vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: NC

Complaint narrative:
The XXXX XXXX XXXX sent my account to collections and then it went on my credit report for a bill in the amount of {$1400.00}. My insurance was never filed nor was I contacted regarding the bill so I could follow up on it. Once I spoke to numerous people I contacted my insurance company and they reached out to the collection agency along with The XXXX XXXX XXXX. The representative requested that they remove the negative report from my credit as they never filed the claim and if they would have it would have been paid. I am still waiting for the bill to be filed to XXXX. The date if service was from XX/XX/year> and now a year later they place a negative remark on my credit report for a service they never filed. So sad that I have to do someone else 's job and suffer the penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/scrub>/2025, I discovered a debt collection account from Diaz & Associates , Inc. on my credit report in the amount of {$1700.00}, allegedly owed to XXXX. I do not recognize this debt and have never received proper validation. 

On XX/XX/scrub>/2025, I mailed Diaz & Associates a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). They have not provided sufficient documentation proving I owe this debt or that they have the legal right to collect it. Despite this, they continue to report the account to the credit bureaus, which is harming my credit.

I dispute the validity of this debt in its entirety and request that Diaz & Associates either provide full validationincluding proof of ownership of the debt, an itemized accounting of the balance, and the original signed agreementor immediately remove the account from all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: AZ

Complaint narrative:
This account is entered as a collection account on three of the major credit reporting agencies in spite of them not handling the account any further. What has transpired now is that ONE account is now being reported by two different collection agencies and neither are wanting to remove the item, they still list it as an open account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is reporting the same {$620.00} debt twice under two separate accounts, creating the false appearance of multiple derogatory accounts. One is listed as a medical collection even though the original creditor is XXXX XXXX XXXX ( not a medical provider ). Both entries are coded as Account not disputed, even though I challenge the accuracy of this reporting. 

This duplicate reporting and misclassification violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681s-2, 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692g ) by furnishing inaccurate information, failing to report the dispute, and misrepresenting the character of the debt.

I request that the CFPB investigate XXXX XXXX XXXX / XXXX XXXX, order immediate deletion of both accounts from my credit reports, stop all unlawful collection activity, and award {$6000.00} in damages for repeated violations of my consumer rights.

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 2025-08-25 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: IL

Complaint narrative:
Multiple inaccuracies being reported. Mutiple incomplete accounts and records being reported. Report not meeting the lawful requirement of maximum accuracy. Unverifiable information being reported.

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 2025-08-25 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: Nelnet, Inc.
State: SC

Complaint narrative:
To Firstmark Services XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  In accordance with the fair credit Reporting acrXXXX Accouht # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card XXXX account under an open end consumer credit plan as late for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/year>2025, I discovered a debt collection account from Diaz & Associates , IncXXXX on my credit report in the amount of {$410.00}, allegedly owed to XXXX. I do not recognize this debt and have never received proper validation. 

On XX/XX/scrub>/2

025, I mailed Diaz & Associates a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). They have not provided sufficient documentation proving I owe this debt or that they have the legal right to collect it. Despite this, they continue to report the account to the credit bureaus, which is harming my credit.

I dispute the validity of this debt in its entirety and request that Diaz & Associates either provide full validationincluding proof of ownership of the debt, an itemized accounting of the balance, and the original signed agreementor immediately remove the account from all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: AZ

Complaint narrative:
I am filing this complaint against Experian for their continued reporting of a XXXX  XXXX Bankruptcy ( Ref : XXXX ) on my credit reportdespite the fact that I have never filed for bankruptcy in my life. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

I previously submitted a formal dispute regarding this inaccurate entry, yet Experian failed to conduct a meaningful or lawful reinvestigation. They did not contact the original source of the bankruptcy claim nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation.

Experian appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation.

Further, under FCRA 607 ( b ), Experian has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a false bankruptcy on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused XXXX XXXX  and denied me access to financial opportunities. 
I am also aware that In XX/XX/year>2025, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data .. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Experian to immediately delete the inaccurate bankruptcy from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o.

