vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: KS

Complaint narrative:
XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - called the loan department who never recognizes my information XX/XX/XXXX is when all loans were brought to current. The previous balances were paid off XX/XX/XXXX all monthly payments for each loan in the total amount of XXXX was arranged on auto pay XX/XX/XXXX the only e-mail I received stating my request to remove the missed payments were denied In between XX/XX/XXXX and XX/XX/XXXX I made the payments, updated my contact information, and submitted the disputes On XX/XX/XXXX my dispute was resolved by the XXXX On XX/XX/XXXX it was removed without notice There is no current amount due for any of the loans The loans were grouped together XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - monthly payment is XXXX Group XXXX - monthly payment is XXXX Total autopay debit is XXXX All payments were made current and set up on auto pay between XXXX and XXXX in addition to the dispute being made. 

All account information shows there is no previous balance due, no current payment due, and the next debit is XX/XX/XXXX You can see this from the links labeled XXXX, XXXX, XXXX In addition, they never called to inform me the dispute status is not going to remain, for whatever reason. I was not contacted about a balance increase or asked to make any additional payments. They just changed it from resolved to disagree.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Equifax, Experian and Transunion are all reporting incorrect payment history. An account I've had with " XXXX '' since XXXX ( account # ending in XXXX ) has recently reported a late payment that was made in XXXX of XXXX I've disputed the issue and all they have done was randomly change my payment history by shifting the month of the late payment not correct the issue.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Equifax, Experian and Transunion are all reporting incorrect payment history. An account I've had with " XXXX '' since XXXX ( account # ending in XXXX ) has recently reported a late payment that was made in XXXX of XXXX I've disputed the issue and all they have done was randomly change my payment history by shifting the month of the late payment not correct the issue.

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 2025-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hello The status on my credit report, it says that I had a repossession. The information on my credit report is inaccurate. I need full investigation on accuracy. If not able to provide details and proof of accuracy, i want repo for kia completely removed 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 explanation
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: TX

Complaint narrative:
In XXXX, XXXX, I financed the purchase of a treadmill through XXXX for approximately XXXX. The treadmill was delivered on XX/XX/XXXX. Upon delivery, I immediately noticed that the treadmill was defective and/or not functioning properly. I contacted the merchant on XXXX to report the issue and requested either a refund or a cancellation of the purchase. 

Despite my efforts, the merchant did not resolve the issue. I then contacted XXXX on many times email, disputed the product and to dispute the charge and explain the situation. XXXX did not properly address the dispute, and instead, the account was later transferred to a collection agency, TrueAccord ( also listed as TrueCPB ), around XX/XX/XXXX. 

I have attempted to explain the situation to the collection agency, but collection activity has continued. I believe I should not be held responsible for this debt because the product was defective and my dispute was raised promptly after delivery. 

I am requesting that the debt be canceled and that all collection activity related to this account cease immediately.

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 2025-04-26 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ACCOUNTS- 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-04-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint because certain accounts on my Equifax consumer credit report have not been properly investigated despite multiple formal disputes I submitted over several months. I have not received sufficient documentation showing that a reasonable investigation was conducted as required under the Fair Credit Reporting Act ( FCRA ). 

I sent written disputes to the credit reporting agency ( or agencies ) on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Each dispute clearly identified the specific accounts being challenged, the reasons for the dispute, and included any supporting documentation needed to facilitate a proper reinvestigation. In my dispute letters, I specifically requested that the credit reporting agency provide : A full investigation of each account Verification of the accuracy of the accounts from the furnishers A description of the investigation conducted, along with the name and contact information of the furnisher they verified with, if applicable Despite these efforts, I have not received proper validation or results from any of the disputes. In most cases, I either received generic or automated responses or no meaningful response at all. No evidence or documentation demonstrating a thorough investigation was provided. Additionally, the disputed accounts continue to be reported inaccurately, negatively impacting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: MOHELA
State: GA

Complaint narrative:
Needs investigation of any violation of FERPA, USC 1083 ( a-f ), and Truth in Lendering Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had been a LOYAL customer with CAPITAL-ONE for several years over 7 perhaps longer. My card was stopped due to I wanted to pay a private contractor for some work I wanted done. I called capital-one and explain I was authorizing the payment, They immediately cancelled the card. I strongly believe they did so because of my age. My experience with CAPITAL-ONE will show I'VE ALWAYS paid on time, with a credit score over XXXX .. I strongly believe they cancelled me due to age.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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/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 2025-04-26 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: GA

Complaint narrative:
I am disputing the validity of my federal student loan due to a major breach of my personal, educational, and financial records. 
It has been publicly reported that XXXX XXXX was able to access sensitive educational data across the United States, including information protected under FERPA.

As a result, my private information which should have been safeguarded under the Family Educational Rights and Privacy Act ( FERPA ) was improperly accessed and exposed without my consent. 
The Department of Education, loan servicers, and associated entities had a legal obligation to protect my data and failed to do so. 
Due to this gross violation of federal law and the harm caused by the mishandling of my information, I am demanding full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am an active duty member of the United States military and rely on accurate credit reporting for career advancement and eligibility for security clearances. Upon reviewing my credit reports, I discovered that my XXXX  XXXX  account information is being reported inconsistently across credit bureaus.Specifically, TransUnion reports a XXXX  day late for XX/XX/year> and a XXXX  day late for XX/XX/year>, while Equifax reports a XXXX  day late for XX/XX/year>, a XXXX  day late for XX/XX/year>, and a XXXX  day late for XX/XX/year>. I submitted disputes requesting full verification of these reported late payments, including payment history documentation and explanation for the inconsistencies, but have not received any valid supporting information.These discrepancies demonstrate inaccurate and unverifiable reporting, which violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) for furnishing accurate information. The incorrect reporting is causing immediate harm to my military career and advancement opportunities. I have attached documentation showing the inconsistent reporting across TransUnion and Equifax, along with proof of my identification and Social Security number. I respectfully request full removal of the late payment notations from my credit reports, or full validation and documentation of the reported payment history, within 10 calendar days due to the urgent harm being caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: NC

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXXXXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: Chime Financial Inc
State: NC

Complaint narrative:
Hi, my name is XXXX. Im reaching out regarding the recent Chime and XXXX XXXX settlement. My account was not closed, but I experienced fraudulent transactions and issues accessing my funds during that time.I would like to know recover my funds under the settlement terms. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
A collection agency, Wakefield & Associates, is reporting that I owe {$1000.00} to them as a result of an unpaid bill from XXXX XXXX XXXX from 2018. It has been determined that the original debt was approximately {$450.00}. According to Florida statute HB 7089, the statute of limitations for medical debt collections is three years AND any medical debt less than {$500.00} ( original debt amount ) are required to be removed from the three credit reporting agencies. Statute HB 7089 clearly dictates that this collection should not be reported to the three credit reporting agencies based on the age of the medical debt and the original amount of the medical debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
What happened? 

I am submitting this complaint regarding XXXX XXXX XXXX XXXX for knowingly reporting false information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ). They have inaccurately reported two ( 2 ) instances of 30-day late payments on my mortgage account opened XX/XX/year>. This is incorrect I was never late on this account. 

Upon discovering this error, I promptly disputed the reporting and requested that XXXX furnish records to validate any alleged missed payments. To date, they have failed to provide legitimate documentation to justify their derogatory reporting. This constitutes not only a failure to investigate under 15 U.S.C. 1681i but also the continued furnishing of inaccurate information. 

The presence of these false late payments has caused measurable harm to my creditworthiness and subjected me to financial and reputational damage. 

If XXXX can not furnish verifiable proof of these alleged late payments, they are obligated under federal law to correct or delete the information immediately.

Company response to consumer: Closed with non-monetary relief