vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: MO

Complaint narrative:
You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I want to remove some queries that I have in my credit report which I did not make. I have queries from XXXX XXXX, XXXXXXXX XXXX and some from XXXX XXXXXXXX that I didn't do and I want watches. I have contacted the agencies and banks and they do not want to delete my queries. The consultations are fraud since I do not authorize them to be carried out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
Complaint Summary This complaint is against Klima, Peters & Daly ( KPD ) for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and related credit reporting laws. In two separate lawsuits against me one for XXXX XXXX XXXX  and XXXX for XXXX XXXX XXXX KPD caused service to be made to incorrect addresses where I did not reside. This resulted in judgments being entered without my knowledge or opportunity to defend myself. 

Details of Misconduct 1. Improper Service Two Separate Cases - Case 1 ( XXXX  XXXX ) XXXX XXXX District Court, Case No. XXXX. Service was posted to XXXX XXXX XXXX XXXX, XXXX XXXX, VA despite my actual residence being elsewhere. 

- Case 2 ( XXXX XXXX XXXX ) XXXX XXXX District Court, Case No. XXXX. Service was posted to XXXX XXXX XXXX, XXXX, VA, again not my residence. 

2. Pattern of Conduct - Both cases involved KPD as the attorney of record. 
- In each instance, the address used was incorrect, causing judgments to be entered without my participation. 
- In the XXXX XXXX case, KPD later admitted in writing that the lawsuit was served to the wrong address. 

3. Credit Reporting Harm - The debts from these cases were/are reported on my credit report, causing denials of credit. 
- These inaccurate judgments and collection accounts remain a source of ongoing harm. 

4. Failure to Correct & Continued Collection - Even after vacating the judgment in the XXXX  XXXX  case, KPD continued attempting to collect.

- KPD has not taken steps to ensure proper address verification procedures to prevent recurrence.

Outcome Sought - Investigation into KPDs repeated use of incorrect addresses in service of process.

- Requirement that KPD cease collection on all affected accounts. 

- Correction or deletion of all related credit reporting.

- Assurance that future service attempts meet legal requirements.

Supporting Documents ( attached ) 1. Warrants in Debt from both cases showing incorrect service addresses.

2. Affidavits of Service from both cases. 

3. Court orders/vacatur related to improper service.

4. KPDs written admission in CFPB response acknowledging wrong address in XXXX  XXXX  case.

5XXXX Credit report excerpts showing related tradelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Spring Oaks Capital , LLC * * XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX  Re : Cease & Desist and Demand for Compensation Due to Unlawful Debt Collection Attempts for Account Not Belonging to Me * * To Whom It May Concern : This letter serves as formal * * notice and demand * * regarding unlawful and harassing debt collection attempts directed at me concerning an account associated with XXXX XXXX XXXX XXXX XXXX XXXX, which I do not owe and with which I have no connection. 

Between \ [ insert date range ], your company * * contacted me twelve ( 12 ) times via text message * *, attempting to collect on a debt that is not mine. Despite no evidence of my responsibility for this debt, your continued contact amounts to * * willful harassment * * and a violation of multiple consumer protection laws.

Your actions constitute violations of the following federal statutes : * * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. * * Prohibits debt collectors from contacting individuals regarding debts they do not owe and from engaging in repeated or harassing contact.

* * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * * If this account was or is reported under my name or Social Security number in error, it may also constitute a reporting violation under the FCRA.

# # # DEMAND FOR COMPENSATION I hereby demand that * * Spring Oaks Capital remit \ {$1500.00} for each of the twelve ( 12 ) harassing and unauthorized text message contacts * *, totaling * * \ {$18000.00} * *, pursuant to FDCPA and applicable federal and state laws. This amount reflects the statutory penalties and damages I am entitled to under the law for willful noncompliance and repeated harassment.

Failure to resolve this matter within * * 15 calendar days * * of receipt of this letter will leave me with no choice but to pursue * * legal action * *, which may include filing formal complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, the * * Virginia Attorney General * *, and civil action through small claims or state court for damages, court costs, and attorneys fees as permitted by law.

# # # CEASE AND DESIST Additionally, I demand that you * * cease and desist from any further contact * * with me regarding this or any other debt, as your communications are unauthorized and unlawful.

You may contact me in writing only to confirm receipt of this demand and confirm payment and/or resolution. No other form of contact is authorized. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Aidvantage Refusing to Update Forgiven Loans, Forcing Payments, and Reporting Inaccurately Summary of the Issue : I was approved for federal student loan forgiveness under the U.S. Department of Educations One-Time Debt Relief Program , as confirmed in the attached DOE letter from Secretary XXXX XXXX XXXX Despite this, Aidvantage continues to report my loans as OPEN with a balance to XXXX XXXX XXXX XXXX XXXX XXXX report them as CLOSED ), and is demanding payments with interest starting XX/XX/year>. 

