vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX ). The account shows a recent open date ( XX/XX/XXXX ), but the original delinquency occurred in XXXX. This appears to be a re-aged debt, which is a violation of FCRA 605 ( c ).

I requested validation and supporting documentation under FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ), but received no response. I demand this account be removed from my credit file with all bureaus if the information can not be verified as accurate and complete.

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 2025-05-30 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:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
Ive been trying to get debt validation. Havent been successful. They said it was charged off but I never received a 1099

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
I am writing to file a formal complaint regarding an account handled by XXXX XXXX Investments on behalf of XXXX XXXX XXXX XXXX XXXX for a credit account that has already been paid in full as per a settlement agreement. 

Despite fulfilling my financial obligation and completing payment as agreed upon, the account is still showing up on my credit report as unpaid or delinquent. According to the terms of the agreement, the account should have been updated accordingly and/or removed from my credit report. The continued inaccurate reporting is negatively impacting my credit profile and causing financial harm. 

Details of the Account : Original Creditor : XXXX XXXX XXXX XXXX XXXX. 
Collection Agency : XXXX XXXX XXXX Account Status : Paid in full as per agreement Issue : Credit reporting has not been updated to reflect payment/closure per agreement I have made several attempts to resolve this issue directly with the agencies involved but have not received a satisfactory response or resolution. I am requesting that the Consumer Financial Protection Bureau intervene to ensure this matter is resolved promptly and fairly. 

Please investigate this matter and take appropriate action to ensure that the account is : Removed from my credit report if agreed upon in writing at the time of payment. 

Attached are any relevant documents including proof of payment and agreement terms. 

Thank you for your time and attention to this matter. I look forward to a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime advertises my pay up to {$500.00} they gave me {$280.00} and then dropped it this pay period to XXXX I get the same direct deposit every month it is never changed I get so XXXXXXXX XXXX XXXX and it's the same amount and then talk about it could change with the different direct deposits but why does it change and go lower when I'm getting the same instead of going up and I asked him about it and they said it was just a thing with the computer and that they can't change it I have a problem with this because it's false advertisement to me with what they advertise when you sign up for their account they've also done this with their spot me and I have a problem with banks lying to me about what they offer and then don't actually follow through with everything that they offer so I want something done about this and I want to be compensated for this because this is a major problem you're messing with my check my government check to survive on because I'm not able to work and make more money so I need them to be fine sanctions anything to make them live up to what they advertise and are supposed to be offering to each and every individual customer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TN

Complaint narrative:
I have had several credit inquiries that where made, as a result of Identity Theft. All lowering my credit score. These where not done by me. I have also contacted all three credit bureaus, and none of them have removed the inquires, nor have they attempted to contact me in the dispute of this matter. I had to FREEZE to my credit, how ever the score has only gotten lower it has not gotten any better.

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 2025-05-30 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: TN

Complaint narrative:
I have had several credit inquiries that where made, as a result of Identity Theft. All lowering my credit score. These where not done by me. I have also contacted all three credit bureaus, and none of them have removed the inquires, nor have they attempted to contact me in the dispute of this matter. I had to FREEZE to my credit, how ever the score has only gotten lower it has not gotten any better.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
I am disputing an invalid account reported by US DEPT OF ED/XXXX XXXX XXXX original creditor ( XXXX XXXX ) on my XXXX  credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act ( FCRA ). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher can not provide proper validation, it must be deleted per federal law. This account does not belong to me and I XXXX XXXX have never applied for and or been approved for a Private or Federal student loan.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Derogatory remarks reflecting my credit report, which in turn is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal have been contacted a number of times regarding unauthorized transactions and someone not authorized by the name XXXX XXXX is using the account to make transactions XXXX. Additionally, there are unauthorized transactions/charges from a merchant XXXX. Dispute reporting these transactions PayPal refuses to investigate and or assist me with these disputes. I have been contacting them since XX/XX/year>, to resolve these issues. I placed a hold on the account last month I still see transactions by a XXXX XXXX since XX/XX/year>. I need assistance with these issues. XXXX unauthorized transactions in the amounts of {$48.00} twice in XX/XX/year>, for a membership fees I never enrolled into. Thank you in advance for your assistance. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX AND XXXX XXXXwas never late! I have had exceptional payment history witH capital 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

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

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Today ( XX/XX/year> ), I logged in to Aidvantage.studentaid.gov to upload my XXXX loan forgiveness application with signed paperwork from the districts I've worked for. 

