vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
XXXX XXXX account XXXX XXXXXXXX The delinquent payment showing on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was a result of my job loss due to XXXX. The XXXX XXXX, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX. This act amended the Fair Credit Reporting Act ( FCRA ) adverse credit to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.

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 2025-07-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
This complaint is in regard to a 3rd party debt collector/ loan servicer aidvantage whom is/ has been using deceptive business practices to collect on a debt that I do not owe to them. The whole time I have been receiving emails with regard to this debt, I do not even know the alleged account number for this debt, I have never even received any correspondences in email except one, even after they were told several times to cease and desist contacting me by email and to mail all correspondences to my residence. The emails consist of deceptive tactics telling me to log in to my account and to set up auto pay and not even giving me a chance if the debt was mine to see a alleged bill in the mail and decide what payment method should be used. I received one mail correspondence with regard to this debt where an alleged XXXX was sent with other information in the packet. In this packet aidvantage falsified documents by stating that they by there own paperwork disbursed ( meaning sent money ) XXXX on XX/XX/year>, when I was not enrolled in any institution at this time. The chain of ownership that was sent to me is incorrect, and on top that the alleged XXXX that was sent to me is falsified, because I was not again enrolled in any institution at this time. Outside aidvantage also without my permission opened up a treasury XXXX account which constitutes identity theft and Fraud. Continuing aidvantage is also using an appellation of my name which constitutes a fictitious person or deceased person ( affidavit attached ). The bottom line is that aidvantage is/ has been sued before for deceptive practices before and now they are doing the same to me in an attempt to force me into a contract without having a contract and in a very deceptive manner and as of today are threatening to damage my consumer report and garnish my wages for a debt that they have not verified and can not correctly verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Tesla, Inc.
State: CA

Complaint narrative:
I am updating this COMPLAINT ID XXXX SUBMITTED ON XXXX/XXXX/2025 To report that Tesla repossessed my vehicle today XX/XX/XXXX despite an active dispute on file and ongoing communication. I had submitted a good-faith payment of {$1400.00} on XX/XX/scrub> 2025, and raised multiple issues with their accounting and billing practices, including a late fee dated over 45 days in the future. 

Tesla failed to respond adequately to my written dispute, and their collection department ignored my formal request to pause all repossession activity. I believe this repossession was premature, unlawful, and taken in bad faith while this matter was still under CFPB review. 

I am requesting CFPB enforcement to : Investigate Teslas repossession practices, Enforce proper consumer protections under FDCPA, TILA, and California law, And hold Tesla accountable for repossessing a vehicle while a formal complaint was pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Subject : Request for Assistance Capital One Not Honoring Activated Offers or Creating Support Case Dear CFPB, I am writing to respectfully request your assistance regarding an issue with Capital One. Despite meeting all the terms of three activated Capital One Offers, I have not received the promised rewards despite 90 days since transactions, and Capital One has declined to open a case to investigate. 

Summary of Offers and Eligible Transactions 1. XXXX XXXX XXXX Miles Offer Offer ID : XXXX XXXX : XXXX XXXX XXXX Reservation # : XXXX Stay Dates : XX/XX/XXXX XX/XX/year> Total Paid : {$4000.00} using XXXX Estimated Pre-Tax Spend : ~ {$3600.00} Expected Miles : XXXX XXXX. XXXX XXXX Miles Offer Offer ID : XXXX Rental Dates : XX/XX/XXXX XX/XX/year> Location : XXXX XXXX XXXX Total Paid : {$3000.00} Eligible Pre-Tax Spend : ~ {$2900.00} Expected Miles : XXXX XXXX. XXXX XXXX XXXX Miles Offer Offer ID : XXXX Hotel : XXXX XXXX XXXX XXXX Reservation # : XXXX Stay Dates : XX/XX/XXXX XX/XX/year> Total Paid : {$730.00} Estimated Pre-Tax Spend : ~ {$650.00} Expected Miles : XXXX Issue Description : All three offers were activated through " CapitalOneOffers '', and the purchases were made through the required links and I followed all the terms and conditions. Capital Ones terms state that rewards should post within 45 days after eligible transactions and to report if it still has not posted after 90 days. That deadline has passed for all three. 

On XX/XX/year>, I contacted Capital One customer service " Capital one offers Exclusive Product Servicing Department ''. Despite providing full documentation, I was told that no case would be opened and no further action would be taken. 

