vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Counsel, Inc.
State: CA

Complaint narrative:
Between XX/XX/year>XXXX  and the present, a debt collection company, Credit Counsel , Inc. ( CCI ) has contacted me on many occasions to apparently attempt to collect the debt of a family member. Credit Counsel , Inc. has contacted me, and the person has identified themselves as an attorney named " XXXX XXXX ''. I contacted the original creditor, and they were clear that they had no knowledge of any XXXX XXXX attorney. Subsequently ( and seemingly the same voice ) CCI has called me repeatedly ( again, not my debt ) and when I called out their tactics of lying and saying they are an attorney and stated that these tactics are illegal and they are contacting me for someone else 's debt they called me a " clown ''. I have repeatedly told them to stop contacting me. This company, CCI, is breaking the law without any regard and is harassing me.

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 2025-07-30 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: TX

Complaint narrative:
The following collection account are not mind and wasn't suppose to be on my consumer report, there as been series of inaccuracy on my consumer report which is very unfair and does not follow the FRCA guidelines, please kindly remove the following collection account because I got nothing to do with them. 

Debt Recovery Solution XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2023

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 2025-07-30 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: TX

Complaint narrative:
The following collection account are not mind and wasn't suppose to be on my consumer report, there as been series of inaccuracy on my consumer report which is very unfair and does not follow the FRCA guidelines, please kindly remove the following collection account because I got nothing to do with them. 

Debt Recovery Solution XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
This charge was unauthorized, and I should not be held responsible for it. The transaction in question occurred on XX/XX/year>, in the amount of {$2500.00}, under the merchant name Anthem of the Seas. I have repeatedly tried to dispute this charge over the last XXXXXXXX XXXX XXXX XXXX XXXX, but Apple Card ( serviced by Goldman Sachs XXXX has refused to take any meaningful action to resolve it. 

Despite informing them that this was not a purchase I made or authorized, they closed my dispute without proper investigation and later closed my Apple Card account entirely, which feels retaliatory and unethical.

This has caused significant financial stress, as the {$2500.00} was withdrawn from my bank account, and no refund or credit has ever been issued. Apple and Goldman Sachs have both told me that the matter is considered closed, and they are refusing to allow any appeal or further review, eve
n though Ive provided explanations that this charge was not mine.

Im requesting that this be re-investigated and that the {$2500.00} be refunded or credited back to me. Ive done everything I can to resolve this directly with the company and have now exhausted all internal options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 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: AZ

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact details of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law. This failure to respond constitutes a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-30 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: OR

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
Hello, I need immediate help. My account was debited {$360.00} claiming it was repayment for an advance I never asked for. I never requested a XXXX XXXX, I deposited cash at XXXX. 

There is no history in my account showing that I ever accepted an advance or spent any of what was advanced, and this charge is completely unauthorized. I want the funds returned and the transaction investigated. Please provide documentation or correct the mistake right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On or around XX/XX/year>, I discovered multiple fraudulent activities affecting my credit file. There have been numerous hard inquiries and attempts to open accounts in my name without my knowledge or consent, which are clear indicators of identity theft. I did not apply for or authorize these accounts. 

Specifically, the following accounts have been fraudulently reported : XXXX XXXX XXXX {$55.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$470.00} XXXX XXXX {$290.00} I have never opened or used any of these accounts, nor did I authorize any charges or collections related to them. These accounts do not belong to me and are inaccurately associated with my credit profile. 

I have formally requested that the creditors and all three major credit reporting agencies Experian, XXXX, and Equifax remove these items within four ( 4 ) days in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. I have also requested verification and validation of these accounts, including written proof of where and how they obtained the information that falsely links these accounts to me. To date, no such validation has been provided. 

These fraudulent accounts and unauthorized inquiries are causing serious harm to my credit standing and financial well being. I respectfully request immediate removal of all related negative reporting, inquiries, and collections.

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 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding the U.S. Department of Education 's gross mishandling of a known fraudulent Pell Grant disbursement, which the Department has erroneously attempted to collect from me. This case involves serious systemic failures in fraud detection, compliance, and victim protection. 

The Financial Aid Office at XXXX XXXX of XXXX XXXX submitted a Pell Grant overpayment referral to the Department of Education on XX/XX/XXXX. That referral was explicitly marked 'FRAUD ' by the institution, clearly indicating that the aid was issued improperly. The grant was disbursed under my former name, XXXX XXXX, which has not been my legal name since I changed it in XXXX  after getting married. 

