vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PatientFi, Inc.
State: AR

Complaint narrative:
I am submitting this complaint regarding PatientFis handling of a medical financing account tied to XXXX XXXX XXXX XXXX. The issues reflect material failures in billing oversight, dispute resolution, and compliance with both consumer-finance standards and basic principles of safety and service verification. 

XXXX XXXX repeatedly canceled and rescheduled treatments for months, preventing services from being delivered within the clinically required 46 week interval for efficacy. Despite clear service disruption, PatientFi continued to disburse monthly payments to the merchant without verifying treatment completion or clinical validity. This represents a breakdown in due diligence and internal controls. 

During my dispute call with PatientFi, the representative acknowledged the service failure, confirmed the merchants inconsistent delivery, and stated that PatientFi could initiate a review and pull back funds. The call disconnected abruptly during this explanation. When I called back, a different representative contradicted the initial findings and stated there was nothing we can do. This inconsistency reflects deficiencies in documentation, continuity, escalation pathways, and dispute-handling protocols. 

As a financing entity for medical procedures, PatientFi has an obligation to ensure accurate billing, appropriate merchant performance verification, and compliant dispute processing aligned with the Consumer Financial Protection Act. These obligations were not met. 


I also hold a recorded call in which XXXX representative acknowledges service irregularities and discusses reversing charges. This documentation is available upon request. 


I am requesting : 1. Immediate suspension of billing during review 2. Full audit of payments disbursed for undelivered or clinically invalidated services 3. Reversal of improper charges 4. Written clarification of PatientFis dispute-handling and merchant verification protocols 5. Corrections of any negative credit reporting associated with this account, including removal of delinquency marks or adverse entries caused by PatientFi 's improper billing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Not allowed to XXXX down principle all xtra payments are being directed to intrest regardless of how I want to apply it YOUR COMPLAINT I have an Upstart Account if you look I pay well over the amount which is inexcess of XXXX a month for a Credit card not loan I asked to pay of the principle balance I was told that I was not allowed to I have cintinued to pay this high payment instead of 2 % of the credit balance I am being ask to pay well over 35 % this is the payment of car not a credit card they are and have been stealing from me help or I will file suite Attachments XXXX ( 3 KB ) Hide full complaint What product or service is your complaint about? 
PRODUCT OR SERVICE Credit card TYPE General-purpose credit card or charge card What type of problem are you having? 

Issue Fees or interest and payments Have you already tried to fix this problem with the company? 
NO Did you request information from the company? 
YES Type of Issue Problem with fees and payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing inaccurate late payments being reported by Capital One on an account ending in XXXX / XXXX. I have disputed this account multiple times with XXXX XXXX XXXX XXXX. XXXX  deleted the account as unverifiable. XXXX continues to report XXXX late payments even though Capital One has not provided proper verification. 

I submitted a CFPB dispute, and Capital One responded with a XXXX XXXX Although they included monthly statements, they did not provide actual verification, internal payment logs, or any documentation showing how the alleged late payments were validated. They did not provide a method of verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

The statements Capital One provided do not show any XXXX delinquency and are inconsistent with the dates they reported to the bureaus. No ledger, no proof of delinquency, no internal records, and no system notes were provided. This means the account is unverifiable, and the bureaus should not be reporting it. 

XXXX marked my dispute verified as accurate within the same day, which is a violation of FCRA 611 ( a ) ( 1 ) ( A ) because no reasonable reinvestigation was performed. 

XXXX XXXX also previously sent me letters stating they could not locate my account, could not determine what I was disputing, and could not verify the information yet XXXX continues to report the late payments. 

XXXX XXXX response to my CFPB complaint did not address all of my claims, did not provide verification, and did not correct inaccurate information. This is harming my credit and violating FCRA accuracy and investigation requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
this is not my account please remove Please block this information from my credit report within four business days pursuant to section 605c of the Fair credit Act 15 U.S. Code 1681c-2 15 U.S. Code 1692 ( d ) ( 5 ) 15 U.S. Code 1692 ( c ) ( a ) 15 U.S. Code 1692 ( c ) Please dont add a fraud alert or credit Freeze my file or consumer statement and if I have a fraud alert or credit freeze please remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing an inaccurate and improperly reported collection account furnished by XXXX XXXX XXXX for an alleged XXXX debt ( Account ending in XXXX XXXX XXXX XXXX XXXXXXXX ). This account was recently added to both Equifax and TransUnion, but it contains multiple FCRA and FDCPA violations. 

1. Impossible and inaccurate dates ( FCRA 623 ( a ) ( 5 ) ) Both bureaus show : Date Opened : XX/XX/year> Date of First Delinquency ( DOFD ) : XX/XX/year> This is impossible. The DOFD can not be earlier than the date the account was opened. This is a direct violation of FCRA 623 ( a ) ( 5 ). 

2. Collection was reported before any required validation ( FDCPA 809 ( b ) ) I was NEVER sent : a validation notice an itemized statement proof I owe this debt proof of assignment from XXXX the required 30-day dispute notice A debt collector can not report a collection before validating it. 

3. Reporting is inconsistent between Equifax and TransUnion ( FCRA 607 ( b ) ) The two bureaus show different details, different formatting, and incomplete account information. Furnishers and CRAs must report with maximum possible accuracy, which is not happening. 

4. No proof provided from XXXX ( FCRA 609 & 611 ) I have never been provided a contract, account statements, or verification that I owe this debt. If a furnisher can not validate a debt, the account must be deleted. 