I have attached my formal dispute letter dated XX/XX/year>2025, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Driveway Finance Corporation
State: CT

Complaint narrative:
This account reflects inconsistent balance reporting. Please correct or delete under FCRA 623 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
XXXX is reporting student loan accounts under my credit file using an incorrect date of birth provided by XXXX XXXX XXXX ( XXXX ). This does not match my legal identity. My official documents prove my true XXXX is XX/XX/year>. 

Because of this error : The loans are being reported inaccurately. 
XXXX can not verify the accounts under my legal identity. 
My credit reports contain inaccurate, damaging information. 

Violations : FCRA 1681e ( b ) : CRAs must assure maximum possible accuracy.

FCRA 1681i ( a ) : Disputed accounts must be deleted if not verifiable within 30 days.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not furnish inaccurate information.

FCRA 1681s-2 ( b ) : Furnishers must investigate disputes and delete unverifiable data.

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 2025-08-25 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: GA

Complaint narrative:
XXXX is reporting student loan accounts under my credit file using an incorrect date of birth provided by XXXX XXXX XXXX ( XXXX ). This does not match my legal identity. My official documents prove my true XXXX is XX/XX/year>. 

Because of this error : The loans are being reported inaccurately. 
XXXX can not verify the accounts under my legal identity. 
My credit reports contain inaccurate, damaging information. 

Violations : FCRA 1681e ( b ) : CRAs must assure maximum possible accuracy.

FCRA 1681i ( a ) : Disputed accounts must be deleted if not verifiable within 30 days.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not furnish inaccurate information.

FCRA 1681s-2 ( b ) : Furnishers must investigate disputes and delete unverifiable data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I discovered a debt collection account from Diaz & Associates , Inc. on my credit report in the amount of {$410.00}, allegedly owed to XXXX. I do not recognize this debt and have never received proper validation. 

On XX/XX/year>, I mailed Diaz & Associates a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). To date, they have not provided sufficient documentation proving I owe this debt or that they have the legal right to collect it. Despite this, they continue to report the account to the credit bureaus, which is harming my credit. 
I dispute the validity of this debt in its entirety and request that Diaz & Associates either provide full validationincluding proof of ownership of the debt, an itemized accounting of the balance from the original {$260.00}, and the original signed agreementor immediately remove the account from all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
The card was opened fraudulently in XXXX. It was closed in XXXX. The store has gone out of business but is still reporting late payments as of XX/XX/XXXX the account was closed in XXXX. The account number is XXXX the amount is {$1600.00}. This was opened without my knowledge I have been battling identity theft for XXXX  years or better, and I have repeatedly asked for information that proves this account was mine, and they refuse to give me that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Im writing to dispute the accuracy of an account listed on my credit report by : DEPARTMENT OF ED/AIDVANTAG as I did not open or authorize an account to be opened by DEPARTMENT OF ED/AIDVANTAG. No mailing, no email, no phone call, no meeting in person nothing prior to this account being opened DEPARTMENT OF ED/AIDVANTAG and placed {$3500.00} on my credit report. I received an email informing me from one of the credit bureaus that the account was open. This account was opened without my knowledge or consent and request that it be investigated and removed. I would like to know who opened this account ( student or person ) and the college that accepted the funds. I have not been able to get this information. Im a retired senior citizen not a college student. Im really interested in how this could happen since I have a freeze on my accounts prior to XX/XX/scrub>XXXX XXXX  when this account was opened and the account is still frozen. When I wanted to open a credit card I had unfreeze my credit account prior to receiving approval how can this happen without knowledge or approval fraudulently?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
sent a request for XXXX accounts with Affirm and sent a certified letter requesting information and validating the debt. These accounts show an address I have never lived at and I disputed 4 times with Experian and they claim its valid. Affirm XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Dear Affirm, You stated on Experian on XX/XX/year> and claim twice that I am responsible for several debts with Affirm showing you as the creditor of a debt in which I have no such agreement with your company. Please answer the following questions and supply the information stating I am responsible of this alleged debt. 1. To whom do you think I owe this debt and what amount do you claim I owe? I will need the name, address, account numbers and amounts to these alleged debts. 2. Please provide the original contract with my signature, when and where this alleged debt took place and what address it is being sent to due to the fact you are certifying to the credit bureaus the information is true and undisputable. 3. I also want the information of the alleged debt, what was credit obtained for, why was 2 accounts obtained within 1-2 months of each other referring to the first 2 questions 4. Provide billing statements any fees and interest charges permitted by original contract or by law. I request this information and treat this as a debt being in dispute. I also sent this information previously to you and asked for the information upon investigation by you which was never provided as well as AFFIRM. The address is an address in which i never lived at or have knowledge of been given loans or services nor have I been sent a bill of such contractual obligations and under 15 US1681 C2 and 15 US 1681 S2 it is unlawful to provide inaccurate information and I had disputed multiple times in which everyone has validated these alleged debts but have never provided me one piece of evidence supporting. I am sending my address for thw last XXXX  years on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Apple Card XXXX Goldman Sachs Bank USA has repeatedly called me even after I clearly revoked consent to be contacted by phone. Despite my written notice instructing them not to contact me by telephone, I continue to receive harassing calls at various times of day. I have documented multiple calls from their number ( XXXX ) in XXXX and XX/XX/year>, which I have attached as evidence. 