Despite this clear institutional determination of fraud, the Department of Education has continued to pursue me for repayment. I have been subjected to multiple collection notices and repeated document demands even after I submitted the following : - FTC Identity Theft Report - Legal name change certificate ( XXXX ) - Driver 's license - Social Security card - proof of current address - Academic transcripts showing last attendance over 10 years ago - Four signature samples, two of which are from the time of the alleged disbursement The Department 's subsequent demand for notarized copies, a court ruling, and the same documents again reflects a deliberate strategy of obstruction and intimidation, designed to shift the burden of proof onto the victim while ignoring overwhelming evidence. There is no reasonable justification for continuing collection on a debt that the originating institution already determined to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NY

Complaint narrative:
Starting on XX/XX/XXXXXXXX  I opened an investigation with XXXX  against Edfinancial services to look into a student loan account listed on my credit report that I had never opened or requested to be opened. The dispute was closed on XX/XX/XXXXXXXX  by XXXX  siding in my favor to remove the false loan from my account. Then on XX/XX/XXXX the account is now listed once again on my credit report. The loan shows that it was taken out for {$390.00}. I contacted my college ( XXXX XXXX  previously XXXX XXXX ) originally about the loan and they told me it didn't exist. Then I reached out to EdFinancial multiple times and they directed me towards XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The payments were all made on time and in the correct amount since the beginning of the loan. The problem began and only occured in XXXX of XXXX, when there was a miscommunication between the bank account and the auto payment process. The payment was off by {$.00}. This has ultimately incurred {$510.00} in late fees and a fifteen-dollar 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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
Dispute of Alleged Debt Request for Validation Pursuant to FDCPA To Whom It May Concern, I am writing to you in response to a collection notice I received, or an account you have reported on my credit file. Please be advised that I am formally disputing the validity and legality of this alleged debt, as is my right under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g * *.

Under federal law, you are required to * * provide proper validation of the debt * *, including but not limited to : 1. The original creditors name and address 2. A complete accounting and breakdown of the alleged debt 3. The original signed agreement or contract bearing my signature ( if applicable ) 4. Proof of your legal right to collect on this debt 5. The chain of title proving ownership and assignment of the debt Until such documentation is provided, * * you must cease all collection efforts, including phone calls, letters, and reporting to any credit reporting agencies * *, as required by * * 15 U.S. Code 1692g ( b ) * *.

Additionally, be reminded that * * attempting to collect on a debt without proper validation or legal ownership is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ) * *, and may constitute fraudulent collection practices under federal and state laws. Be advised that it is * * not legal to collect on a debt that can not be validated or legally assigned * *, especially if sold by the original creditor for pennies on the dollar without full documentation.

If this account is being reported to any credit bureau, this letter serves as my formal dispute under * * FCRA 15 U.S. Code 1681i * *, and I demand it be marked as in dispute on all credit reports during the investigation.

Failure to comply will result in complaints being filed with the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * state Attorney Generals office * *. I also reserve the right to pursue legal action and statutory damages of up to * * {$1000.00} per FDCPA violation * *, plus attorneys fees. 

This letter is a formal notice and should be treated as such. Please respond within * * 30 days * *, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, XXXX XXXX appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed item without proof. 
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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX I was doing my periodic review of my consumer report and i saw are furnishing XXXX XXXX  some accounts with payment as later on my credit report. That was XXXX. I did submit disputed 60day later send me letter said this information was verified with out any proof. I need to know what method they used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Please remove this collection on my credit its for a credit card

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 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/year>, I deposited a check for {$790.00} into my Chime checking account via mobile deposit. I believed it was a legitimate payment, but shortly after, Chime closed my account without warning and froze my access to all of my money including the personal funds I already had in my account before the deposit. 
I later discovered the person who sent the check was likely a scammer. They are no longer responding and have blocked me. I reached out to Chime multiple times to dispute the situation and request access to my remaining funds. However, Chime refuses to investigate or provide documentation and continues to tell me to contact the person who sent the check which is not possible. 
I did not knowingly participate in any fraud. I am a victim of a scam and am being punished by losing all of my own legitimate money with no resolution. I am requesting that Chime return my personal funds and provide full transparency on the closure decision and transaction history.I have documentation of the check and correspondence with Chime if needed.

Company response to consumer: Closed with explanation