vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: PR

Complaint narrative:
I am writing to follow up on a formal dispute I submitted on XX/XX/year>, regarding inaccurate and/or fraudulent accounts listed on my credit report. 

More than 30 days have passed since my dispute was filed, and I have yet to receive a proper response or resolution. Instead, I was informed ( or it was implied ) that a third party may have submitted my dispute. I want to make it absolutely clear that I personally prepared and submitted the dispute. In fact, the original letter was signed by me and explicitly stated that I certified the dispute was prepared and submitted by me alone.

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 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I came in to withdraw XXXX dollars cash and make a deposit to my XXXX card which theyve done plenty of times before several at XXXX and once in XXXX location and she refused to do it saying shes been there x amount of years and never seen one done claiming they dont do those cards, and they do I have bank slips that prove they do transfers to that XXXX card and bank statements

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 2025-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NJ

Complaint narrative:
I Have been paying on time and all of a sudden I have a 90 day late and I am not 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WI

Complaint narrative:
No way to cancel automatic loan payments. Button on website to cancel does not work, and I have never been able to get a customer service person on the phone. The hold time on the phone will be hours long and then the call will just end randomly. Dont receive any monthly notice that the loan will be taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
My accounts were consistently payed! I possess an excellent payment record, and all payments were arranged on autopay. The transaction was handled incorrectly on their side, which is the reason for this late payment being reported. 

I request the update of the reported late payment. 

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, the client paid me {$890.00}, and subsequently Square froze my account for 90 days, promising to unfreeze it within two working days after XX/XX/year>. However, Square did not fulfill its promise and continued to freeze my funds. I contacted Square company, but they refused to provide assistance and even continued to hold my funds. I request Square to unfreeze my account balance as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment notations on my accounts violate 15 USC 1666. I have consistently paid on time, and these errors in reporting are unfair and unlawful.

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 2025-10-20 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: PA

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
INQUIRIES : XXXX XXXX WA XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this complaint because I believe Chase has failed to properly credit an incoming interbank reversal related to a XXXX transaction. 

On XX/XX/year>, I sent {$1200.00} via XXXX from my Chase account to a recipient who banks with XXXX  XXXX XXXX. I later filed a XXXX claim ( Claim # XXXX ) on XX/XX/year>, reporting that the transaction was unauthorized/ made in error.

Chase closed and denied my claim on XX/XX/year>, stating only that no funds were available for recovery and that the recipients bank reported the funds were withdrawn. No clear explanation or supporting documentation was provided despite multiple secure message requests. 

However, on XX/XX/year>, the recipient shared a screenshot of their XXXX  XXXX XXXX transaction history showing a debit labeled CLAIMS PROCESSING TRANSACTION FDES NTX. 

When I contacted XXXX  XXXX XXXX, their representative explained that while they could not confirm details of another customers account, the transaction description I provided was consistent with a legitimate interbank reversal or adjustment that occurs when a XXXX or ACH claim is processed.

Since then, I have repeatedly contacted Chase via secure message and by phone to ask whether Chase has received any FDES NTX or ACH credit associated with that reversal. Chase continues to give only generic responses such as no credit has been received or please contact customer service.

It has now been over 10 business days since XX/XX/year>, and I have still not received the funds or any clear confirmation of whether Chase has received or rejected the reversal.

I am concerned that the incoming reversal may not have been matched or applied correctly because my claim was already closed before the reversal was initiated.

I am requesting that : 1. Chases Executive Customer Relations or Treasury Operations verify directly ( via ACH trace or internal FDES inquiry ) whether any incoming credit or reversal has been received from XXXX  XXXX XXXX related to this transaction. 
2. If such a reversal was received, that the funds be properly credited to my account. 3. If no reversal was received, I request a written explanation confirming the ACH
trace results and communication with XXXX  XXXX XXXX through the interbank

network. 4. A copy of any correspondence or ACH claim documentation between Chase
and XXXX  XXXX XXXX related to this matter, if permissible under disclosure policy. 

I have exhausted Chases normal dispute process and received only generic responses, leaving me unable to verify where my money stands in the reversal process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR 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 explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: LAKE MICHIGAN CREDIT UNION
State: FL

Complaint narrative:
The account is with XXXX it was opened in XX/XX/year> and cancelled a couple days later as it did not work in my area the cancel was acknowledged by XXXX XXXX  but the ACH deductions continued from my checking account and continue to date my bank said XXXX XXXX would need to cancel but they have not and ask me again to visit their store for a second time presently the owe me {$940.00} and they will keep deducting from my checking account I need help

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 2025-10-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR 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 explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Credit Management XXXX. XXXX XXXX XXXX XXXX, CA XXXX Subject : Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg Dear Midland Credit Management, I am writing in response to your recent communication regarding the alleged debt referenced in your correspondence. This letter is a formal request for validation and verification of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg. 

Please provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including an itemized statement of interest, fees, and other charges. 
XXXX. A copy of the original signed agreement or contract creating the obligation. 
XXXX. Verification that you are authorized to collect this debt in my state. 
XXXX. Documentation proving your ownership or legal right to collect the debt. 

Until the requested information is provided, I request that you cease all collection activities, including reporting this alleged debt to any credit bureaus, contacting me by phone, or pursuing any further collection efforts. 

Be advised that any failure to provide the required documentation within the statutory time frame will be considered a violation of the FDCPA and may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office. 

Please direct all future communications regarding this matter in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: PA

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

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-10-20 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
New residential mortgage services ( NewRez ) has not reported my paid off status of my loans to the XXXX database as requested. I have multiple phone calls and emails documented and they are not following through with reporting the paid in full status. My loans were from XXXX and XXXX. They are fully paid. I requested in writing and on the phone- in XX/XX/XXXX- they report this to XXXX. They have still not done so. 

They are non compliant with proper reporting for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; paid in full XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; paid in full 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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: GA

Complaint narrative:
Dear Vance and Huffman LLC, I am writing in response to your email dated XX/XX/year>, in which you claim that I owe a debt. This letter is not a refusal to pay, but a notice that your claim is being disputed. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of the alleged debt.

Please provide the following information : The name and address of the original creditor.

The amount of the alleged debt and a detailed explanation of how that amount was calculated.

A copy of any written agreement bearing my signature that shows I agreed to assume this debt.

Verification that you are licensed to collect debts in my state, including your license number and registered agent.

Proof that you have the legal right to collect this debt ( e.g., documentation showing the assignment or transfer from the original creditor ).

Please note that until you provide the requested validation, you must cease all collection activities, including phone calls, letters, credit reporting, or legal action, as required by federal law.

If you can not provide proper validation, you must : Cease all collection efforts immediately, and Remove any information related to this account from my credit reports with all credit bureaus.

I request that all future communications regarding this matter be made in writing only.

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-20 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: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
During the COVID-19 period ( XXXX ), several debts were inaccurately or fraudulently reported under my name. At that time, I had a few legitimate debts that I have since paid in full. However, the accounts currently being reported by various debt buyers do not belong to me or are duplicates that were created through error or fraud. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$680.00} Spring Oaks Capital LLC XXXX XXXXXXXX XXXX XXXX XXXX  {$2600.00} Spring Oaks Capital LLC XXXX XXXX  {$1500.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$610.00} No actions have been taken causing me hardship.

Company response to consumer: Closed with non-monetary relief