Attachments Provided : 1. Screenshots of all activated offers 2. Hotel and XXXX reservation confirmations and receipts Thank you very much for your time and support. Im happy to provide any further details if needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XX/XX/year> Dear XXXX XXXX I noticed you are attempting to collect the listed alleged debt. I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of ALL STATEMENTS OPEN & CLOSE OF THIS ACCOUNT, A COPY OF YOUR BOND TO SHOW THAT YOU ARE LEGALLY REGISTERED IN MY STATE & the ORIGINAL PURCHASE AGREEMENT.

Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$3300.00} I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, Equifax, Transunion and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. 


Sincerely, 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 2025-07-20 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: NY

Complaint narrative:
XXXX XXXX XX/XX/year> Dear XXXX XXXX I noticed you are attempting to collect the listed alleged debt. I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of ALL STATEMENTS OPEN & CLOSE OF THIS ACCOUNT, A COPY OF YOUR BOND TO SHOW THAT YOU ARE LEGALLY REGISTERED IN MY STATE & the ORIGINAL PURCHASE AGREEMENT.

Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$3300.00} I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, Equifax, Transunion and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: LEXISNEXIS
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 
PHONE NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I am writing to formally dispute an unknown collection account that appears on my credit report. The account in question is listed under the name XXXX XXXX  XXXX. I have no knowledge of this debt, and I do not believe it belongs to me. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you please remove this off my credit report. Please consider this a formal dispute. If this account is not validated within the required time frame, it must be deleted from my credit file, as required by law. If verification can not be provided, remove the account from my credit report immediately. Thank you for your prompt attention to this matter. I look forward to your response and resolution within XXXX  XXXX, as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: PA

Complaint narrative:
XXXX inaccurately reports that my account has had {$460.00} written off when I had paid that amount in full and it was not written off. They had also promised me upon receiving payment that account will be removed from credit report yet they never did and it has been 2 years. 

This company has also been sued and sold to a different company in recent years due to shady money practices. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-moneylion-for-overcharging-servicemembers-trapping-consumers-in-costly-memberships/

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 2025-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: OR

Complaint narrative:
Here 's the deal, Since XXXX I've been XXXX with XXXX XXXX. During the discovery of my illness, XXXX sent the loan to foreclosure. 


I was referred to attorney XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I paid him all of my savings {$5000.00} to renegotiate. This was under making homes affordable. 


He got the loan restructured but : he refused to get the mortgage insurance dropped & he stuck me with an obscene $ XXXX balloon payment! He knew full well I couldn't pay it and then he threatened to quit. So I was forced to sign ... under great distress. 


Mortgage Insurance is only supposed to continue until there's XXXX XXXX in equity, not for the XXXX XXXX now! I've never had enough cash from XXXX  to pay for a home appraisal. I've been trapped since XXXX! 


I disputed this with the last lender XXXX. They refused to discuss it. Later they started to send me multiple statements per month, none accurate. No matter how I tried, they refused to listen. To this day, I've no idea who the mortgage insurance is... 


Plus they claimed I didn't have homeowner insurance. Which I did with XXXX! They were sent copies of the policy and they paid for it from escrow! But then they charged me XXXX ' the sums in a second policy. 


Now recently, XXXX sent the loan to foreclosure. I started get emails & USPS from aggressive XXXX XXXX XXXX. I didn't contact them, had no concept of who they are... she demanded a fee with an application. I mailed in the forms with a post dated check. I only get paid XXXX  a XXXX, the previous month I spent money driving to XXXX to see a XXXX. She tried to cash the check early and of course it bounced! She's predicting that I didn't apply and thus, failed to comply. Now she's got my home on the auction list!!! 


XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX Direct Line : XXXX XXXX | XXXX But she refused to listen to reason- I legally changed my name. She continued to send legal documents under my old name. I can't reply under the old name as that's fraud. Yes, I even sent her a copy of my name change, still she refused to update. Now she's XXXX XXXX  and is using her power & position to accelerate the house to auction! 


Just yesterday I had a woman trespassing on the premises, XXXX, trying to buy the house!! This greatly alarmed & upset me. I filed a complaint with the XXXX. Still other people are sending mail. 


I CAN NOT HANDLE THIS STRESS! I've been XXXX  for the past XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX during the day. I'm seriously considering XXXX  as I just can't take any more abuses! 


Justice on all of this house mess must be achieved. I've lived here for XXXX XXXX and I don't plan to leave. 


