vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
In XX/XX/2025, I filed a Borrowers Defense to Repayment application through Federal Student Aid ( FAFSA ). Under Department of Education rules, my student loans should have been placed into administrative forbearance/deferment starting from that date.

Instead, my servicer failed to honor that protection. They did not place my account into deferment in XXXX. They treated the account as delinquent, placed it into collections, and reported negative information to the credit bureaus. They did not update my account to Borrowers Defense deferment until XX/XX/2XXXX 

This delay has seriously impacted my credit score, and that negative reporting has directly affected my ability to secure housing. Because of this error, combined with other unfair credit reporting issues from a different company. I am now facing difficulty finding housing when I urgently need it. 

When I contacted my servicer, they told me they had never received notice from FAFSA, despite the fact that I filed directly through the official system in XXXX. They failed to verify or correct the issue for months, and only updated my status belatedly in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NM

Complaint narrative:
Debt Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Mexico XXXX XXXX [ XXXX ] Date : Fraudulently opened- XX/XX/year> Via Certified Mail Return Receipt Requested CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Request for Debt Validation Account No : [ Insert Account Number if provided ] To Whom It May Concern, I am writing in response to your communication dated [ insert date of their letter/call ], regarding the alleged debt you claim I owe. This is not a refusal to pay, but a notice that I am disputing the validity of this debt and requesting proper verification in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized breakdown of fees, interest, and other charges.

3. A copy of any judgment ( if applicable ).

4. Verification and documentation showing that I am legally obligated to pay this debt.

5. Proof that your company is licensed to collect debts in my state.

Until you provide the requested validation, you must cease all collection activity, including reporting to credit bureaus, as this is my legal right.

Please note that any attempt to pursue collection of this debt without providing proper validation will be considered a violation of the FDCPA, and I will not hesitate to report such actions to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my states Attorney Generals office.

I request that all future communications regarding this matter be conducted in writing only.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I had made a promise to pay arrangement with XXXX XXXX XXXX in the amount of {$260.00}. I was paying cash at the store because of previous issues with them double charging my checking account with Truist. I took {$260.00} to the store on the XXXX as previously promised on my arrangement. The next day, the XXXX, I had a pending transaction of {$260.00} from XXXX XXXX XXXX on my checking account. I reached out to XXXX XXXX XXXX and the gentleman I was speaking with at the time told me he saw the charge, there was nothing he could to and to dispute it with my bank. From there, I contacted Truist, and filed a dispute. I provided an explanation to them ( like above ) and provided my receipt for the cash payment, made in store, and they saw the charge on my account. At this point Truist issued me the {$260.00} back in what was a provisional credit I believe its called. Truist did their investigation to which XXXX XXXX XXXX told them that I still owed {$120.00} so they reversed the credit and took the {$260.00} back as a force debit. I called them and they explained what XXXX XXXX XXXX stated about the {$120.00} payment. I also paid that previously, and sent that documentation to Truist for them to include in their investigation and the gentleman at Truist said he can appeal the decision with the new documentation and assured me all the proof is there, I shouldnt have any issues. Tuesday, XX/XX/XXXX, I received a call from Truist about my claim, and they said they are still denying it because they dont have dispute rights, and that I need to take it up with the merchant.

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 2025-09-02 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: IL

Complaint narrative:
Complaint Against : XXXX XXXX XXXX  XXXX Credit Bureaus ( Experian, Equifax, TransUnion ) I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and unverifiable reporting of a charged-off account by XXXXXXXX XXXX XXXX  XXXX which is being furnished to Experian, Equifax, and TransUnion. 

The account in question is a XXXXXXXX XXXX XXXX  credit card account ending in XXXX. XXXX XXXX XXXX, the assigned debt collector, failed to provide validation after I submitted a debt validation request via certified mail, delivered XX/XX/year>. Despite this, all three credit bureaus have continued to report this account as verified/updated. 

XXXX charged off and closed this account. Their own online portal confirms the account is closed with limited functionality. XXXX has not sent me any billing statements or direct communication since XX/XX/scrub>XXXX XXXX Despite this, the reported balance continues to increase monthly, without any statements or documentation to substantiate the changes. Reporting balance increases on a charged-off account with no billing records constitutes inaccurate and misleading reporting under FCRA 623 ( a ).

