vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My account was reported inaccurately by Capital One XX/XX/XXXX my account was reported after I made a payment on the XXXX, granted I did pay late but I still paid and they reported me after the fact. XX/XX/XXXX my account was reported again delinquent account twice which can stay on my credit report for XXXX years. My credit card payments usually arent due until the XXXX of every month. As I stated I did miss the payment because I didnt get paid until afterwards. I had just started my new job and I wasnt able to pay my credit card, at the time I was unemployed from XX/XX/year> up until XX/XX/XXXX, I did file a dispute with Capital One and they disregarded everything I was saying and couldnt give me a clear reasoning as to why. In the evidence I took, you can see that I made payments on XX/XX/XXXX and XX/XX/XXXX. XXXX payment was late but XXXX wasnt. They still reported me after I put money into the account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander bank XXXX loan opened on XX/XX/XXXX and closed on XX/XX/XXXX. 

Reporting inaccurate amounts. 
Highest balance XXXX. Reported balance XXXX. 
Inaccurate payment history. 
Account status is closed and company wrote off balance Profit for loss write off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
XXXX XXXX had been reporting my account as open and it was in fact closed for over 2 years. I disputed this with TransUnion and they verified the info was incorrect however XXXX then updated the close date to XX/XX/year> which is still incorrect. FCRA 15 U.S.C 1681, consumer reporting agencies are required to report only accurate and verifiable information

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 2025-04-07 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
We were promised 1 thing and then given another, as you can see with document provided they offered XXXX points after spending {$1000.00} in first 90 days and then they instead decide to give us a credit and only XXXX points at there own discretion. That's not what we signed up for and if you look at dates as to when we signed up and when this offer was offered they coincide however Chase is trying to go back and or be deceitful and just do what they please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
This account was charged off on the following date : XX/XX/year> Since then this account has repeatedly been updated as charged off every month. A charge off account should NOT include an active payment history. This is inaccurate information of falsely manipulates the statute of limitations. The credit bureaus failed to investigate this account properly and they neglect has violated my rights. I am demanding a deletion for XXXX XXXX XXXX XXXX ACCT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: WA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
XX/XX/scrub>/25 : I made XXXX {$10.00} transactions adding money to my CashApp account from my checking acct at XXXX XXXX. That money came out of my account with XXXX, received into my CashApp account and transferred out in the amount of {$39.00} + a {$0.00} fee Five days later on XXXX/XXXX/25 at XXXX CashApp debited my account XXXX in the amount of $ XXXXea, putting my account at a deficit. They're claiming I made a dispute with my bank ( XXXX ) in which they were required to 'return the funds of {$40.00} '' -There was no dispute made by me or XXXX requesting these charges be made by CashApp -IF there had been a dispute, there was no credit of {$40.00} made to my account to justify the debit they made in the first place They're unwilling to listen or cooperate with me or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: Maximus Federal Services, Inc.
State: NM

Complaint narrative:
XX/XX/XXXX I inquired about loan payments in the event of a divorce. I never asked for any changed terms since nothing was finalized and did not take place. I made regular payments in XXXX and XX/XX/XXXX and over payments in XX/XX/XXXX and XX/XX/XXXX. The loan statements said next payments were not due for a year so I assumed the due date was pushed out. In XXXX, I received loan statements with principal balances that did not match and a higher loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-04-07 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: AK

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am filing this complaint against Hunter Warfield Inc., who is reporting a collection account in the amount of {$11000.00} to all three credit bureaus. The account is allegedly tied to a former lease at XXXX XXXX XXXX. 

On XX/XX/year>, I sent a certified debt validation request to Hunter Warfield, asking for : 1. A copy of the original signed lease agreement 2. An itemized breakdown of the charges 3. Proof that Hunter Warfield is legally authorized to collect this debt 4. Evidence of assignment from the original creditor ( XXXX XXXX  ) Hunter Warfield has failed to respond to my request, and continues to report the debt as valid and in collection in violation of the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act ( FCRA 611 ). 

I have also disputed this account directly with the credit bureaus, and no documentation has been provided to validate or support this debt. The company is reporting an unverified and potentially inaccurate collection item, causing ongoing credit damage and obstructing my ability to obtain housing. 

I am requesting the CFPB investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
Type of Issue : Loan balance dispute Loan Servicer : MOHELA I am formally disputing a student loan balance that MOHELA claims I owe, even though the debt was fully paid in XXXX  when my loans were still serviced by XXXX. I provided MOHELA with bank documentation and a letter formally requesting an investigation, validation, and correction of their records. Instead, they sent a generic response that did not address my documentation or fully resolve the issue. 

This error is affecting my credit and financial standing, and I believe I may be part of the group of borrowers impacted by ongoing issues and class action litigation related to MOHELAs handling of loan transfers and misreporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
XXXX2024- I paid a debt to XXXX XXXX the amount of XXXX by debit through my XXXX XXXX XXXX XXXX 
XXXX-2024- I received my XXXX balance letter from Creditor. 
1-2 weeks later-Received several unnecessary, unwarranted, harassing phone calls that were very unprofessional saying " You need to pay this debt '' very argumentative combative man yelling at me about a debt I paid.

I asked to speak to the person who had been handling my account. I was told she no longer works there. So she is gone and apparently my payment went with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AND XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-04-07 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: SC

Complaint narrative:
I am filing a complaint against Equifax, Experian and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Experian and Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, Experian and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Experian and Transunion complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-07 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: SC

Complaint narrative:
I am filing a complaint against Equifax, Experian and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Experian and Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, Experian and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Experian and Transunion complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
This account was charged off on the following date : XX/XX/year> Since then this account has repeatedly been updated as charged off every month. A charge off account should NOT include an active payment history. This is inaccurate information of falsely manipulates the statute of limitations. The credit bureaus failed to investigate this account properly and they neglect has violated my rights. I am demanding a deletion for XXXX XXXX XXXX XXXX ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
This account was charged off on the following date : XX/XX/year> Since then this account has repeatedly been updated as charged off every month. A charge off account should NOT include an active payment history. This is inaccurate information of falsely manipulates the statute of limitations. The credit bureaus failed to investigate this account properly and they neglect has violated my rights. I am demanding a deletion for XXXX XXXX XXXX XXXX ACCT # 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 2025-04-07 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX XXXX, Social Security Number : XXXX. Consumer Date of Birth:12/06/1979. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 opened at : XXXX XXXX  under the account number ending in XXXX in the amount {$9400.00}, XXXX XXXX XXXX XXXX personal credit card account number XXXX in the amount {$5700.00}, Apple Card personal account number XXXX in the amount {$3700.00}. I called XXXX XXXX XXXX  ago and spoke to a representative by the name of XXXX. He told me a I do not have in any dispute letters but there are a few disputes. He stated my student loan balance is reflecting a XXXX balance. I need the student loans to be at a {$0.00} and deleted from my report. After doing so I would like to have a report in writting. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICC 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 # XXXX 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 response to consumer: Closed with explanation