This account is unverified, inaccurate, and misleading. It is harming my credit profile and violates multiple FCRA and FDCPA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by TransUnion. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : ( No accounts listed for TransUnion ) Inquiries : XXXX XXXX  Date of Inquiry : XX/XX/2025 Late Payment Accounts : XXXX Account Number : XXXXXXXX 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 2025-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Paid for XXXX XXXX to assist in a lian forgiveness program paid the fee and did not get the forgiveness from the program they promised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am disputing an inaccurate and improperly reported collection account furnished by XXXX XXXX XXXX for an alleged XXXX debt ( Account ending in XXXX XXXX XXXX XXXX XXXXXXXX ). This account was recently added to both Equifax and TransUnion, but it contains multiple FCRA and FDCPA violations. 

1. Impossible and inaccurate dates ( FCRA 623 ( a ) ( 5 ) ) Both bureaus show : Date Opened : XX/XX/year> Date of First Delinquency ( DOFD ) : XX/XX/year> This is impossible. The DOFD can not be earlier than the date the account was opened. This is a direct violation of FCRA 623 ( a ) ( 5 ). 

2. Collection was reported before any required validation ( FDCPA 809 ( b ) ) I was NEVER sent : a validation notice an itemized statement proof I owe this debt proof of assignment from XXXX the required 30-day dispute notice A debt collector can not report a collection before validating it. 

3. Reporting is inconsistent between Equifax and TransUnion ( FCRA 607 ( b ) ) The two bureaus show different details, different formatting, and incomplete account information. Furnishers and CRAs must report with maximum possible accuracy, which is not happening. 

4. No proof provided from XXXX ( FCRA 609 & 611 ) I have never been provided a contract, account statements, or verification that I owe this debt. If a furnisher can not validate a debt, the account must be deleted. 

This account is unverified, inaccurate, and misleading. It is harming my credit profile and violates multiple FCRA and FDCPA requirements.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX I received a text message from XXXX telling me that I do have a new inquirer because I applied for a credit card with JP Morgan, immediately I call JP Morgan ( Chase bank ) and I told them that I never ask for any credit cards, then they transferred me to the fraud department, then the Fraud Department make the complaint and they told me that they will send copies to XXXX XXXX XXXX XXXX  but when I contacted these companies they told me that they do not receive nothing from JP Morgan, then today I call back to JP Morgan looking for answers to my situation and they told me that I do have to call FTC to make a complain, means that they lyer to me all these time, then I call FTC and they open a case and send me an email with the email I have to go and a code number XXXX that I have to write to get my report but I cant get my report.The main problem is that because JP Morgan didnt handle my case properly I have an inquirer, my credit score went down XXXX points, I had XXXX which is Very Good, then now I do have XXXX which is only Good.Nobody help me and nobody cares about my situation, I hope you can help me because nobody is trying to help me.Please help me, thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I applied for {$700.00} with Collateral of my Sisters Car, not {$1100.00}. 

The account is being reported incorrectly as closed/charged off. 

I no longer have my original contract due to theft, but you had the contract and failed to maintain accurate records. 

Reporting false information on my credit report is a violation of FCRA and can result in legal consequences. 

FCRA requires that all information reported is accurate and verifiable. 

Reporting charged off while keeping their own name and inflating the balance = materially false information. 

If they portrayed that they wrote it off in a way that misleads lenders or credit bureaus, it can constitute fraud or misrepresentation. 

They cant have it both ways ; you cant be charged off AND never sold if youre claiming the debt was written off for tax purposes. 

Thats a compliance issue. 

Under FCRA + FACTA + Regulation V, a furnisher must provide supporting documentation when the consumer disputes accuracy NOT just say according to our system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CarMax, Inc.
State: CA

Complaint narrative:
Subject : Demand for Deletion & Legal Validation FCRA & FDCPA Violations To Whom It May Concern, This is a formal statement and demand regarding your attempts to collect on an account for which the original creditor has already filed IRS Form 1099-C, evidencing cancellation of the debt. Continued collection or reporting activity on a canceled debt is improper and may constitute a violation of state and federal law. 

Further, you have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( requiring maximum possible accuracy ) and 1681i ( a ) ( 5 ) ( requiring deletion of any inaccurate, incomplete, or unverifiable information upon dispute ). You have continued collection activity and failed to comply with my written dispute request, sent more than 45 days ago, which requested : Chain of title for the debt Assignment of debt contract Copy of the signed contract from the original creditor Any other legal documentation establishing your companys right to collect this debt As required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) - ( b ), you must provide written validation of the debt, including the name and address of the original creditor and documentation verifying the debt. If a consumer disputes all or part of the debt in writing, you must cease all collection activities until you provide such validation. By failing to send the verification after my written dispute, you have violated FDCPA 15 U.S.C. 1692g ( b ), and your continued attempts to collect, or report, may be unlawful. 

Legal Codes Violated : FCRA 15 U.S.C. 1681e ( b ) : Maximum possible accuracy in credit reporting FCRA 15 U.S.C. 1681i ( a ) ( 5 ) : Deletion of inaccurate, incomplete, or unverifiable information upon dispute FDCPA 15 U.S.C. 1692g ( a ) - ( b ) : Must cease collection and provide written verification after dispute If this account is not deleted from all credit reporting agencies and you do not cease all collection efforts within five ( 5 ) days, I am prepared to file a claim in small claims court ( Form SC-100 ) and pursue statutory and actual damages under 15 U.S.C. 1681n, 1681o, and 1692k. 

Take this demand seriously and act immediately. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
Kindly review the materials ; the questions were unexpected and may not be officially approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief