vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Recovery Services, LLC
State: ID

Complaint narrative:
I have attempted to resolve medical debt that had gone to collections to a company called Medical Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As of XX/XX/year> they are attempting to garnish my wages but refuse to negotiate any kind of agreement to lower it even though I'm attempting to make a full payment. They are also charging me interest when there was no agreement with the hospital the bills are related to for me to pay interest. Furthermore Medical Recovery Services is refusing to tell be that the interest rate they are charging is. I just want to be able to pay this off but over half the amount I've paid this far had gone to interest. 

Furthermore while requesting a wage garnishment they had the paperwork mailed to an old address. I have been mailing in payments from my current address so they were aware of my new address that I have been at for almost XXXX  years now. It's also the same address listed on my license as well as all my other bills. There's no reason other to be dishonest that they would send this paperwork to an old address other than to get the garnishment approved without me having an opportunity to ask for an exemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a formal FCRA complaint regarding inaccurate, incomplete, and unverifiable information being reported by Equifax, violating Sections XXXX, XXXX, and XXXX, as well as XXXX XXXX reporting standards. Equifax has an obligation to maintain accurate, verifiable data and delete unverifiable items under Section XXXX. Additionally, XXXX 2017 data breach calls into question the reliability of its consumer data. I demand a full investigation and deletion of unverifiable items within XXXX ( XXXX ) days. 

Payment never late OR Under XXXX USC XXXX. Validation of debts XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please update to pays as agreed, never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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:
When I asked them to investigate dispute for errors they kept saying that company said it was valid and I got in contact with XXXX XXXX  myself and told them what XXXX said and they closed account that they were reporting because whoever account this was same name but different social security number was used and they knew this and still refused to correct their errors which has led to denials in trying to attain credit

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 2025-11-08 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: LA

Complaint narrative:
I am very upset at this point! The FCRA requires to correct or remove any informant on my credit profile that is not 100 % accurate. These accounts are making it extremely hard for me to obtain credit and get things I need for my family! I DEMAND that these accounts be deleted IMMEDIATELY! The dispute has NOT! been RESOLVED I have inquiries on my profile that were NEVER authorized by me I have made serval complaint and disputes to the appropriate credit bureaus, and all attempts have gone overlooked this is my final attempt to correct the matter before taken further action. 



I have also sent a copy of all previous correspondence to the CFPB and your states Attorney General. Lastly, I REQUEST they provide me a copy of my report, the results of actions no later than 5 business days after the completion of the reinvestigation I apologize for being so upset, however, your mistakes are causing me a world of trouble.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Re : Account : CITICARDS CBNA ( Acct # XXXX ) Dispute : XXXX late payments ( 2022 ) I am writing to dispute XXXX XXXX late payment entries on the above account, reported in 2022. These late payments occurred during the XXXX pandemic ( a federally recognized national emergency ), and under the Fair Credit Reporting Act ( FCRA ), such pandemic-related delinquencies may be eligible for removal if they resulted from hardship ( e.g., income disruption, illness ) during that period. 

I request verification of these entries and, per FCRA guidelines, their deletion from my credit report, as they do not accurately reflect my creditworthiness ( my account has since maintained on-time payments ).

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 2025-11-08 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: NY

Complaint narrative:
Re : Account : XXXX XXXX ( Acct # XXXX ) Dispute : 2 late payments ( XXXX  ) I am writing to dispute two 30-day late payment entries on the above account, reported in 2022. These late payments occurred during the XXXX pandemic ( a federally recognized national emergency ), and under the Fair Credit Reporting Act ( FCRA ), such XXXX-related delinquencies may be eligible for removal if they resulted from hardship ( e.g., income disruption, illness ) during that period. 

I request verification of these entries and, per FCRA guidelines, their deletion from my credit report, as they do not accurately reflect my creditworthiness ( my account has since maintained on-time payments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: OR

Complaint narrative:
I have submitted multiple forms to request deferment but most have gone unanswered unless the form was filled in wrong. I received feedback regarding XXXX applications in which I had fixed but had submitted numerous applications following that. No requests show up on the review request pages though I got a confirmation screen after showing that I had indeed submit the document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
Capital One has failed to properly address CFPB complaint case XXXX Responded and provided wrong ( XXXX ) Capital One Case number Capital One has ignored attached documents in case number XXXX Questions in regards to respons by Capital One What is the difference between case number XXXX and case XXXX, XXXX, XXXX Why the merchantwas reached out to in these XXXX, XXXX, XXXX Why merchantwas NOTreachedout to : case number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, I am reaching out to file a formal complaint regarding unauthorized accounts that are being reported on my credit file.I previously contacted all three credit bureaus to dispute these accounts and provided the necessary information to verify my identity. However, I have not received any response or confirmation that a proper investigation or reinvestigation has been completed as required under the FCRA. 
From my understanding, this type of unauthorized information should have been removed within 4 days of verification of identity and evidence that the accounts do not belong to me. The fact that these accounts are still present on my credit file is unacceptable and has caused significant emotional distress, frustration, and harm to my credit reputation. 
I take great pride in maintaining my credit and have attached all supporting correspondence and documentation related to my prior disputes. I am requesting that the CFPB review this matter and ensure the immediate deletion of the unauthorized accounts and that the bureaus comply with the FCRAs timelines and procedures.

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 2025-11-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I am reaching out to file a formal complaint regarding unauthorized accounts that are being reported on my credit file.I previously contacted all three credit bureaus to dispute these accounts and provided the necessary information to verify my identity. However, I have not received any response or confirmation that a proper investigation or reinvestigation has been completed as required under the FCRA. 
From my understanding, this type of unauthorized information should have been removed within 4 days of verification of identity and evidence that the accounts do not belong to me. The fact that these accounts are still present on my credit file is unacceptable and has caused significant emotional distress, frustration, and harm to my credit reputation. 
I take great pride in maintaining my credit and have attached all supporting correspondence and documentation related to my prior disputes. I am requesting that the CFPB review this matter and ensure the immediate deletion of the unauthorized accounts and that the bureaus comply with the FCRAs timelines and procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: OH

Complaint narrative:
NEW COMPLAINT with NEW EVIDENCE ( prior closed ). Chime email says " account settled with {$0.00} balance owed, paid in full, no payment needed. '' Yet XXXX XXXX {$73.00} charge-off, XXXX  shows late payments and 2 months of charge offs. There was a XXXX month period where they were changing the information being reported almost daily, all of it contradicting itself.. The Charge was unauthorized the credit builder safe credit building account is not a credit line. Theres not utilization. You transfer funds from your checking account to your credit builder account. And you spend it with your credit builder card like a debit card. When transactions are made, the funds are transfered to a secured account, and chime automatically pays your bill and reports positive payment. Per their policy you cant overdraft until they introduced XXXX in XXXX ( policy attached ). I called and asked for clarity, was told it was a mistake on there end, and they would delete it. Several other phone calls were made as no changes were made. Eventually i got an email stating i owed {$0.00} as it was paid in full. They contradict themselves by saying there were lates as its against their policy. I Offered to pay {$73.00}, and they refused. Disputes filed on XX/XX/XXXX. Ohio XXXX complaint filed today. Delete entire tradeline. FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
i sent 2 times now the first time was {$40.00} about a month ago and the second was tonight for {$250.00} to the wrong person on cashapp. this person i have no idea who they are in real life ive made complaints talked to cashapp support and they told me nothing they could do besides have me request a refund which i have done both times and this man is obviously not willing to send me my own money back so cashapp is allowing theft to happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
I am submitting this complaint that my XXXX account ( Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a late payment for XX/XX/year>, even though my records confirm that all payments were made on time. Accuracy in credit reporting is essential to maintaining my financial integrity and reputation. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute information I believe to be inaccurate, and I am exercising that right to request a correction of this account to reflect my true payment history.

It is also my understanding, under FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), that furnishers of credit information are required to promptly update and correct any inaccurate data. This duty reinforces my expectation that the reported late payment be investigated and corrected to accurately show my account as current.

Furthermore, the broader congressional intent of the FCRA, as outlined in FCRA 602 ( 15 U.S.C. 1681 ), emphasizes fairness, accuracy, and the protection of consumers from misleading credit reporting principles that support my request. Finally, under FCRA 609 ( 15 U.S.C. 1681g ), I have the right to review my credit information and ensure that every entry is correct, which motivates this request.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a formal FCRA complaint regarding inaccurate, incomplete, and unverifiable information being reported by Equifax, violating Sections 602, 609, and 611, as well as XXXX XXXX reporting standards. Equifax has an obligation to maintain accurate, verifiable data and delete unverifiable items under Section 611. Additionally, XXXX 2017 data breach calls into question the reliability of its consumer data. I demand a full investigation and deletion of unverifiable items within four ( 4 ) days. 