Whenever I would get to the documents upload page, the website would crash and wouldn't allow me to upload my documents. 

I called Aidvantage and was connected with a representative. I explained the situation and she said that it was a " system error. '' I asked if this could be fixed, and she said " no. '' She told me that I could fax my documents to Aidvantage so that they could be processed. I asked if there would be any type of confirmation that they had received my documents. She told me " you may get a confirmation email. '' I replied, " So, there is no guarantee that I will receive a confirmation email? '' She responded, " Right, you may or may not get a confirmation. '' I faxed my paperwork over to the number provided this afternoon via XXXX XXXX ( and spent quite a bit of money to do something that SHOULD be free ). 

I just logged in to Aidvantage to see if anything has been uploaded and the website crashed and logged me out when I tried to go to my aidvantage inbox. 

However, the website does not crash when I click " make a payment. '' Strange.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-30 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
PAID CHARGE-OFFS ( XXXX  XXXX ) Your Full Name XXXXXXXX XXXX XXXXXXXX XXXX Your Address ] XXXX XXXX XXXX XXXX City, State ZIP ] XXXX XXXX XXXX [ Phone Number ] XXXX [ Email Address ] XXXX XXXX : [ MM/DD/YYYY ] XXXX SSN ( Last XXXX ) : [ XXXX ] XXXX Date : [ Insert Todays Date ] XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Request to Update Paid Charge-Off Accounts XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to request a formal update and correction of two previously charged-off accounts on my XXXX  credit report, both of which have now been paid in full. The accounts in question are : XXXX ( XXXX XXXX / XXXX ) Account XXXX XXXX XXXX Status ( should reflect ) : Paid in full, {$0.00} balance Paid Off Date : [ Insert payment date if known ] XXXX  XXXX ( XXXX credit card ) Account # : XXXX Status ( should reflect ) : Paid in full, {$0.00} balance Paid Off Date : [ Insert payment date if known ] Dispute Summary : These accounts are still being reported with charge-off notations and, in some cases, unverified balance history or missing paid updates. As these debts have been resolved and fully satisfied, I am formally requesting that Experian : Update both tradelines to reflect Paid in full, {$0.00} balance Remove any reference to currently past due, unpaid charge-off, or balance owed Ensure all future reporting shows accurate, resolved status for both accounts Legal Basis for This Dispute : FCRA 1681i ( a ) : You are required to reinvestigate disputed items and ensure the consumer file reflects accurate, current information.

FCRA 1681e ( b ) : Experian must maintain the maximum possible accuracy of all reported data. Leaving these accounts in a derogatory state after payment is inaccurate and misleading.

FCRA 609 ( a ) : I request full disclosure of the verification method used to report or maintain the charge-off status post-payment if not corrected.

Supporting Documentation ( if available ) : Copies of my final payment confirmation Any correspondence from XXXX XXXX confirming the payoff

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a credit card in the mail that I did not apply for on XX/XX/year>. I called capital one and it said the account was opened on XX/XX/year>. No charges are currently on the card per capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IN

Complaint narrative:
Was sued by this company for {$5400.00} and never received a single piece of mail to settle debt. The XXXX  was sent to an old address that I lived at in XXXX. The company got permission to garnish my wages from the court because IWas sued by this company and never received a single piece of mail to settle the debt. The XXXX  was sent to a old address that I lived at in XXXX. The company got permission to garnish my wages because I never received a XXXX  at my current address, which they have because its on the paperwork I could not defend myself or workout a payment plan and avoid a lawsuit instead they are garnishing my wages. I asked them to remove the garnishment and set up a payment plan and they say they could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-05-30 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation