vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: WA

Complaint narrative:
XXXX looked at my TransUnion 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 & shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the Individual about whom the report relates according to 15 USC 1681 ( eXb ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generalit, ater any reinvestigation under paragraph ( 1 ) of any information disputed And according to 15 USC 1631i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, afer any reinvesfigation under paragrach ( 1 ) of any information disputed by a consumet, an bem of the information is found to be inaccurate or incomplese or can not be verfied, the consumer reporting agency shan.- ( promply delete that item of information from the file of the consumer, or modity that tem of information, as appropriate, based on the results of the reinvestigation ; and ( " promptly notty the fumisher of that information that the information has been modfied or deleted from the tie of the consumer and according to 15 USC 16818-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency il the person knows or has reasonable cause to bebeve 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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
This co called debt is false they gave me a free workout then all of sudden a month later I got Charged .. when I told them this was sort of mistake to to stop doing this they told me I woold have to pay they threatened and called for a few months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
It has come to my attention that my personal information has been exposed in several national data breaches. After reviewing my credit report, I noticed some accounts I am not familiar with. I have asked the credit reporting agencies for validation of debt ; however, the information has not been provided. The accounts are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 


Please find attached a copy of my ID, and copies of the XXXX report ( and other data breach reports ) showing my information being exposed in a national database.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Subject : Complaint Against First Financial Resources , Inc. Failure to Properly Handle Disputed Debt and Report to Credit Bureaus To Whom It May Concern at the CFPB, I am writing to formally file a complaint against First Financial Resources , Inc. , a collection agency currently attempting to collect a debt on behalf of an ambulance company. 

On multiple occasions, I have contacted First Financial Resources to request : A detailed and itemized bill validating the {$3100.00} debt they claim I owe. 
A negotiation to settle the debt in good faith. 
That the debt be properly marked as " disputed '' on my credit report as required by the Fair Credit Reporting Act ( FCRA ), since I have clearly communicated that I do not agree with the charges. 
To date : XX/XX/year> The agency has refused to negotiate, despite my offer to pay {$1000.00} in settlement of the debt. 
They claim to have uploaded the itemized bill to their online portal, but upon logging in, no documentation was available, only a payment screen. 
They have reported the debt to credit bureaus but failed to mark it as disputed, which is a violation of federal law. 
This debt originated from a very short ambulance ride ( less than XXXX miles ) during which only basic vital signs were taken ( e.g., XXXX XXXX ). My health insurance had already paid a portion of the bill, and I am disputing the remaining balance as excessive and unjustified. 

I believe this agency is violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA by : Failing to validate the debt upon request. 
Not providing access to the itemized statement they claim is available. 
Reporting inaccurate and incomplete information to the credit bureaus by not flagging the debt as disputed. 
I respectfully request that the CFPB investigate this matter and ensure that First Financial Resources : Provides me with a full, itemized bill from the original creditor. 
Corrects the credit reporting to reflect that the debt is disputed. 
Ceases collection efforts until the debt is properly validated. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I requested a refund of {$100.00} from XXXX on XX/XX/XXXX and was told several times over chat that they would give me a refund. I received an email on XX/XX/XXXX confirming the refund. When I didnt receive the refund I disputed the charge with Citibank Mastercard ( CBMC ). I was told by CBMC it would take 90 days to investigate and they would contact the merchant. 

When I spoke over the phone with a rep in CBMCs dispute dept, I explained the credit card number that was used by XXXX was an expired virtual number that I also had closed at least 6 months prior. As far as XXXX concerned, Citibank allowed a fraudulent charge. I was told I had to file a dispute of the charge. 

In the meantime I contacted XXXX and told them they told me they would refund my account for the full amount but still wasnt refunded. Finally I got someone at XXXX who said they would put the refund through again. However when I still didnt see a refund a couple of weeks later on my credit card, I contacted XXXX again and was told Citibank blocked the refund because of my impending dispute. XXXX told me if I dropped the dispute they could process the refund. Stupidly I trusted XXXX. After I cancelled the dispute with Citibank as instructed by XXXX, the Citibank website stated the dispute was resolved and I was responsible for the charge. 

Several days later I contacted XXXX to request they process the refund again, however they still claimed Citibank was blocking them from refunding the money. 

I contacted CBMC again to request that they reopen the dispute with XXXX and I emailed evidence ( the email from XXXX stating they refunded the money ) to CBMC disputes in XXXX, in addition to including Citibank on a 3 way phone call with XXXX so CBMC would have verbal proof from XXXX that they said they were being blocked by CBMC from refunding the {$100.00}. 

I can produce screenshots of chats with Citibank and proof of numerous phone calls with Citibank and XXXX if needed. 

I provided the last 4 numbers of my CBMC account number. I do not want to provide the entire number due to so much fraud and hacking going on these days

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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
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 Subject : Formal Dispute of Inaccurate Information - Jefferson Capital Systems Account XXXX XXXX I am writing to formally dispute the following inaccurate, incomplete, and/or unverifiable information on my credit report regarding an account listed by Jefferson Capital Systems XXXX XXXX XXXX XXXX  Creditor Name as Listed on Report : XXXX XXXX  Jefferson Capital Systems LLC XXXX XXXX * Account number XXXX * * Jefferson Capital Systems ] I am disputing this information for the following reason ( s ) XXXX XXXX XXXX XXXX Incorrect Balance : XXXX XXXX The current balance listed is incorrect. 

