vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: OH

Complaint narrative:
XX/XX/XXXX These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed. 

None of the illegal accounts/INQUIRIES below is tied to my address which is XXXX XXXX XXXX XXXX XXXX , OH Under FCRA these must be removed immediately from 30 days of notice. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX  report. 


Remove all negative fraudulent items not associated with me!

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX  stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$450.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I attempted to cancel my XXXX flight within the 24-hour window of purchase, in line with their published policy. However, their website and app were not functioning properly, and I was unable to reach anyone by phone. As a result, I sent a formal cancellation request via email within that same 24-hour window, clearly stating that I wanted to cancel the flight. 

XXXX did not honor this request nor issue a refund of {$250.00}, despite multiple follow-ups and attempts on my part. I escalated the issue by submitting a formal complaint to the U.S. Department of Transportation ( DOT ), which acknowledged my case and requested a response from the airline.

After exhausting all options with XXXX and the DOT, I submitted the chargeback dispute to Capital One. Unfortunately, Capital One denied my dispute solely because it fell outside their 60-day window, even though I had been actively attempting to resolve the issue directly with the merchant and the DOT during that time.

I provided extensive documentation including the email showing my cancellation request within 24 hours, all DOT correspondence, and XXXX  failure to resolve the issue. Capital One refused to consider the context and denied the dispute without any flexibility, despite this being a case where the merchant clearly did not act in good faith. 

I am requesting CFPB review because I did everything a reasonable consumer should do. I followed the rules, and I should not be penalized for trying to resolve this fairly. I am seeking the return of {$250.00} based on XXXX  non-compliance with its own cancellation policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile.

Disputed Closed or Charged-Off Accounts : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-10-06 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: MS

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 : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-10-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: AL

Complaint narrative:
This debt was disputed before it was placed on my credit report I was put out of the property by the city do you the house being unsafe it had electrical wiring issues no heat and no air so we was forced to move by the city of XXXX the property manager didn't respond when contacted by the city and proceed to send notice to the property after I had already vacated the property the company is requesting the remaining balance but that is not the correct about that is owed due to the City removing me due to unsafe conditions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: MA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: InDebted Corporation
State: PA

Complaint narrative:
I gamble on XXXX app. I always deposit from my debit or checking. Somehow they are saying I owe {$180.00}. Have no clue how thats possible. I have not looked into it. Now they emailed my work email ( no idea how they got my work email ) and contacted my mother ( no idea how they got her email ). Thats a breach of privacy to email my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
My chime account was hacked and used for fraudulent transactions which caused it to be closed. i lost over {$1000.00} of my personal money and they refused to open my account back or give me my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: MOHELA
State: CA

Complaint narrative:
I have 2 issues with Mohela that have gone unresolved for a while now. Regarding the scholarship from XXXX XXXX, I requested the funds to be placed on loan 5, this was also requested on the check when XXXX XXXX sent the payment. This started in XX/XX/XXXX. The check was processed XX/XX/XXXX, and placed on Loans 3,4, and 5. This was not what I requested because I want to pay off loan 5 due to the highest interest. I have written emails and made calls asking them to move the money to loan 5 without any success. They state they will look into it, and it is now XX/XX/XXXX and nothing has been fixed. 

I also had a PSLF on loans 1 and 2, where I asked the refund to be place on loan 5. This has gone on for years. Then I notice XX/XX/XXXX the loan states, " Paid by discharge and/or write off '' and I can't find my refunds anywhere. I was supposed to receive a written response by XX/XX/XXXX and now it's XX/XX/XXXX and I haven't heard anything. I called them today and received the same answer " we'll look into it ''. How hard is it to apply payments to what the customer requests. I am asking this to be completed because it's been long enough for them to " look into it '' and I want to make sure all the interest is retro back. Mohela is the slowest servicer with the worst compliance.

Company response to consumer: In progress
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: AZ

Complaint narrative:
I am writing to formally dispute and request the immediate investigation and deletion of an inaccurate account appearing on my credit report. 

Account Information : Creditor Name : XXXX XXXX  Reported Balance : {$4100.00} Status : Placed for Collection / Disputed by Consumer Opened Date : XX/XX/XXXX Reported Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, credit reporting agencies are required to ensure maximum possible accuracy and conduct a reasonable investigation when information is disputed.

This account contains inaccurate and unverified information that can not be substantiated. I am requesting that you : 1. Conduct a full reinvestigation of this account under FCRA 611 ( a ) ( 1 ).

2. Obtain full verification from the furnisher ( XXXX XXXX ).

3. Delete this account from my credit file if the information can not be fully verified or validated.

Please send me a copy of the verification results and the name, address, and telephone number of any furnisher contacted regarding this dispute as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Failure to correct or delete this unverifiable data within 30 days of receipt of this letter will constitute a willful violation of the FCRA and may result in further action under 15 U.S.C. 1681n and 1681o.

Thank you for your prompt attention to this matter.

Please provide the following : 1. The original signed agreement or contract bearing my signature.

2. A complete itemized breakdown of the alleged amount owed.

3. Documentation showing you are legally authorized to collect or report this debt ( assignment or sale documentation ).

4. The name and address of the original creditor and all account numbers associated with this debt.

Until this information is provided, you must cease all collection activity and credit reporting per FDCPA 809 ( b ) and 805 ( c ).