I have attached the following supporting documents : - Debt validation request letter ( sent XX/XX/year>, delivered XX/XX/year> ) - USPS certified mail receipt proving delivery - XX/XX/year>XXXX XXXX paperless statement notice ( generic form, no validation ) - Screenshot of XXXX portal showing account is closed - Copies of credit bureau dispute results ( verified/updated as charged off ) - Screenshot of my credit report showing balance increases after charge-off {$8100.00} ( last statement ) {$8600.00} ( now ) with no proof. 
- Government-issued ID and proof of address

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 2025-09-02 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: IL

Complaint narrative:
Complaint Against : XXXX XXXX XXXX  XXXX Credit Bureaus ( Experian, Equifax, TransUnion ) I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and unverifiable reporting of a charged-off account by XXXXXXXX XXXX XXXX  XXXX which is being furnished to Experian, Equifax, and TransUnion. 

The account in question is a XXXXXXXX XXXX XXXX  credit card account ending in XXXX. XXXX XXXX XXXX, the assigned debt collector, failed to provide validation after I submitted a debt validation request via certified mail, delivered XX/XX/year>. Despite this, all three credit bureaus have continued to report this account as verified/updated. 

XXXX charged off and closed this account. Their own online portal confirms the account is closed with limited functionality. XXXX has not sent me any billing statements or direct communication since XX/XX/scrub>XXXX XXXX Despite this, the reported balance continues to increase monthly, without any statements or documentation to substantiate the changes. Reporting balance increases on a charged-off account with no billing records constitutes inaccurate and misleading reporting under FCRA 623 ( a ).

I have attached the following supporting documents : - Debt validation request letter ( sent XX/XX/year>, delivered XX/XX/year> ) - USPS certified mail receipt proving delivery - XX/XX/year>XXXX XXXX paperless statement notice ( generic form, no validation ) - Screenshot of XXXX portal showing account is closed - Copies of credit bureau dispute results ( verified/updated as charged off ) - Screenshot of my credit report showing balance increases after charge-off {$8100.00} ( last statement ) {$8600.00} ( now ) with no proof. 
- Government-issued ID and proof of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A hard inquiry was opened on my account by Capital One on XX/XX/year> without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: MD

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted 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 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I never consented to its creation or use. The required documents are enclosed to support my claim.

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 2025-09-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
Jefferson Capitol system put me to collections for an ex-husbands account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Winklevoss Exchange LLC
State: MO

Complaint narrative:
I ordered a keyboard from a company. They delivered the wrong one. They refused to ship the correct item. I filed a dispute for goods and services not received. XXXX  never responded to the dispute claim within the XXXX day time frame. I then spoke again to the merchant and they asked me to cancel the dispute, and they would then ship the item. I submitted the request for cancellation over a month ago, which is still pending. They haven't updated anything in their system. Now XXXX the card holder won't change the status to allow me to re-dispute as part of the appeal process nor provide any information on arbitration correspondence. I called Gemini and they just told me to call back in a week if it wasn't fixed, no explanation to timelines, my rights or any other dispute rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the fraudulent account currently being reported on my credit file. I never authorized, opened, or acknowledged this account. Its reporting is inaccurate, and I insist that it be corrected without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My wife and I paid our home hazard and flood policies up front at the beginning of the policy period in a lump sum payment on XX/XX/year> XX/XX/year> respectively. However, our lender has been charging us through escrow every month this year and even after calling dozens of times and being told that we would get a refund, we haven't received anything. They have even told us that a check was in the mail and yet when we called the lender after the check didn't arrive, they said a check was never sent. They keep blaming it on the insurance company until we have them dead to rights with all the information. Then they say that we'll get our money and they'll follow up with us but obviously they never do.

We even have a long audio recording of our conversation with an agent that promised things that never materialized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$640.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
In XX/XX/year>XXXX I filed a Borrowers Defense to Repayment application through Federal Student Aid ( FAFSA ). Under Department of Education rules, my student loans should have been placed into administrative forbearance/deferment starting from that date. 

Instead, my servicer failed to honor that protection. They did not place my account into deferment in XXXX. They treated the account as delinquent, placed it into collections, and reported negative information to the credit bureaus. They did not update my account to Borrowers Defense deferment until XX/XX/year>. 

This delay has seriously impacted my credit score, and that negative reporting has directly affected my ability to secure housing. Because of this error, combined with other unfair credit reporting issues from a different company. I am now facing difficulty finding housing when I urgently need it. 

When I contacted my servicer, they told me they had never received notice from FAFSA, despite the fact that I filed directly through the official system in XXXX. They failed to verify or correct the issue for months, and only updated my status belatedly in 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 2025-09-02 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-02 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. They are mixed, fraudulent information that Ive never authorized or benefited from. These errors are causing me a lot of stress and its affecting everything. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Get this fixed immediately and confirm that you have removed all these fraudulent transactions and account from my credit report ASAP.

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