ALL THIS MESS HAS TO GET UNRAVELED. I DESERVE JUSTICE & TO KEEP MY LONGTIME HOME. 


Please help. 

I don't have a phone. 

Can do zoom or email. 


Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
After reviewing my consumer report, I have realized that my rights as a consumer has been violated on various accounts. My consumer report has been furnished illegally violating multiple U.S. Consumer Protection Law Codes. I have multiple accounts under different names and addresses that I am not familiar with. I am requesting that all illegally furnished, inaccurate, and unverifiable information that is reporting are removed from my consumer report immediately. I have submitted this request directly to the consumer reporting agencies on multiple occasions and they are continuing to overshadow my rights as a consumer and U.S consumer Protection Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
More than 90 day ago told in writing This going to be reviewed, and we will let you know the outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Today I tried to open a credit card and none would approve me so I go to experian and it says I have a capital one account opened in XXXX of this year. Address is in XXXX XXXX XXXX I live in XXXX so its complete fraud I dont know who it is

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
Subject : Credit Report Dispute XXXX XXXX XXXX XXXX XXXX Collection Dear Experian, I am writing to formally dispute inaccurate information that appears on my credit report. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number ( partial ) : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection account. {$680.00} past due as of XX/XX/XXXX Balance : {$680.00} ( as of XX/XX/XXXX ) Monthly Payment : {$0.00} Original Balance : {$680.00} Terms : XXXX XXXX Responsibility : Individual My Experience and Dispute : I became aware of this account while reviewing my credit report. This debt was never verified with me prior to being reported, and I do not recall ever receiving proper notice or validation of this alleged balance from either XXXX XXXX XXXX or XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any item I believe is inaccurate, incomplete, or unverifiable. 

I hereby request the following : XXXX. Full validation of this debt from XXXX XXXX XXXX, including a breakdown of the charges, original contract or agreement, and proof that I am legally responsible for the alleged amount. 
XXXX. Immediate removal of this collection account from my credit report if the debt can not be properly validated or is found to be inaccurate or outdated. 
XXXX. Note that under 15 U.S.C. 1666, consumers have the right to dispute billing errors, including reporting inaccuracies related to collections or payments. I assert my right under this law to dispute the accounts legitimacy. 

Additionally, I ask that this collection not be reported or be removed as a courtesy, especially if no direct communication was made with me prior to reporting. 

Please investigate this matter and send me written confirmation of your findings. I respectfully request that this matter be handled promptly and fairly. 

Thank you for your time and attention.

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 2025-07-20 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: NY

Complaint narrative:
To Whom It May Concern, This is a formal and final notice demanding the immediate and permanent deletion of the following collection accounts from my TransUnion credit file : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX All XXXX accounts have been removed from both XXXX  and XXXX. 
These accounts have been repeatedly disputed. I specifically requested proper validation of these debts under the Fair Credit Reporting Act ( FCRA ) XXXX and Fair Debt Collection Practices Act ( FDCPA ) 809. Despite these requests, no documentation has ever been provided to establish : The original signed contracts, Full itemized account histories, Chain of title showing legal right to collect or report, Proof that these debts are not time-barred under XXXX XXXX XXXX statute of limitations. 

The continued reporting of these unverified, possibly time-barred accounts violates : FCRA 611 ( a ) Failure to verify the accuracy of disputed information FDCPA 809 ( b ) Failure to provide validation of debt FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate or incomplete information XXXX  XXXX XXXX Deceptive practices against XXXX XXXX consumers FCRA 611 ( a ) ( 5 ) Reinsertion without certification and consumer Permanent deletion of the above accounts from my TransUnion credit file No reinsertion without full re-investigation, proper validation, and written notice as required by FCRA 611 ( a ) ( 5 ) If these accounts are not removed within XXXX XXXX. 

I expect written confirmation of deletion as proof of compliance.

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 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I was XXXX  at XXXX XXXX XXXX XXXX XXXX  since XXXX till XX/XX/XXXX an account was opened for first premier account number # XXXX XXXX XXXX address id # XXXX I did not have any knowledge of this account being open. This was open without my consent.i was XXXX  The next was I c system acct. # XXXX date open XX/XX/XXXX. I was XXXX  still. Someone committed identity theft on both accounts. Please help me resolve.

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 2025-07-20 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: WI

Complaint narrative:
Credit inquiries that i did not authorized XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax update XX/XX/XXXX Equifax XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX Equifax XX/XX/XXXX Equifax XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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