXX ), in XXXX MD. The Collection agency cancelled the request due to no supporting documentation from the apartment community and the issue was resolved at that time. 
This same XXXX XXXX tried a second time with a new collection company, ( Columbia Debt Recovery LLC DBA Genesis ), in XXXX WA and this company recently placed a charge off on my credit report without merit or supporting documentation that the debt is owed from XXXX. 
This type of bullying harassment is unacceptable and unwarranted. 
I would like for the charge off to be remove from all 3 credit reporting agencies please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AZ

Complaint narrative:
When the student loan payment freeze ended, I logged into my MOHELA account online to reactivate my monthly autopayment but my account was frozen and I was unable to take any action. I called MOHELA and they said they were overwhelmed and that to please give them a month or two and that it should be active. I waited and tried again. After two months, still unable to make changes in my account, including payments. I called again. This time they told me they put my loan in forbearance because I had registered and took XXXX credits and a local community college. I said I never requested that and it is not your decision to make such a financial decision on my account. They apologized and said they would fix it and give it about a month to reflect the changes. I did and again, I couldn't access my account to make payments. I called back. This time they said that is is their policy to put loans in forbearance if you enroll in XXXX or more credits at a public college. I said, since when? This has never been a policy I was aware of, never happened to me before and the only time I had forbearance I had to do a formal request. They said yeah, that is just their policy. I said, okay, well I already said I wanted it out and you said you were going to fix it when I called last time and you didn't. They said that is because I need to send a formal letter in the mail with that request. I said What? Why? That is not what I was told last time. They said Sorry, you were misinformed but that is what needs to happen to remove the forbearance. Then they told me that even " if '' they decided to remove the forbearance at my request, that I would need to pay ALL interest accrued during the forbearance period IN FULL before I would be able to make payments again or anything toward the principal balance. I want ALL interest they ILLEGALLY accrued during that period off my account and I want the forbearance status removed that they chose to do without my permission. This is fraud and unethical practices.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

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 2025-07-07 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:
I am contacting you regarding a collection account that appears on my credit report but for which I have never received any form of validation or supporting information. I was never notified of this debt and have no knowledge of owing such an amount.

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ROBINHOOD MARKETS INC.
State: KS

Complaint narrative:
I have an account with Robinhood credit account. They send me a notice saying my bill is due. I pay the bill and they dont take out my money from my account until up to a week later. I need them to automatically take my payment before other bills I have due take it from my checking account. By the time they decide to take my payment, I possibly dont have enough in my checking account and then Robinhood charges me return fees and late fees and it is ruining my account and credit score and costing me way too much, all because they wait up to a week until they take the money from my account. Please force them to take my payments immediately when I pay it and make them stop stealing money from me with their illegal scam of not taking payments.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
Midland XXXX  is deliberately misrepresenting my credit information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I have been making payments to my student loan provider, MOHELA. I am having issues of them crediting my account to show the payments. 

I have been making payments monthly through my bank 's XXXX XXXX. At times a check is sent, and other times it is an electronic transfer. If the payment is made by check, sometimes the check is cashed in a week, others it was several weeks. Each month, the time frame was not consitent. 

All but the XXXXXXXX XXXX  ( and XXXX now ) payment was taken from my bank. In speaking with a representative on XX/XX/year>XXXX  ( the first time I was able to reach anyone since having issues ), the company representative said their P.O. Box was closed for three weeks in XXXX so payments could have been sent back. I was informed by the representative that notification should have been sent out regarding this issue. I have elected to have electronic notification and never have recieved any correspondence to that fact. I never recieved a return check nor was I ever notified that their P.O. Box was closed and to resend the payment. So I have a payment check that is floating somewhere. 

Every correspondence I send to MOHELA, the response I get is that I am delinquent in my student loans. It goes no where from there. 

In speaking to the representative on XXXX, my account have had payments made to closed accounts, to wrong accounts, and now according to MOHELA, I am delinquent by three months. 

I have filed a complaint with the XXXX XXXX, even asked for this to be bumped to the Ombudsman, but I am not getting responses. 

I am making payments to MOHELA, and the payments are not being applied correctly or even taken out of my account. I could lose my job for this, I am maintain a security clearance. 

This is unnacceptable.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-07 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: PA

Complaint narrative:
I am filing this complaint because my credit report contains inaccurate and unauthorized items that I did not open, authorize, or benefit from. These accounts and inquiries do not belong to me and are negatively impacting my credit standing.

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 2025-07-07 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: PA

Complaint narrative:
I am filing this complaint because my credit report contains inaccurate and unauthorized items that I did not open, authorize, or benefit from. These accounts and inquiries do not belong to me and are negatively impacting my credit standing.

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 2025-07-07 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: TX

Complaint narrative:
I am writing to formally dispute the validity of a collection account that has appeared on my credit report. I have never received any notice of this debt, nor was I provided any verification of its legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: DC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: DC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6800.00}

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