If you fail to validate the debt within 30 days, I will consider this account unverified and request immediate deletion from all credit reporting agencies under FCRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I have attached the federal civil complaint and the pre-demand letter. Please see the attachments.

DOCUMENTED VIOLATIONS Your company has contacted me twenty-two ( 22 ) times via text message regarding a debt that does not belong to me. Not one of these 22 text messages included the legally required
Mini-Miranda disclosure. Despite my explicit requests to cease contact and your own representative 's verification that I am not the consumer you are seeking, you have continued this harassment.

Timeline of Violations : Initial contact : Sunday, XX/XX/2025 at XXXXXXXX XXXX Ongoing weekly contacts : Text messages every 7 days thereafter ( totaling 22 contacts ) Twenty-first contact : Thursday, XX/XX/2025 at XXXX XXXX  My first written refusal to pay : Thursday, XX/XX/2025 at XXXXXXXX XXXX Phone call to XXXX : Thursday, XX/XX/2025 ( recorded line ) Your representative verified I am NOT the debtor and promised removal from all systems Continued harassment after cease request : XX/XX/2025 at XXXX XXXX  ( only 3 days later ) Additional unauthorized contact : XX/XX/2025 at XXXX XXXX  Second written refusal : Thursday, XX/XX/2025 at XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I am filing this complaint against Medicredit , Inc. for their attempts to collect a debt that I have disputed and for failing to provide proper validation of the debt.

The company has sent multiple communications, including a new billing statement, that disregard my formal dispute and documentation.

The original creditor is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and the account number is [ XXXX ]. The purported total balance is {$2900.00}. 

I initially disputed this debt by sending a letter via XXXX on XX/XX/year>. In this dispute, I provided documentation proving a significant billing error and a discrepancy between the billed amount and the amount my insurance paid to the provider. My own calculations, based on documented payments and insurance claims, show a remaining balance of {$1900.00}, not the full {$2900.00} they claim. 

On XX/XX/year>, I received a settlement offer from Medicredit to pay {$1400.00}. As a good faith effort to resolve this, I sent a formal " Pay-for-Delete '' certified letter on XX/XX/year>. 

In that letter, I made a counter-offer to settle the debt for {$1100.00}, conditioned upon their written agreement to delete this account from all three major credit reporting agencies ( XXXX, XXXX, and XXXX  ). 

Instead of responding to my specific terms or providing the requested debt validation- Medicredit sent a new billing statement dated XX/XX/year>. This communication states that they have " determined that the balance on the account is accurate '' but does not provide the itemized billing or documentation necessary to prove their claim.

They are simply insisting on the full, disputed amount and have not acknowledged my request for a formal pay-for-delete agreement.

This action is a failure to properly handle a disputed debt under my rights as a consumer.

Supporting Documentation : Copy of the original bill from XXXX XXXXXXXX XXXX ( {$2900.00} ) Copy of your two payment receipts ( {$500.00} and {$750.00} ) Copy of the insurance agent 's message/EOB Copy of your initial dispute letter via XXXX Copy of the XXXX  receipt for your initial dispute Copy of the Medicredit settlement offer ( {$1400.00} ) Copy of your " Pay-for-Delete '' letter Copy of the Certified Mail receipt for your " Pay-for-Delete '' letter Copy of the new billing statement dated XX/XX/year>, that ignores your dispute Itemized billing statement Medicredit have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint because several items on my credit reports are being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX XXXX XXXX Format Guidelines. 
I previously filed disputes for these accounts, but the credit bureaus and furnishers have failed to provide proper verification or proof of investigation within the required XXXX period under FCRA 611 [ 15 U.S.C. 1681i ( a ) ]. Instead, the accounts were reinserted on my credit file without proper written notice of reinsertion as required under FCRA 611 ( a ) ( 5 ) ( B ). This violates my rights to a complete and accurate investigation and the credit bureaus duty to report data with maximum possible accuracy under FCRA 607 ( b ).

The following accounts are being reported inaccurately and require correction or deletion : XXXX  Acct # XXXX Reinserted after previous dispute without verification ; balance and status not consistent across bureaus. 
XXXX XXXX Acct # XXXX Shows charge-off on XXXX bureau and open on another ; balance and status conflict with XXXX XXXX XXXX for account closure. 
XXXX XXXXt # XXXX Reports a charge-off with {$120.00} past due but XXXX balance ; this is an internal reporting error and inconsistent with XXXX XXXX XXXX Field XXXX ( Account Status Code ). 
XXXX Acct # XXXX Shows Consumer disputes after resolution but no supporting verification documents provided. 
XXXX XXXX ( XXXX XXXX ) Reporting inconsistent past-due amounts and delinquency dates that do not match payment records. 
Violations : FCRA 602A : Failure to maintain accurate consumer reporting.

FCRA 607 ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) : Failure to reinvestigate and verify disputed information within 30 days.

FCRA 611 ( a ) ( 5 ) ( B ) : Reinsertion of previously deleted information without proper notice.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers continued to report information they knew or should have known was inaccurate. 
Metro 2 Reporting Guidelines : Violation of data integrity standards regarding account status, payment rating, and date of first delinquency fields.

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