vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am disputing a XXXX XXXX account reported by the XXXX Department of Education on my credit reports. The account shows a past due balance of {$5400.00} and is marked as a Collection Account. On both XXXX  and XXXX, the account is listed as Closed, yet it is still reported as a derogatory collection with an outstanding balance. 



If the account is closed, there is no factual or legal basis to continue reporting it as an actively delinquent debt. This is misleading and inaccurate under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ) which requires maximum possible accuracy, and 15 USC 1681i which requires a proper reinvestigation and deletion of unverifiable information.

I have disputed this account multiple times with the credit bureaus. Despite this, I have not been provided with : The original signed XXXX XXXX promissory note A full payment history and accounting of the balance Documentation showing I consented to third-party collection or credit reporting Under FCRA 1681b, furnishers must have a permissible purpose to continue reporting consumer data. Once an account is closed and in dispute, continued negative reporting without complete verification violates this requirement.

Also, I have been going back and forth wondering who the main creditor is and first it was XXXX, and they could not verify me, and i took matters into my own hands and found it was XXXX XXXX. Why have i not received any response? This is unprofessional and illegal! 


Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, any collector must provide proper validation before continuing collection activity. The Department of Education and any contracted servicer have not met these obligations.

The current reporting is damaging my credit score, causing denial of credit opportunities, and creating an inaccurate impression that I have an active delinquency when the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This dispute is will Apple Card, on XX/XX/year> we purchased a new item ( a bunk bed ) from XXXX using Apple card. The item arrived with an overwhelming amount of damage and poor attempts of repair which clearly indicated that is was second hand or refurbished. We contacted the merchant to have a refund and have them to come pick up the item since we were no longer interested in it given the lack of professionalism. They refused so we opened a transaction dispute with Apple. It has been over 6 months that we go back and forth with them because despite we providing all the evidence in our favor, they keep coming back every month to us that they did not approve our request because of " lack of evidence ''. These are clearly automatic messages. When we contact Apple, the person on the other side immediately reopens the dispute and says that we are right, that he sees the pictures and that some specialist will handle the situation for us. However after 30 days the situation repeats itself and we are back to the same point. Apple customer services and the general credit card services are awful and people should take responsibility on what they do but nobody does.We feel that nobody is actually doing their job with the ultimate result that customers are condemned to suffer for months something that they should not deserve. What we ask is that we get fully refunded by Apple and that XXXX ( if they want ) come pick up their bed by disassembling it, packing it back and leave once for all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today, I had another run in with hackers who ve successfully seems to have change my password, or my username, and I once again, having done this on XX/XX/year>25, and finished on XX/XX/year>25 was able to caused this behavior again. I had to change my password, give out again my last 5 digits of my social security online again. Truist Bank is allowing this, because Everytime I go in person to address this problem, the attitude, to act like they're, doing something, but the same problem keeps happening. It was during those behavior in XXXX when I went to my Bank to address these issues of my password, and username being affected too often.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and raise concerns regarding the 2017 data breach involving Equifax, in which the sensitive personal and financial data of approximately XXXX  million Americans, including mine, was compromised. 

As a result of this breach, I believe that my personal informationincluding but not limited to my name, Social Security number, date of birth, and potentially credit card or financial datawas exposed without my consent due to Equifax 's failure to adequately safeguard consumer data.

Since the breach, I have experienced [ briefly describe any consequences if applicablesuch as identity theft, fraudulent accounts, credit score impact, etc. ]. This has resulted in [ describe hardship : time spent resolving issues, emotional distress, financial loss, etc. ].

I respectfully request the following actions be taken : A formal written confirmation detailing whether my personal information was affected by the breach.

A record of any unusual or unauthorized activity associated with my credit file since the date of the breach.

Immediate removal or correction of any inaccurate, fraudulent, or suspicious information from my credit file.

Confirmation that a security freeze, fraud alert, or credit lock has been placed on my file at my request ( if applicable ).

Access to free credit monitoring and identity theft protection services beyond what was previously offered.

Please investigate this matter and provide a written response within the 30-day period allowed under the Fair Credit Reporting Act ( FCRA ). I expect a resolution that reflects Equifaxs responsibility in this matter and protects me from further harm.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Let me know if you'd like to tailor this to a specific incident ( e.g., identity theft ) or include legal references.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For XXXX balance was {$170.00}. I paid {$300.00} ( a check from third party ). At that time, I told the banker ( XXXX ) ) to gave me back {$120.00}. He told to keep it there to pay for the next balance ( XXXX ). I said it's fine .. For the following, month ( XXXX ), the balance of {$54.00} should be deducted from the remaining {$120.00}. BMO did not. Instead they insisted that I made payment with the new money. Since then, I stopped using the card. 
Bmo kept add new fees. I owe them nothing. I think BMO defrauded me even I always make my payments on time for many. XXXX the banker at XXXX branch did the calculation, went through all the statements with, he agree with me. He contacted them many times, trying to resolve this problem, not avail..

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX Last XXXX of XXXX : XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listedcorrectly. My address should read : XXXX XXXX XXXX XXXX, TX XXXX United States Employer : Im self employed. 

Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my XXXX card as well as a recent copy of my ( SocialA security card, utility bill, Etc ) for your verification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX Last XXXX of XXXX : XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listedcorrectly. My address should read : XXXX XXXX XXXX XXXX, TX XXXX United States Employer : Im self employed. 

Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my XXXX card as well as a recent copy of my ( SocialA security card, utility bill, Etc ) for your verification. 

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Complaint Regarding Inaccurate Reporting of Paid Debt To Whom It May Concern, I am writing to file a formal complaint regarding a debt that has been * * paid in full * *, yet continues to be reported negatively on my credit report.This inaccurate reporting is causing unjust harm to my credit score and violates the Fair Credit Reporting Act ( FCRA ).

Despite resolving this debt, the third-party agency continues to report it as derogatory.

I am requesting that the CFPB investigate this matter and ensure that the debt collector either updates the account to reflect its paid status or removes it entirely if it can not be verified accurately.

Thank you for your assistance in protecting my consumer rights and helping to correct this harmful error. 

Sincerely, 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
Consumer complaint received 2025-08-10 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: MO

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Complaint Regarding Inaccurate Reporting of Paid Debt To Whom It May Concern, I am writing to file a formal complaint regarding a debt that has been * * paid in full * *, yet continues to be reported negatively on my credit report.This inaccurate reporting is causing unjust harm to my credit score and violates the Fair Credit Reporting Act ( FCRA ).

Despite resolving this debt, the third-party agency continues to report it as derogatory.

I am requesting that the CFPB investigate this matter and ensure that the debt collector either updates the account to reflect its paid status or removes it entirely if it can not be verified accurately. 


Thank you for your assistance in protecting my consumer rights and helping to correct this harmful error. 

Sincerely, 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
Consumer complaint received 2025-08-10 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: MO

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Complaint Regarding Inaccurate Reporting of Paid Debt To Whom It May Concern, I am writing to file a formal complaint regarding a debt that has been * * paid in full * *, yet continues to be reported negatively on my credit report.This inaccurate reporting is causing unjust harm to my credit score and violates the Fair Credit Reporting Act ( FCRA ).

Despite resolving this debt, the third-party agency continues to report it as derogatory.

I am requesting that the CFPB investigate this matter and ensure that the debt collector either updates the account to reflect its paid status or removes it entirely if it can not be verified accurately. 


Thank you for your assistance in protecting my consumer rights and helping to correct this harmful error. 

Sincerely, XXXX XXXX XXXX

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

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-08-11 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: CT

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This complaint concerns the continued reporting of an account that is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide validation of the debt, proof of transfer or assignment, flow agreement, and bill of sale, as required under the Fair Debt Collection Practices Act and Fair Credit Reporting Act.

I have disputed this account directly with the furnisher and the credit bureaus, provided supporting evidence, and allowed 30 days to respond. The collector failed to supply the requested documentation but continues reporting the account.

I am requesting the immediate deletion of the collection tradeline from all credit reports and that all collection activity cease until full validation is provided.

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

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am filing a complaint because I have received a collection notice for an alleged debt, and the collector has not provided proper verification as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I am formally requesting that the debt collector provide : 1.The name and address of the original creditor.

2.A copy of the original signed agreement or contract creating the debt.

3.A complete account history, including all charges, fees, interest, and payments applied.

4.Proof that the collection agency has the legal right to collect this debt.

5.The date the alleged debt was incurred and the date of last payment.

Until the requested information is provided, the collector must cease all collection activity, including credit reporting, as required by law.

If the debt has already been reported to credit bureaus, they must be notified that the debt is disputed.

This is not an admission of owing the debt ; it is a lawful request for proof. I am requesting that the CFPB ensure the collector complies with the FDCPA and that all communications from the collector be in writing only.

Company response to consumer: Closed with explanation