vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: IL

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. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX 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 XXXXXX/XX/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 2025-08-22 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:
There are several accounts on my credit report that are reporting negative and inaccurate

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 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Recovery Solutions LLC
State: MI

Complaint narrative:
Repeated email attempts disputing the debt and to request required documentation since XX/XX/year>2025 have been ignored. Voicemails left with company representatives were ignored. 
Repeated phone calls by company. Last communication resulted in veiled threat of legal action and total unwillingness to listen to my request for how to properly communicate with me. Indicated that this was somehow a " refusal '', but a refusal of what was not explained. 
There was an incident of harassment.

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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On Today 's date XXXX XX/XX/year>, Chase Bank is attempting for force me to pay a check from another bank XXXX XXXX XXXX XXXX ( my account ) without resubmitting the check to XXXX  which have the fund to cover. This is an attempt to force me into an auto-draft program with Chase bank. 

1. There was no movement of funds From : XXXX to Chase 2. If there was any movement then XXXX would have had the negative balance 3. If I cover the funds in Chase, I could get charged 2 time because XXXX can resubmit the same check

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I was using the company 's services, Capital One XXXX ( formerly XXXX ), to earn shopping rewards on purchases. I have used their services so much that they claim I am violating the terms of service and they have closed my account with no notice. I went to log in and the system informed me my account did not exist any more. I then had to reach out to them ( email is the only method that provide ) and after 3 days they told me that my accounts ' activities violated their terms of service and provided a list of reasons that could have happened. There was not a specific reason they detailed and did not provide any proof or evidence. I was also never notified that any activity on the website was against the terms of service, they just shut down the account and took all of the funds I had without any warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Re : Complaint Against Experian, XXXX, and XXXX  Failure to Maintain Maximum Accuracy Under FCRA ( 15 U.S.C. 1681e ( b ) ) To Whom It May Concern, I am filing this complaint against the nationwide consumer reporting agencies Experian, XXXX, and XXXX  for failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

Despite multiple written disputes, supported with my FTC Identity Theft Report, proof of identity, and supporting documentation, the bureaus have continued to report fraudulent and inaccurate accounts on my credit file. This constitutes willful noncompliance with federal law and has caused significant harm to my credit standing. 
The following fraudulent accounts remain on my file and must be removed immediately : - XXXX XXXX XXXX XXXX ( Account # XXXX ) - XXXX  XXXX ( Account # XXXX ) - XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) - XXXX XXXX ( Account # XXXX ) - XXXX  ( Account # XXXX  ) Under 15 U.S.C. 1681e ( b ), the continued reporting of these accounts is unlawful because they are inaccurate, unverifiable, and the result of identity theft. Furthermore, the CRAs have ignored my rights under FCRA 605B ( identity theft blocking ) and FCRA 611 ( dispute procedures ), and have failed to conduct reasonable investigations.

I request that the CFPB compel the above credit reporting agencies to immediately delete these fraudulent accounts, correct my credit files, and ensure compliance with the FCRA moving forward.

Please investigate this matter and hold the consumer reporting agencies accountable for their violations under federal law. 
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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Re : Complaint Against XXXX XXXX and TransUnion Failure to Maintain Maximum Accuracy Under FCRA ( 15 U.S.C. 1681e ( b ) ) To Whom It May Concern, I am filing this complaint against the nationwide consumer reporting agencies XXXX XXXX and TransUnion for failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 
Despite multiple written disputes, supported with my FTC Identity Theft Report, proof of identity, and supporting documentation, the bureaus have continued to report fraudulent and inaccurate accounts on my credit file. This constitutes willful noncompliance with federal law and has caused significant harm to my credit standing. 
The following fraudulent accounts remain on my file and must be removed immediately : - XXXX XXXX XXXX XXXXXXXX ( Account # XXXX ) - XXXX  XXXX ( Account # XXXX ) - XXXX XXXX XXXX XXXX ( Account # XXXX ) - XXXX XXXX XXXX XXXX ( Account # XXXX ) - XXXX XXXX ( Account # XXXX ) - XXXX  ( Account # XXXX ) Under 15 U.S.C. 1681e ( b ), the continued reporting of these accounts is unlawful because they are inaccurate, unverifiable, and the result of identity theft. Furthermore, the CRAs have ignored my rights under FCRA 605B ( identity theft blocking ) and FCRA 611 ( dispute procedures ), and have failed to conduct reasonable investigations.

I request that the CFPB compel the above credit reporting agencies to immediately delete these fraudulent accounts, correct my credit files, and ensure compliance with the FCRA moving forward.

Please investigate this matter and hold the consumer reporting agencies accountable for their violations under federal law. 
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 non-monetary relief
Consumer complaint received 2025-08-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Re : Complaint Against XXXX, Equifax, and XXXX  Failure to Maintain Maximum Accuracy Under FCRA ( 15 U.S.C. 1681e ( b ) ) To Whom It May Concern, I am filing this complaint against the nationwide consumer reporting agencies XXXX, Equifax, and XXXX  for failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 
Despite multiple written disputes, supported with my FTC Identity Theft Report, proof of identity, and supporting documentation, the bureaus have continued to report fraudulent and inaccurate accounts on my credit file. This constitutes willful noncompliance with federal law and has caused significant harm to my credit standing. 
The following fraudulent accounts remain on my file and must be removed immediately : - XXXX XXXXXXXX XXXX XXXX ( Account # XXXX ) - XXXX  XXXX ( Account # XXXX ) - XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Account # XXXX ) - XXXX XXXX ( Account # XXXXXXXXXX ) - XXXX  ( Account # XXXX  ) Under 15 U.S.C. 1681e ( b ), the continued reporting of these accounts is unlawful because they are inaccurate, unverifiable, and the result of identity theft. Furthermore, the CRAs have ignored my rights under FCRA 605B ( identity theft blocking ) and FCRA 611 ( dispute procedures ), and have failed to conduct reasonable investigations.

