vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
This loan was falsely taken out in the XXXX by a person with a similar name. I PAID this loan under duress in approximately the year XXXX, OVER XXXX  YEARS AGO. The account is being reported as new, and it is not. This furnished information is inaccurate ; a zero-dollar balance can not be substantiated and is false. This false information has decreased my XXXX XXXX XXXX points, and I demand removal from the credit bureaus. This is a blatant violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: VA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXXXXXX Account # : XXXX * * * * * * Account name : XXXX Account # : XXXX * * * * * * * * * * Account name : XXXX XXXX XXXXXXXX Account # : XXXX * * * * Account name : XXXX XXXX XXXX  Account # : XXXX * * * * * * * * I looked at my Equifax credit report and on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-06-23 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-06-21 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to 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 non-monetary relief
Consumer complaint received 2025-06-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/year>, I sent a certified goodwill letter to Capital One explaining that I was facing extreme hardship, including XXXX XXXX XXXX, and the recent loss of immediate family members. I received no response. In XX/XX/year>, I followed up with a second certified letter, both were confirmed delivered. 

Despite having my phone number, email, and updated XXXX XXXX XXXX ( which was clearly listed on the return envelope ), Capital One continued to send physical letters to an outdated address. They never contacted me through any of the other methods on file, even though I continued to receive emailed updates from them regarding interest charges. 

In XXXX, I called and spoke to a representative XXXX XXXX, ID # XXXX ) who acknowledged the outdated address issue but said there were no available settlement options, only full repayment plans. This was incredibly discouraging after weeks of silence and clear documentation of my financial distress. 

Soon after, I received a charge-off warning email stating my account would be written off within 60 days. 

XXXX tracking confirmed both letters were delivered ( XX/XX/XXXX and XX/XX/year> ). Ive attached full proof of delivery and correspondence. 

This situation has placed immense emotional and financial stress on me, and Ive made every effort to resolve it in good faith. I am asking for this account to be removed or adjusted as a goodwill measure based on XXXXXXXX XXXX poor communication and documented hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Collection From : XXXX XXXX XXXX I am filing this complaint regarding an unresolved issue with a former apartment complex where I resided from round XX/XX/year>. Recently, I was contacted about an alleged outstanding balance owed to this apartment company. I immediately requested written documentation or proof of the debt in order to validate the claim before taking any further action. 

However, I was informed by representatives of the apartment company that they were unable to provide any records or documentation regarding my lease, payments, or account balance because the property management team had changed since I moved out, and they no longer had access to my information. 

This situation is highly concerning and problematic for the following reasons : Lack of Documentation : I am unable to verify the accuracy or validity of the alleged debt, which puts me in an unfair position. Without proper documentation, I can not determine whether the amount claimed is correct, whether any charges were added in error, or if this debt is even legitimate. 
Consumer Rights : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt that is being claimed. It is unacceptable that the apartment company and/or any collection agency can not provide proper verification. 
Potential Impact to Credit : If this unverifiable debt is reported to credit agencies or sold to a collection agency without appropriate validation, it could unjustly harm my credit rating and financial standing. 
Negligence of Record Keeping : It is concerning that the apartment company did not maintain or properly transition important tenant records when management changed. Regardless of staffing changes, consumer records and financial documentation should be retained and made available to former tenants upon request, particularly when disputes arise. 
I respectfully request that the CFPB review this matter and take appropriate action to ensure that : The apartment company and/or any third-party collectors cease all collection activities until proper validation of the debt can be provided. 
The company be held accountable for failure to maintain essential records that impact consumers. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I applied for a business account through XXXX commercial website. I deliberately excluded my personal social security number and only included my personal information as the business owner/authorized officer. On XX/XX/XXXX, after a routine check of my credit report, I saw a hard inquiry was initiated by XXXX bank that I did not authorize. 

XX/XX/XXXX - spoke to rep at XXXX who confirmed my business application was submitted with XXXX ending in XXXX ( not my SSN ) and she directed me to XXXX XXXX  as the creditor XX/XX/XXXX - XXXX rep transferred me to XXXX XXXX  who confirmed the same EIN on app but could not send me a copy and advised to dispute with credit reporting agency I submitted a dispute with Equifax the same day and received a response XX/XX/XXXX that the fraudulent inquiry was valid. 

Equifax allowed a credit to access my personal profile with my authorization. I did not approve or provide my individual social security number to XXXX for this application. This must be removed as it is a violation and Equifax is liable for releasing my information without my consent. 

XXXX application reference # is XXXX. I requested written verification and a copy of the application, however, both representatives confirm with the last 4 digits that my SSN is not on the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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 filing a complaint against TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c-2 regarding identity theft-related blocks.

I submitted an Identity Theft Report, including my FTC Identity Theft Affidavit, government-issued photo ID, my social security card and a utility bill, via the TransUnion online dispute portal, and also mailed in the required documents to their dispute department. 

Despite complying with all documentation and procedures outlined under the FCRA, TransUnion has refused to process my ID Theft Block request. When I followed up, they stated I have to mail in the documents, even though : I already mailed them in. 
I also uploaded them to their portal. 
The FCRA does not require redundant submission if documents have already been provided. 

This is a clear violation of my consumer rights under federal law. TransUnion is obstructing the identity theft blocking process, delaying the removal of fraudulent accounts from my credit report, and causing continued harm to my credit profile. 

I am requesting that the CFPB investigate TransUnion for non-compliance, compel them to fulfill their legal obligations, and ensure the fraudulent information is promptly blocked and removed from my credit file. 

Attached are my proof of submission and any relevant screenshots or confirmation numbers from the TransUnion portal. 

Thank you for your attention to this matter.

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 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase bank online account access : Attempts to log in to online account require user name, then password, then you are required to dial a phone number XXXX. Then you have to put your address, bank card number, social security number, voice recognition all to access your account. This is excessive. There was no notice of this change, and when I called bank representatives they were unaware of the changes. 

The fact that your social security number in full is required to access your account is a identity theft risk. Of course if your identity is compromised, Chase will take no responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Did a online survey they paid me a check. Tried to use capital one app to deposit actual physical check into digital. App goes to the end and glitches. Spoke to capital one and was told I was current and it should not be happening so they would call. I received a letter saying there is a issue who knows when it'll be fixed they'll call. Here we are no call no letter, tried to cash check yesterday on tablet and phone, same reaction. I'm late on a bill now. Both times I used tablet and phone and capital one said I was current and up to date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I am tired of sending portal messages that are either ignored or replied to with a cut and paste " Your loans are your responsibility to pay ''. 

I want this company to apply my payments correctly across all of my loans. I pay them the same amount every month, which is the total amount due for all loans. They continue to struggle to apply my payments either correctly, or at all. From what I can tell from their website, I believe they may have not applied XXXX 's check ( XXXX ) which has been cashed according to my bank. 

XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-06-21 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: VA

Complaint narrative:
Remove delete all of these accounts also stated on the official identity theft.gov form on their website attached to this complaint. 

XXXX. XXXX XXXX XXXX. XXXX main XXXX. XXXX XXXX XXXX XXXX. REMOVE all address except for XXXX mcleans barn terrace XXXX va XXXX. All other addresses are not previous addresses nor my account. 

I will be collecting information for lawsuit. The original contract bearing my real signature needs to be sent for the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I went to XXXX of XXXX, I asked for in-house financing ONLY as I had good standing credit with XXXX. However, they sent out a mass inquiry pull to secure a loan even after I had a qualified co-signer. For the next XXXX days I was receiving mass alerts from Experian of the inquiries and I was no longer at the dealership. I tried reaching out to those banks to let them know that I did not authorize it. Its been about XXXX months since, and I have not received any replys or cooperation regarding this matter.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went to XXXX of XXXX, I asked for in-house financing ONLY as I had good standing credit with XXXX. However, they sent out a mass inquiry pull to secure a loan even after I had a qualified co-signer. For the next XXXX days I was receiving mass alerts from XXXX of the inquiries and I was no longer at the dealership. I tried reaching out to those banks to let them know that I did not authorize it. Its been about XXXX months since, and I have not received any replys or cooperation regarding this matter.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I went to XXXX of XXXX, I asked for in-house financing ONLY as I had good standing credit with XXXX However, they sent out a mass inquiry pull to secure a loan even after I had a qualified co-signer. For the next XXXX days I was receiving mass alerts from XXXX of the inquiries and I was no longer at the dealership. I tried reaching out to those banks to let them know that I did not authorize it. Its been about XXXX months since, and I have not received any replys or cooperation regarding this matter.

Company response to consumer: Closed with explanation