These actions violate my consumer rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c, 1692d ( 5 ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Each call constitutes a separate violation. This ongoing harassment has caused me significant stress and emotional distress.

I request that the CFPB investigate Apple Card / Goldman Sachs Bank USA, order them to stop contacting me by phone, correct/delete any unlawful credit reporting, and award me {$10000.00} in damages ( {$1000.00} per violation ) for their repeated and willful violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: U.S. BANCORP
State: IL

Complaint narrative:
wrongdoer is in breach of the public trust, 15 USC 1, and 15 USC 1692, and criminal violations under 18 USC 1341.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX and I live in the XXXX area. 
Im reaching out because Im stuck in an impossible situation with Experian, and I believe this is an issue many other consumers could be facing too. 

In XX/XX/year>, I froze my credit files with all three credit bureaus ( Experian, XXXX XXXX  ) out of caution. Recently, I needed to apply for a loan and went to unfreeze them. XXXX and XXXX allowed me to unfreeze without any problems. But Experian has completely locked me out of my account. 

Ive sent repeated emails to Experian, but I can not regain access to my own file. This means I cant unfreeze my credit, and its blocking me from moving forward financially. 

It feels unfair and dangerous that one of the largest credit bureaus can lock consumers out of their accounts with no solution. I know Im not alone in this, and I think your viewers would want to know how easily this can happen. 

Id be grateful if your team could look into this or help me get XXXX attention. Please let me know if youd like more details.

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 2025-08-24 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: CA

Complaint narrative:
My credit card payment posted on XXXX for XXXX, and the bank reported it as a non-payment the same day. It's on my credit report XX/XX/XXXX payment, it's on the XXXX payment. XXXX I made a {$60.00}. payment on my credit card. On XXXX, my online account was XXXX. When I called, the woman said payment was NSF and was reversed, so I owed {$58.00}. I paid it. I had money in my main account to pay it. Someone in the bank transferred {$150.00}. to my draft account, it was not me ; my transfers always say " XXXX XXXX. '' There wasn't enough money to cover my payment. XXXX, the bank made a partial payment of {$47.00}. I would have paid the full payment on XXXX bank made the rest of that payment on XXXX. I made {$110.00}. payment for XXXX and XXXX. On XXXX, I paid my card in full {$1700.00}. XXXX days later, there is {$47.00} in my card account, and I have to pay it on XXXX. They took out XXXX of the past payments, and the next day it said NO available credit. I owe {$57.00}. They added interest to a paid account. They also reported non-payments for XXXX and XXXX on my credit report. They also took XXXX {$17.00}. courtesy fees are out for nothing, and late fees. I owe nothing on my card ; the bill even adds up to XXXX. I was told they took that money out because I was trying to get credit for a double payment, but there wasn't one. They had no right to get in my accounts and not tell me anything ever. Now it says closed account as of XXXX on my credit report, which was XXXX weeks before I paid it off. Something is wrong with XXXX ; it's got to stop. I can't pay all my bills since they took so much money and ruined my credit again.

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