vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Regarding XXXX XXXXXXXX XXXX XXXXXXXX This account contains inaccurate information. 
In the payment history section of this account on Equifax for the month of XX/XX/2019 it shows paid. In the payment history section of this account on TransUnion for the month of XX/XX/2019 it shows 30 days past due. ( SEE ATTACHED DOCUMENTS ) Both can not be accurate for the same account on two different credit bureaus coming from the same source. This is after the dispute results from both XXXX  and Equifax claim this information was verified. It was clearly not verified and is inaccurate information. If XXXX XXXX Changes this information then that proves to the CFPB and in a court of law that these credit bureaus are not verifying this information as they claim in the dispute results. 
It is my right under the FCRA to an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: MA

Complaint narrative:
In XX/XX/XXXX I paid XXXX on my account ; it was never credited to my account. I filed a dispute in XX/XX/XXXX and I provided information to Mohela with verification from XXXX XXXX that payment was made. Mohela responded that the dispute was invalid/not filed by me. That is untrue. I filed a subsequent dispute in XX/XX/XXXX. Mohela has not responded. I want my payment posted to my account. It will satisfy the balance on the account.

Company response to consumer: In progress
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email from Credit Control LLC, claim reference # XXXX. 

The email stated that I have a past balance due with Synchrony bank for a XXXX XXXX credit card. The balance is for {$800.00}. While I did have a XXXX XXXX credit card in the past, there are a few things in this message that indicates fraud. 

XXXX, being the home address they provided for me is incorrect and I can prove I have never lived in that location. 

XXXX, my XXXX XXXX credit card expired on XX/XX/XXXX and then my account was closed due to account inactivity. The email from Credit Control LLC states that as of XX/XX/XXXX, I had a balance. So I could not have possibly used my account for 2 years since it was closed.

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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I applied for a credit card XX/XX/XXXX and was accepted. It was supposed to be received XX/XX/XXXX but it didnt arrived, because they didnt accept a XXXX XXXX as address in their application and I can not receive any type of mail on my physical address. I tried changing the address to add the XXXX XXXX letters before it, but they needed to verify it, for some reason they were unable to verify my address using my phone because its not a phone number from the mainland, even though its it an American company XXXX XXXX also they dont accept bank statements from other banks, than Citi itself, and is unfair because we dont have any Citibank here in XXXX XXXX. Ive been waiting for the address verification letter for more than 10 days already and they keep telling me the same thing to keep waiting.

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 2025-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Ava Finance, Inc
State: SC

Complaint narrative:
Account paid in full but still showing on credit report as unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I dispute the following hard inquiries as unauthorized or unverifiable and request their immediate removal : Date Creditor Name XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX And all other inquiries not authorized by me These inquiries were not authorized by me and do not reflect any initiated credit applications. Under FCRA XXXX ( c ), a permissible purpose is required for a hard inquiry. If no such authorization can be proven, the inquiry must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: COAST PROFESSIONAL, INC.
State: MO

Complaint narrative:
I have sent letters to the company to stop trying to collect on a debt that I did not know anything about, for services I had never received, and for billing me through a Veteran 's Entity when I have never served in the Military. I have never received a bill from the entity. I have ONLY received a notice from the US Department of Treasury that they plan to garnish my social security benefit on or after XX/XX/year>. 

When I told the US Department of Treasury to stop attempts to collect the debt because I am disputing it, they still are sending me letters stating that they will garnish my Social Security Benefits for the VA 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MN

Complaint narrative:
What Happened : Unfair Debt Collection and Credit Reporting by XXXX XXXX ( formerly Discover Bank ) and alleged agent XXXX XXXX XXXX  In early XXXX, Discover Bank ( now merged into XXXX  XXXX on XX/XX/XXXX ), through XXXXXXXX XXXX XXXX XXXX ( attorney XXXX XXXX ), served a lawsuit against me in Minnesota XXXX XXXX, XXXX XXXX ( Case XXXX XXXX ), alleging {$11000.00} owed on securitized credit card account XXXX XXXX XXXX XXXX XXXX XXXX As a consumer, I disputed validity, asserting lack of standing and disclosure, violating federal protections. 

On XX/XX/XXXX, I served Defendant 's First Requests for Admissions, Productions, and Interrogatories on Discover/XXXX  XXXX, demanding proof of reserves-funded credit, terms, loss, and securitization details. No response, denying transparency. 

On XX/XX/XXXX, I filed Answer with Affirmative Defenses, denying breach, account stated, and unjust enrichment due to no bona fide loss. Mediation  proposed ; ignored, escalating coercion. 

On XX/XX/XXXX, I served Cease and Desist Notice with Liability on XXXX via Certified Mail ( # XXXX, delivered XX/XX/XXXXXXXX  ; tracked # XXXX ), revoking authority and demanding dismissal within 10 days. No action, continuing harassment. 

In XX/XX/XXXX, XXXX secured garnishment, freezing my bank account without validation, impacting funds. On XX/XX/XXXX, I sent cover letter with IRS Forms 1099-A/B, evidencing the taxes have been assessed and no controversy exists and demanding release. 

Today, XX/XX/XXXX, I sent Debt Validation Letter via Certified Mail to XXXX XXXXDiscover Bank , demanding original contract, ledger, authority proof, response within 5 days ; complaint ID to be added post-filing. 

These violate CFPB-enforceable laws : - FDCPA, 15 U.S.C. 1692e : Misleading representations of debt validity/amount via undisclosed securitization. 
- FDCPA, 15 U.S.C. 1692f : Unfair garnishment without bona fide debt evidence.

- FDCPA, 15 U.S.C. 1692g : Failure to validate post-request. 
- FCRA, 15 U.S.C. 1681 : Inaccurate reporting to XXXX. 
- CFPA, 12 U.S.C. 5536 : Unfair/deceptive acts in credit practices. 

I seek investigation, mediation, halt to collection, account unfreeze, and credit corrections. 

This information is given in good faith, with clean hands and sound mind to the best of my knowledge and belief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. This account was previously deleted from my credit reports after a successful dispute with XXXX  and Equifax. However, it has now reappeared with no notice or legal basis. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ), the bureaus are required to notify me within 5 business days of reinserting a previously deleted item. I did not receive any such notice. Additionally, XXXX has never validated this debt in response to my requests. No original contract, billing statements, or proof of liability have been provided. The reinsertion appears unlawful and constitutes willful noncompliance with both the FCRA and FDCPA. This account is inaccurate, unverifiable, and harmful to my credit profile. It is reporting as unpaid and in collections, despite being previously resolved. Furthermore, the Equifax credit report currently does not list any account number for this debt, making it impossible to validate and match to any legitimate obligation. This raises significant concerns about the accuracy and integrity of the reporting process. I am requesting that this collection account be permanently deleted from all credit reports and that XXXX cease all further reporting or collection activity unless full validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am filing this complaint regarding Truists handling of estate-related correspondence for the estate of XXXX XXXX XXXX XXXX In XXXX, Truist mailed estate documents to my former address ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ). I never received these documents, and I have since made repeated formal requests for duplicate copies. 

On XX/XX/XXXX, I sent a certified letter to Truist requesting duplicate copies of the original estate-related correspondence. Truist downgraded this certified request into an email request and responded without providing the requested documents. I attempted to subpoena the documents through proper channels, but was unsuccessful. I then contacted Truist a second time, again requesting duplicate copies. Truist responded with the exact same email reply verbatim as their first response.

Truists refusal to provide duplicate copies obstructs my legal rights as an heir/beneficiary and prevents me from fully participating in probate and inheritance proceedings. Their lack of cooperation has forced me into repeated requests and legal encounters without remedy.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) To Whom It May Concern : I am writing to formally dispute the accuracy and permissibility of information appearing on my consumer credit reports. Pursuant to 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under specific permissible purposes, which require the consumers authorization. I hereby state that I never provided written consent for several parties to obtain or furnish my credit information.

1. Unauthorized Hard Inquiries The following inquiries were not authorized by me in writing and therefore must be deleted : 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  ( two separate listings ) 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 These inquiries are impermissible under the FCRA and must be removed immediately. 
2. Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX ) {$2500.00} This account is disputed as inaccurate and unverified. Unless documented proof of authorization and legal right to report is provided, it must be removed. 
3. Charged-O Accounts The following accounts are reported as charged o, but I dispute their accuracy and verification : XXXX XXXX XXXX multiple accounts, including charge-os for {$160.00} and others ) XXXX XXXX XXXX {$510.00} XXXX XXXX {$200.00} XXXX XXXX {$1500.00} XXXX  XXXX XXXX {$130.00} These accounts must be verified with documentation proving their accuracy. If they can not be fully verified, they must be deleted.

My Demands Under the FCRA 1. Conduct a full investigation into the above items.

2. Remove all unauthorized inquiries, collections, and charged-o accounts that can not be verified with documented proof of my written authorization.

3. Provide me with a complete written explanation of your findings and corrective actions, as required under 15 U.S.C. 1681i ( a ).

Failure to comply within the 30-day statutory period will constitute willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o, subjecting your bureau, and any data furnishers involved, to civil liability including actual damages, statutory damages, punitive damages, and attorneys fees.

This letter serves as my formal dispute and demand for resolution. 
Sincerely, XXXX XXXX XXXX XXXX of Birth : [ XX/XX/XXXX SSN ( Last 4 ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: GA

Complaint narrative:
Date : XX/XX/XXXX2025 TransUnion XXXX. XXXX XXXX XXXX, PA XXXX SUBJECT : FRAUDULENT ACCOUNT DISPUTE REQUEST FOR DELETION UNDER FCRA XXXX TO WHOM IT MAY CONCERN, I am writing to formally dispute and demand the immediate removal of the following fraudulent account from my credit report. This account was opened or reported without my knowledge or authorization. I have included a copy of my police report, government-issued ID, and proof of address as required by the Fair Credit Reporting Act ( FCRA ) XXXX. 