Details : 1. DOE Forgiveness Approval : I have written confirmation from the U.S. Department of Education that my loans are eligible for forgiveness under the XXXX XXXX XXXX XXXX borrower defense settlement.

2. Cross-Bureau Reporting Conflict : Equifax : Loans show CLOSED.

TransUnion : Loans show CLOSED. XXXX : Loans show OPEN with a balance, reported by Aidvantage.

3. Improper Billing : Aidvantage is demanding I resume payments and stating interest will begin accruing in XX/XX/year>, despite DOE confirmation that the loans are eligible for discharge and should not be in repayment. 
4. FCRA & FDCPA Violations : Aidvantage is reporting inaccurate and misleading information to XXXX and is attempting to collect on a debt that is federally recognized as forgiven. This violates 15 U.S.C. 1681e ( b ) ( accurate reporting ) and 1692e ( false representation of debt status ).

5. Harm : This is damaging my credit score, affecting lending decisions, and creating stress over improper payment demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MO

Complaint narrative:
You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
fraudulent transaction involving a check in the amount of {$5000.00} that was processed through my account without my authorization. I did not issue or approve this check, and I consider this to be an act of identity theft and bank fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Mr. Cooper/Nation Star sent a payoff quote to the title company ( XXXX XXXX XXXX ) for my home that I was selling. XXXX XXXX XXXX paid Mr. Cooper/Nation Star based on the payoff quote provided to them and the account was paid promptly on XX/XX/year> at closing. Then after the home was closed, funded and transferred to the new owners and the money was sent to Mr. Cooper/Nation Star, apparently they found an error in their payoff information. Mr. Cooper/Nation Star held the money sent to them from the title company and did not record any payment being made until XX/XX/year>. I was not at fault and the Title company sent the payoff they were given. What they are doing is illegal and it has drastically reduced my credit score. I should not be penalized for an error on Mr. Cooper/Nation Star 's part because they didn't provide correct payoff information in a timely manor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
This debt does not belong to me and may be the result of an error or identity theft. In accordance with the Fair Debt Collection Practices Act ( FDCPA  ), I am requesting that you : Cease all collection activities until you provide complete validation of this debt. 

Provide all supporting documentation, including any signed contract or agreement bearing my signature that proves I am legally responsible for this loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Northwestern Mediation Services
State: OK

Complaint narrative:
I owe money to a loan company. XXXX XXXX XXXX. Haven't made a payment yet. My account was moved to a 3rd part collection department. I have notice calls from New York but have ignored them. Thought it was scam calls. On Wednesday XX/XX/year>, northwestern mediation contacted my job and told them it was important. I called the number. XXXX XXXX of the company answered the phone. I gave my name and he said that I have to pay the whole amount to the company that day or they will contact my state and pursue going to court. This was scary. He gave me until at least Friday. 2 days to pay over XXXX dollars. I did pay XXXX due to panic and stress. Come to found out other people have gotten this same call from the guy and threatened to take them to court. I called XXXX XXXX XXXX  and told them about the 3rd party collections they put my account too. They understood and close the account with Northwestern Mediation. I have also called my Bank to dispute the transaction but they are still investigating. I am hoping for compensation for this scary situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
XXXXSOUTHWEST CREDIT SYSTEMS,XXXX XXXX XXXX XXXX XXXX is trying to collect a debt for XXXX XXXX and also has it placed in collections on my credit report. This debt is not mine and I have never had services with XXXX XXXX. I want this collection removed immediately from my credit reports. SOUTHWEST CREDIT SYSTEMSXXXX XXXX XXXX XXXX XXXX  is reporting it as opened on XXXX in the amount of XXXX  dollars. Also it was last reported on my credit reports on XXXX. I was this removed immediately because this debt is not mine. If it isn't removed immediately I am going to pursue legal action against SOUTHWEST CREDIT SYSTEMS,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX Partial Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Issue : Account is currently being reported as Closed/ {$9600.00} Written off, despite being included and discharged in bankruptcy. The date of first delinquency has been re-aged.

I have repeatedly written Experian and submitted proof that they are reporting this account incorrectly. They have either sent an email stating that is not me mailing in the documents or they have stopped the reinvestigation saying that I canceled the dispute ( which in false ). 
What they did do is re-age this account by pushing back the date of first delinquency. It was due to be deleted XX/XX/XXXX. Now the deletion date is XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Comprehensive FCRA Dispute Unauthorized Hard Inquiry Dated XX/XX/year> Dear Credit Reporting Agency, I am formally disputing the unauthorized hard inquiry listed on my credit report, dated XX/XX/year>. This inquiry was made without my knowledge or consent and is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Relevant FCRA Protections & Your Obligations FCRA 604 ( a ) Credit reports may only be furnished for a permissible purpose with consumer authorization. No such authorization exists for the XX/XX/year> inquiry. 
FCRA 605 Consumer reporting agencies must not report inaccurate or unverifiable information.

FCRA 607 ( a ) You are required to maintain reasonable procedures to ensure maximum possible accuracy of credit report information.

FCRA 609 ( a ) ( 1 ) & ( a ) ( 3 ) I have the right to request all information in my file and the identification of each person who procured my credit report, including their name, address, and permissible purpose.

FCRA 611 ( a ) You are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving notice of dispute.

FCRA 611 ( a ) ( 5 ) If information is found to be inaccurate or unverifiable, it must be promptly deleted from my file.

FCRA 611 ( a ) ( 7 ) Upon request, you must provide a description of the procedure used during reinvestigation.

FCRA 616 Willful noncompliance with the FCRA entitles me to actual damages, statutory damages, punitive damages, and attorneys fees.

FCRA 617 Negligent noncompliance entitles me to actual damages and attorneys fees.

FCRA 623 ( a ) ( 1 ) ( A ) A furnisher of information may not report information they know or have reasonable cause to believe is inaccurate.

FCRA 623 ( a ) ( 8 ) You must include my dispute in any future reports about this account or inquiry until resolved. 

Disputed Inquiry : Creditor Hard Inquiry Date : XX/XX/year> My Formal Demand : XXXX. Provide documented proof ( with my signature ) authorizing the XX/XX/year> inquiry. 
2. Remove the inquiry from my file if you can not produce such proof.

3. Provide the name, address, and permissible purpose of the party who obtained my credit file.

4. Provide a written summary of the reinvestigation process and results, as required by 611 ( a ) ( 7 ).

If you fail to meet these obligations, I will treat it as a willful violation under 616 and 617, and I will pursue all available remedies, including litigation and regulatory complaints to the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney General.

I expect your written response and an updated credit report within 30 days, as mandated by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am initiating monthly payments from my XXXX XXXX XXXXXXXX checking account to my Citi AAdvantage credit card. 
Due to an issue with Citi and the Federal ReserveXXXX XXXX XXXX  XXXX is forced to issue a paper check instead of sending the remittance via ACH/electronic credit. 
Even though I am sending my payments 2-3 days in advance of the payment due date, Citi continues to post my remittance after the due date and charging me interest. 
Citi has informed me that they can not continue to waive the interest charges as I've already requested them to be reversed over the past several months. 
This is not my issue -- I am initiing the payments in advance of the due date and Citi is not able to process them on time. 
I want Citi to reimburse me for the {$140.00} charged to me on XX/XX/XXXX. 
The last person I spoke to at Citi is XXXX, XXXX, on XX/XX/XXXX. 

Detail : XXXX XXXX XXXXXXXX Check XXXX for {$2900.00} was mailed to Citi Cards for receipt by XX/XX/XXXX. 
Citi posted the payment on XX/XX/XXXX, one day past the XX/XX/XXXX due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX a transaction was done with XXXX XXXX XXXX for a XXXX XXXX XXXX thru Bread Pay Financial in the of {$3200.00}. On XX/XX/XXXX received an email stating the shipment was on its way but no details was provided. After a week or two I cancelled the order with XXXX XXXX XXXX. I emailed XXXX XXXX XXXX and also texted them to cancel the order. I also notified Bread Pay Financial also on XX/XX/XXXX the order had been canceled and they specified that I must contact XXXX XXXX XXXX, which I did on several occasions. This continued on for the month of XXXX trying to resolve this Issue. On XX/XX/XXXX I received an email from XXXX XXXX  asking if I open a new account, this is when I became aware of Bread Pay Financial reporting this loan on my credit report. When I specifically told them numerous of times in the month of XXXX that the order was cancelled. On XX/XX/XXXX I received an email from XXXX XXXX XXXX stating that a refund was issued to them in the amount of {$3000.00} which they should have been refunded {$3200.00} not {$3000.00}. So now Bread Pay Financial is trying to hold me responsible for the remaining balance which in the amount of {$200.00}. XXXX XXXX XXXX is stating that Bread Pay Financial said and I State per email from XXXX  XXXX XXXX  ( There is cancel fee {$200.00} stated on website Bread pay said we have the right. ) There is nothing on Bread Pay website stating any such thing. So then XXXX XXXX XXXX is trying to specify that a restocking fee is the case. Well there's nothing on there website stating such a thing either. The only thing they specify about is there layaway plan which there was no layaway plan done by me. I've been going back and forth with bread pay about this situation and with XXXX XXXX XXXX also. This is not my responsibility. The order was cancelled in a sufficient amount of time. There are no documents of any kind from XXXX XXXX XXXX about any layaway because no layaway was done it was a straight transaction and then the transaction was cancelled. Bread pay is trying to make me pay the remaining balance which I will not do. The order number is XXXX  The motorcycle purchase was for {$3200.00} which the full amount should have been refunded back to bread pay financial. Nothing was never shipped nor any detail information concerning the shipment. No tracking number absolutely nothing. Thanks for your assistance I look forward to hearing from you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-10 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
For 3 consecutive months Indigo XXXX has falsely reported my credit and has had to fix their error. Im convinced they are doing this on purpose.

Company response to consumer: Closed with explanation