I request that the CFPB compel the above credit reporting agencies to immediately delete these fraudulent accounts, correct my credit files, and ensure compliance with the FCRA moving forward.

Please investigate this matter and hold the consumer reporting agencies accountable for their violations under federal law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
The original company was XXXX XXXX  they sold collection too halstead financial and I settled the account and halstead is refusing too contact the XXXX credit agency that acct was settled so I called XXXX XXXX and told them I settled the account and they said the halstead financial is responsible for contacting the XXXX XXXX XXXX 's because we sold them the account so again I tell halstead and they say that they don't deal with credit agency 's so I'm stuck with my credit reports not being fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as a formal and urgent dispute regarding a fraudulent account appearing on my credit report. I did not authorize, apply for, or open this account. Its reporting is entirely false and damaging to my credit profile.

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 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Reference # : XXXX Original Creditor Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Creditor to Whom Debt is Owed : LVNV Funding LLC Current Creditor Account number : XXXX Total Balance Due : {$980.00} The company has repeatedly sent electronic communications to my personal email with offers to settle a debt. I requested for the company to provide a purchase agreement as well as a validation of debt. I am not liable for this debt with charter communications. I do not have a contract with LVNV LLC they have not provided me with the purchase agreement or the validation of debt. I have also reached out to the XXXX to file a complaint for the reoccurring attempts to collect. The emails just won't stop. The company they are seeking collection for is XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have disputing the reporting of the Affirm Inc. account ( # XXXX ) as shown on my credit reports. 
This account is marked as Paid, Closed with a {$65.00} write-off, but the payment history shows XXXX consecutive months of charge-off notations and contains multiple procedural errors. 
Specifically : The Date of First Delinquency ( DOFD ) is not clearly or consistently reported. 
Multiple months show duplicate charge-off entries, which may misrepresent the true delinquency period. 
The Status Updated date is XX/XX/XXXX, yet late and charge-off notations date back to XXXX without a clear, documented transition. 
The Original Balance and full monthly payment history are incomplete. 
The {$65.00} write-off is not itemized to show how it was calculated. 
I disputed this account with [ XXXX XXXX XXXX XXXX XXXX ] and requested a reinvestigation. The bureaus verified the account without providing supporting documentation from Affirm Inc., suggesting that a reasonable investigation was not performed as required by 15 U.S.C. 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
I am currently unable to get Mohela to update my payment counts from XX/XX/XXXX through XX/XX/XXXX with federalstudentaid.gov. The reason this is important is that I am currently working towards 120 payments or 10 years to have my loans forgiven through PSLF ( public service loan forgiveness ). If these payments were processed, I would be well over the required 120 payment count and my loans would be forgiven. 

The payment history clearly shows I have made the required payments to Mohela on their site ( our loan servicer ) but they are not forwarding these payment counts to the NSLDS ( national student loan data service ) who reports that information to federalstudentloan.gov. I have attached pdf documentation showing the monthly payments I've made to Mohela and the missing payments at federalstudentaid.gov. 

I've tried calling Mohela multiple times ; I have been disconnected after holding for two hours and have been disconnected after theyve said theyll transfer me to a supervisor who can further assist me. 

Mohela states that the problem lies with federalstudentaid.gov. Federalstudentaid.gov states the problem is with Mohela not correctly reporting payment updates to NSLDS. They refuse to talk to each other. 

Ive been told that Mohela has transitioned to a new servicing platform and the payments would be updated within 90 days. This update in not happening. 

I'm starting to think for some reason it is in the best interests of Mohela for our loans to NOT be forgiven as I'm assuming they must make some interest from our payments, especially if they never end.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TSC Accounts Receivable Solutions
State: TX

Complaint narrative:
The debts keep getting sold and i get calls daily, several times of days. The give the same information name and phone but caller id shows totally different phone giving a false impressionthe call is from some other number. It has gotten so bad I do not answer calls unless I know the person. I get numerous calls a day every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
I was surprised to find a late payment listed on my account, especially given my consistent history of timely payments. This error is causing undue stress, and I kindly request that you correct my records promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: IN

Complaint narrative:
At XXXX on XX/XX/year> I was on break at XXXX XXXX. I get a notification at XXXX my Wisely PayCard was declined for insufficient funds for a transaction of {$100.00}. I realized i had either lost my card or someone stole it and used it. I live in indiana and have not been to XXXX in a while. ( where the card was used. ) I then call the MyWisely Paycard team at XXXXXXXX XXXX to make a dispute and go ahead and start with the process they tell me its going to take a while for the dispute investigation. So in total of all transactions i lost around $ XXXX {$500.00} due to fraudulent charges.The addresses where my card was used were at XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX United States Thise 2 locations are not far apart but I have never been to either as i dont live in XXXX and i was at WORK when this happened. 


I WILL ATTACH IMAGES THAT CAN HOPEFULLY HELP MY CASE OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
My identity was stolen in XX/XX/year> and now I am receiving harassing calls from XXXX XXXX and spring oaks capital stating that I owe them a depth that they purchased from XXXX XXXX XXXX XXXX accounts that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$120.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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