FRAUDULENT ACCOUNT TO BE REMOVED : Creditor : XXXX Card Account Number : XXXXXX/XX/XXXXAccount Type : Credit Card Status : Fraudulent I did not authorize or open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Subject : Formal Dispute of Spring Oaks # XXXX Demand for Immediate Investigation and Removal I am writing to formally dispute the accuracy and legitimacy of the collection account reported by Spring Oaks account # XXXX listed on my credit report. This account is erroneous, unverifiable, and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and recent regulatory actions. 
Basis for Dispute 1. Data Integrity Compromised XXXX Breach In light of the recent XXXX data breach disclosed in XXXX, I have reason to believe that my personal information may have been compromised and misused. Any data furnished by Spring Oaks must be revalidated under heightened scrutiny. XXXX, XXXX, XXXX  has a legal obligation under 1681e ( b ) of the FCRA to ensure maximum possible accuracy, especially following a breach.

2. This account may be part of a portfolio affected by those violations. Continuing to report this account without proper validation constitutes willful noncompliance. 

3. No Contractual Privity or Chain of Title I demand documented proof of the chain of assignment from the original creditor ( XXXX XXXX ) to Spring Oaks Capital. Without a valid contract or assignment, Spring Oaks has no standing to collect or report this debt. See Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ), which affirms the necessity of a valid assignment.

4. Pre-Arbitration Notice This letter serves as a formal pre-arbitration notice. If this account is not removed within 30 days, I will initiate arbitration proceedings under the terms of your consumer agreement and applicable laws. I reserve the right to seek damages for negligent reporting, emotional distress, and statutory violations.

Demand for Action I demand the following : Immediate deletion of the Spring Oaks account from my credit report. Full reinvestigation of the account under 15 U.S.C. 1681i. Written confirmation of the results of your investigation. Disclosure of all documents used to verify the account, including contracts, payment history, and assignment records. Failure to comply will result in arbitration and/or legal action. 
Sincerely, XXXX XXXX XXXX XXXX. Attorney General CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: CA

Complaint narrative:
There is a XXXX XXXX  ( XXXX XXXX ) on my equifax profile under derogatory remarks and a collection. Upon dispute of that item I received a letter from equifax saying that it wasnt being reported on my equifax report but they sent my credit report in the mail with it indeed being on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After paying the balance, XXXX confirmed in writing they would delete the tradelines. They remain reported. Despite repeated calls, XXXX claims they can not locate my account under my old number. This is inaccurate reporting, failure to conduct a reasonable reinvestigation, and failure to report accurately violations of FCRA 1681i and 1681s-2.

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 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I discovered a {$560.00} XXXX debt on my credit report that was being collected by I.C. System Inc. In XX/XX/year>, I exercised my rights under the Fair Debt Collection Practices Act and sent them a clear " refusal to pay '' notice via certified mail, which they received on XX/XX/year>. 

Under federal law, once a debt collector receives a refusal to pay notice, they can only send me very limited communications, basically just to tell me they're stopping collection efforts or to notify me of specific legal actions they might take. 

Instead, I.C. System violated the law by sending me contradictory and confusing communications. In XXXX, they sent me a letter claiming collection efforts were " terminated, '' but then immediately included standard debt collection language saying they were " attempting to collect a debt '' and provided unsolicited debt verification trying to get me to pay. 

They also falsely claimed I disputed the debt. They stated in their letter that " your dispute has been noted, '' when I never disputed anything. I simply refused to pay, which is completely different under the law. 

Lastly, I.C. System reported this false dispute information on my credit report. They reported to credit agencies that I had " disputed '' the account when I never did any such thing. They knew exactly what my refusal notice said and deliberately misrepresented it. 

I believe they intentionally mischaracterized my refusal as a " dispute '' to try to get around the legal restrictions and pressure me into paying. This has damaged my credit reputation and caused me significant stress and inconvenience.

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 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX  I ordered food from XXXX XXXX using my Cashapp card. I never received my order. I contacted the restaurant who told me I had to use the XXXX  mobile app since thats the way I placed my order. Its an XXXX  that just loops. I got nowhere. I reached out to cashapp who denied the dispute without any reason. I asked them to provide proof that my food was actually delivered to me and therefore would validate them denying my dispute. Once they denied the dispute I filed an appeal that was literally denied and closed within 5 minutes of my filing the appeal. The amount was {$25.00}. I would like for cash app to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Remove any and all unverifiable information in accordance with 15 U.S.C.

1681i ( a ) ( 5 ).

Provide me with a copy of my updated credit report reflecting any changes made as a result of your investigation.

Company response to consumer: Closed with explanation