vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
Harvard Collection Service has put a negative remark on my credit report for the amount of XXXX dollars and XXXX cents. On the credit report it states that this was first negligent in XXXX of XXXX. This is absolutely false because I never received services until after XX/XX/XXXX when I lost everything in a house fire and was unemployed. I tried to file motions against the state of Illinois department of human services they did not respond. They proceeded to send the account to the IRS where it was taken out of my tax return as of this year XXXX. I have sent multiple letters to the credit reporting agencies as well as the company. XXXX  somehow states that it is valid every time I have submitted a complaint without handing over discovery to me as to how they verified this debt. The company has also failed to reach out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
Debt was put on my credit for XXXX XXXX  for a phone that I never gotten as well they stated that letters was mailed to and address that a deceased family member lived. Has been deceased for almost 3 years this XXXX. I never received letter or was aware of such debt. Want this to be removed off all XXXX credit bureaus immediately. Debt was not proven to be mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: NY

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 non-monetary relief
Consumer complaint received 2025-06-01 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: IL

Complaint narrative:
This is my * * third formal attempt * * to address the inaccurate and misleading information that remains on my credit report since XXXX of XXXX.While I acknowledge that some items have been removed or updated, * * several accounts continue to be incorrectly reported * * either marked as accurate despite lacking proper verification, or returned with status changes that do not reflect the truth. 

These negative accounts and remarks are * * unfounded * *, and they are continuing to * * severely damage my credit score * * and overall financial standing. The ongoing presence of this false information constitutes a * * failure to meet the accuracy, completeness, and verifiability standards required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) * * and * * Metro 2 compliance guidelines * *.

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 2025-06-01 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, Collector : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DE Zip XXXX ( account number ) XXXX HAS VIOLATED MY RIGHTS. H XXXX XXXX XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 
XXXX XXXX XXXX SECTION XXXX A SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: OR

Complaint narrative:
I requested assistance in repaying or lowering credit interest rate and they changed my payment and I had trouble paying and keeping the same password on the app I dont want them to shut off the card or make it inactive

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: VA

Complaint narrative:
I am filing this formal complaint against the following furnishers and credit reporting agency ( Equifax ) for continued reporting of unverified, inaccurate, and potentially unlawful collection accounts under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. Despite previous disputes and consumer statements, these accounts continue to report without verified documentation or compliance with federal law. 

* * Disputed XXXX Accounts : * * XXXX. XXXX XXXX XXXX {$460.00} Opened XXXX XXXX. XXXX XXXX XXXX {$570.00} Opened XXXX XXXX. Bounce XXXX XXXXXXXX {$600.00} Opened XXXX XXXX. XXXX XXXX XXXX {$610.00} Opened XXXX XXXX. XXXX XXXX XXXX {$620.00} Opened XXXX XXXX. XXXX XXXX XXXX {$620.00} Opened XXXX XXXX. XXXX XXXX XXXX {$1400.00} Opened XXXX XXXX. XXXX XXXX XXXX {$2600.00} Opened XXXX * * Violations Include : * * - Failure to validate debts as per FCRA 1681i and 1681s-2 ( b ) - Failure to maintain maximum possible accuracy ( FCRA 1681e ( b ) ) - Reporting unverifiable and incomplete data in violation of Metro 2 standards - Lack of method of verification upon request ( FCRA 1681g ) - Re-aging and continued furnishing after disputes These items are negatively affecting my creditworthiness and causing financial and emotional harm. I respectfully request the CFPB demand that Equifax and the furnishers above either provide documented proof from the original creditors validating these accounts, or delete and block the accounts under FCRA 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: OK

Complaint narrative:
I am writing to formally report an incident of identity theft involving an unauthorized apartment lease with XXXX XXXX, which has been referred to collections by IQ Data using my personal information. This issue was brought to my attention by the collection agency IQ Data in collaboration with my XXXX XXXX XXXX advisor. An IQ Data representative filed a claim and forwarded it to the fraud department, including XXXX XXXX. 

I was advised that I would receive a resolution letter from the leasing manager, XXXX ; however, it has now been over 90 days, and I have not received any communication regarding this matter. 

For your reference, I have attached all relevant documents sent to both IQ Data and XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, I am requesting an investigation into this matter. I request that the fraudulent apartment lease be closed, that I be released from any liability associated with this account, and that the account be removed from all consumer reporting agency files. 

Requested Resolution : - Written confirmation that the apartment lease has been closed due to fraud - Confirmation that I have been released from liability for all related activities - Removal of the account from all consumer reporting agency records Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
The auto loan account was reported opened on or around XX/XX/year>. I did not initiate, authorize, or sign any valid, binding contract with XXXX or any affiliated dealership. No documentation has been provided to show : - A signed retail installment contract - Verified identity and lawful consent at origination - Legitimate benefit or delivery of a vehicle If this account was opened using misrepresentation, coercion, or identity misuse, it is a direct violation of the Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX ) and the 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 2025-06-01 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: FL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 

XXXX XXXX {$470.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX  {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I would like my student loans off my credit score. It has affected my credit score significantly and XXXX not able to get loans to start my business so that I can start paying back my student loan. I need help please. Im a XXXX XXXX of XXXX and bills are killing me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I filed a dispute through credit karma and they have not resolved the dispute and it has been more than XXXX  days. This dispute was filed in XXXX of XXXX and it is XX/XX/year>, yet it still says the dispute is still under review. I filed a dispute for a debt collector that I have no knowledge of. 

I requested the following information below through Credit Karma and they have not resolved the investigation within XXXX  days, and I stated in my original request that if they could not provide the documentation and evidenc, then the account must be deleted off of my credit report, but they have not deleted it after XXXX months. 

Below is the letter I sent to credit karma : " I am writing to dispute the collection account listed on my credit report under Section XXXX of the Fair Credit Reporting Act ( FCRA ). I am requesting the removal of the following account from my credit report due to a lack of proper verification and documentation. The details of the account are as follows : Collection Agency Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX  Amount Reported : {$140.00} As per my rights under the FCRA, I request that you provide the specific documentation required to verify the legitimacy and accuracy of this collection account. Please send me the following information for verification purposes : The original signed contract or agreement related to this debt. 

A detailed payment history for this account. 

Proof that the creditor has the legal right to report this debt to your bureau. 

Provide the name and address of the original creditor. 

Provide verification or documentation of the debt. 

Show how this account was verified and what documentation was used to confirm the debt. 



If you are unable to provide the requested verification within XXXX  days, I respectfully request that you remove this collection account from my credit report as required by law. 

Please consider this letter as my formal dispute of the reported collection account. I am looking forward to your response within the statutory time frame. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Mobiloans, LLC
State: TN

Complaint narrative:
I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX  handling of my credit report. On XX/XX/year>, I sent a letter to XXXX requesting an investigation into the reporting of an account associated with Mobi Loans LLC. This account, being a charged-off account, should accurately reflect a XXXX balance. 
Despite my efforts to resolve this matter, XXXX  failed to conduct an appropriate investigation or make the necessary corrections. This inaction has led to inaccuracies on my credit report, which continue to negatively affect my credit profile. I request the CFPB 's intervention to ensure that XXXX  fulfills its obligation to investigate disputes and update my credit file to reflect the correct information. 
Your prompt attention to this matter is greatly appreciated. Thank you for your assistance in addressing this issue.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress from ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the validity of all accounts currently listed as collections on my credit report. I request a thorough investigation into each collection account reported. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to verify the accuracy and completeness of these accounts. Should you be unable to provide verifiable proof validating the accuracy of these items, I demand their immediate deletion from my credit file. 
Please send me written confirmation detailing the results of your investigation and any deletions made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: NY

Complaint narrative:
b'I am writing under the Fair Credit Reporting Act (15 U.S.C.  1681i) regarding a collection account from XXXX XXXX XXXX XXXX XXXX XXXX (Partial Account #: XXXX XXXX XXXX) that continues to appear on my credit report. This account was previously deleted by XXXX  following my Consumer Financial Protection Bureau (CFPB) complaint, yet your bureau continues to report it as Verified with a balance of $XXXX, despite my multiple disputes.\nI have already sent several requests asking for verification of this debt, including but not limited to:\nForward Flow Agreement\nChain of Assignment\nPurchase Agreement\nInsurance Claim of Debt\nUnder my rights granted by the Fair Credit Reporting Act  611(a)(7), I am formally requesting a detailed description of the procedure your bureau used to verify this information. Please provide in writing, within 15 business days of your receipt of this letter:\nThe method(s) used to verify the accuracy and completeness of the information concerning this XXXX XXXX XXXX XXXX XXXX XXXX account.\nThe name, address, and telephone number of each furnisher of information that was contacted as part of your verification process.\nCopies of all documents used to verify the debt, including but not limited to proof of ownership and the complete chain of custody (e.g., Forward Flow Agreement, Chain of Assignment, Purchase Agreement, Insurance Claim of Debt).\nUntil you provide this information, I request that you flag this account as in dispute on my credit report. If you cannot supply a responsive description of your procedures and supporting documentation, you must delete or permanently correct the item under 15 U.S.C.  1681i(a).'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: FL

Complaint narrative:
In XX/XX/XXXX, I entered into an auto loan agreement with US Bank as a co-borrower. The loan application was submitted using my personal name and Social Security number, and I am personally responsible for the loan. However, I later discovered that this loan has not been reported to any of the major consumer credit bureaus ( Experian, Equifax, or TransUnion ). 

After noticing this during a recent mortgage application process, I contacted US Bank several times beginning in early XXXX to request that the loan be reported under my personal credit. I was informed during a phone call with a US Bank representative that, since I am listed as a co-borrower, the loan should be reported. In response, I received a letter dated XX/XX/XXXX, stating that they were " unable to conduct a further investigation '' and that the matter was closed with no legal explanation provided. 

To follow up, I mailed a written request in XX/XX/XXXX, including a copy of the purchase contract which clearly shows I am a co-buyer. In response, I received another phone call and follow-up letter from the dispute department, restating the same conclusion with no clarity or justification under law or US Bank policy .

While the vehicle was originally titled under a single-member XXXX  that I solely own, the XXXX  is now inactive, and the loan was personally applied for under my own name and Social Security number . I am personally liable as a co-borrower, and the purchase contract reflects this. I am also in the process of transferring the vehicle title into my personal name to fully align ownership with the loan structure. 

This loan continues to not appear on my personal credit report, which is negatively impacting my credit profile and hindering my ability to qualify for a mortgage. Since I am legally responsible for the debt and have made all payments on time, I am simply requesting that US Bank fulfill its obligation to furnish complete and accurate credit information. 

This situation may constitute a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires companies to report accurate data and investigate disputes properly.

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 2025-06-01 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:
The auto loan account was reported opened on or around XX/XX/year>. I did not initiate, authorize, or sign any valid, binding contract with XXXX or any affiliated dealership. No documentation has been provided to show : - A signed retail installment contract - Verified identity and lawful consent at origination - Legitimate benefit or delivery of a vehicle If this account was opened using misrepresentation, coercion, or identity misuse, it is a direct violation of the Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX ) and the 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