Payment never late OR Under 15 USC 1692g. Validation of debts XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update to pays as agreed, never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ] [ Date of Birth : XX/XX/XXXX ] [ Last XXXX of XXXX : XXXX ] Date : [ XX/XX/XXXX ] To : [ Capital One ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX Subject : Request for Confirmation of Dispute Resolution Capital One Account Dear [ Credit Bureau Name ], I am writing to request confirmation and documentation regarding the recent removal of the dispute remark from my Capital One account that appears on my credit file. 

Account Details : Creditor Name : Capital One Bank USA, XXXX. 
Account Number XXXX Reported Status : Charged off / Closed Remark Removed : Account information disputed by consumer Date Range of Removal : Between XX/XX/XXXX and XX/XX/XXXX Please confirm the results of your recent investigation or provide an explanation as to why the dispute remark was removed. I would also like to know whether the furnisher ( Capital One ) verified the account information as accurate, updated the reporting, or requested the removal of the dispute notation. 

If the dispute has been closed, please provide a copy of the investigation results and indicate the date on which the account was verified or updated. 

Thank you for your time and assistance. I look forward to your written response. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I received communication from Synergetic Communication claiming that I owe a debt.

I requested full validation and the original receipt/documentation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), but they have not provided proof of the debt. 
Despite my written request, they continue collection efforts, which violates federal law. 
This conduct also violates the XXXX XXXX XXXX, XXXX XXXX, which prohibits deceptive or threatening collection methods. 
I request that they immediately provide full validation ( including the original signed agreement or receipt ) or stop all collection activity and remove any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
I have previously disputed these accounts through XXXX online and electronic dispute channels, as well as directly with the furnishers. Despite providing evidence that these accounts are closed, charged off, and reflect a {$0.00} balance, TransUnion continues to report them with negative payment history and balance information. 

This reporting is both inaccurate and misleading and violates several provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy of consumer information.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation within 30 days after receiving notice of dispute.

15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of obsolete or misleading information pertaining to accounts that are no longer valid or collectible. 

Under FCRA, TransUnion has an affirmative duty to ensure that all reported data is accurate, complete, and verifiable. When a debt has been charged off and sold to a collector, the original creditor must report a {$0.00} balance, and the debt should not continue to show active delinquencies or past due balances.

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 2025-11-08 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: NC

Complaint narrative:
I have filed several disputes with Trans Union because I filed bankruptcy in XXXX. It was discharged and closed on XX/XX/XXXX. Trans Union is reporting that Im on a payment plan and that XXXX severely delinquent with the payments. I am not severely delinquent with the payments because the bankruptcy closed and discharged on XX/XX/XXXX Ive called Trans Union over and over again just for them to tell me not to worry then today this is XXXX XXXX. They decided to report that I opened a new bankruptcy on XX/XX/XXXX I have not opened a new bankruptcy. My bank XXXX  was in XXXX and it discharged enclosed until XX/XX/XXXX Ive called again. They keep telling me not to worry, however they are reporting that Im severely delinquent on five accounts now three XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and a XXXX XXXX card. All of these accounts were including in the XXXX  that has XXXX and closed on XX/XX/XXXX. Im not getting anywhere with Trans Union. Theyre not giving to me any help and every time I call them they report something else that is incorrect. Ive also spoke with them several times about my address. Ive been living in my house for 18 years. Ive sent in the proof that Ive lived in my house for 18 years. Ive sent in my drivers license Ive sent in my utility bills they say they corrected it. Its still not corrected. They have me living in XXXX XXXXXXXX XXXX XXXX  at a friend of mines house that Ive never lived at however, I live in XXXXXXXX XXXX XXXX  for the XXXX  years Now and they still wont correct it. Im at wits end of what to do so XXXX hoping that this company can help get this corrected and somehow I have Trans Union correct this information ASAP because as of 22 or three days ago, all of my account credit card accounts have been closing because theres negative reporting that Im severely delinquent when Im Not.

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