XXXX XXXX XXXX  Date of First Delinquency Incorrect : XXXX XXXX  The reported date of first delinquency is inaccurate.. This impacts the reporting timeframe. 

XXXX XXXX XXXX  Statute of Limitations Expired : XXXX XXXX  I believe this debt is time-barred by the statute of limitations in my state. 


I request that you thoroughly investigate this disputed information and provide me with the results of your investigation, including any documentation you used to verify the accuracy of this information, as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

If Jefferson Capital Systems can not provide sufficient and verifiable documentation to prove the accuracy and validity of this debt, I demand that it be permanently removed from my credit report immediately. 

Please send the results of your investigation to my address listed above within the time frame legally required by the FCRA. 

Sincerely, \ [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
Consumer Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Bank Name : Regions Bank Nature of Complaint : Dispute regarding unauthorized debit card charges ; violation of consumer rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005.11 ). 
Summary of Events : 1. I filed a dispute with Regions Bank for unauthorized debit card charges totaling {$19.00} and {$29.00} on XXXX XX/XX/year> via telephone call. 
2. My dispute was denied on XXXX XX/XX/year>, and I received a letter stating I could call a number to request the documentation used in the denial. 
3. Upon calling the number provided, the representative informed me there was " no documentation to provide '' and suggested I " XXXX the merchant '' instead. 
4. This response contradicts 12 CFR 1005.11 ( d ), which states that the institution must provide copies of any documents relied upon in its investigation.

5. Additionally, the representative gave me an email address to request documentation which turned out to be undeliverable, further obstructing my ability to access records and appeal the decision.

Concerns : - The bank 's written communication was misleading and did not result in access to required documentation. 
- The telephone response was inadequate and discouraged further action, potentially violating federal consumer protection laws. 
- I believe this conduct demonstrates noncompliance with federal regulations and a failure of the bank to uphold its responsibilities under Regulation E.

Supporting Documents Attached : -Denial Letter from Regions Bank ( my notes from phone call are on this letter ) -original email to Regions Bank re . dispute follow up and phone call email indicating that email address provided by Regions Representative was declined

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 2025-05-13 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: GA

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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The credit bureau shows ninety ( 90 ) days past due late payment status of {$350.00} with a reporting date of ( 2 ) different days : XX/XX/year> and XX/XX/year> with XXXX XXXX. I have been current with my account with this institution. I have maintained my current payment status with this institution. I have contacted the company several times and it was stated that I was in current status with them ; however, my account with the credit bureau still shows " late 90 days past due '' status.

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 2025-05-13 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: LA

Complaint narrative:
The credit bureau shows ninety ( 90 ) days past due late payment status of {$350.00} with a reporting date of ( 2 ) different days : XX/XX/2025 and XX/XX/2025 with XXXX XXXX. I have been current with my account with this institution. I have maintained my current payment status with this institution. I have contacted the company several times and it was stated that I was in current status with them ; however, my account with the credit bureau still shows " late 90 days past due '' status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: LA

Complaint narrative:
The credit bureau shows ninety ( 90 ) days past due late payment status of {$350.00} with a reporting date of ( 2 ) different days : XX/XX/year> and XX/XX/year> with XXXX XXXX. I have been current with my account with this institution. I have maintained my current payment status with this institution. I have contacted the company several times and it was stated that I was in current status with them ; however, my account with the credit bureau still shows " late 90 days past due '' status.

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 2025-05-13 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: AZ

Complaint narrative:
This account is completely unfamiliar to me. I have no knowledge of it, no association with it, and Ive never authorized it in any way. It does not belong on my report, and I have serious concerns about how it ended up there in the first place.

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 2025-05-14 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: OH

Complaint narrative:
I was previously on the SAVE plan and in the forbearance due to pending litigation. This past XXXX I applied to switch to the PAYE plan so that I could start making payments again. I received two letters dated XX/XX/year> stating that I was approved for the XXXX plan. Both the Mohela and XXXX XXXX XXXX websites state I am on the XXXX plan in my online accounts. On XX/XX/year> I was sent an email from Mohela stating : A federal court issued an injunction preventing the Department of Education ( ED ) from operating the Saving on a Valuable Education ( SAVE ) Plan and some other income-driven repayment ( IDR ) plans. As a result of this ruling, ED has directed MOHELA to put your account into a forbearance because either : 1. You are currently a borrower on SAVE.

2. 60 days have passed since we received your IDR application, and it has not yet been processed. 
I also had a letter dated XX/XX/year> in my Mohela account stating the same information. I filed a complaint on Mohelas website asking to be placed back into payment as I am not on the SAVE plan and have not submitted any other IDR applications since I was approved to switch to PAYE. That complaint has had no response. 

I called Mohela on XX/XX/year> and was told that they can see that I am on PAYE and that they would process a request to go back into payment within 5-10 business days. I called Mohela again on XX/XX/year> as my loans were still in forbearance. I was then told that the first agent did not submit the right request and that the issue with my account was due to a pending income recertification form, even though I did not submit that form. I was then transferred to another agent to process the cancellation of their claimed pending income recertification form but waited on hold for over XXXX hours with no option for a callback and I was not able to get through to another agent as I had to work. 

I called Mohela again on XX/XX/year> and was then transferred to a supervisor line with an automated message stating I would get a callback within XXXX business days. I did get a callback on XX/XX/year>, however, missed the call because I was at work. The agent left a voicemail with no direct number to call back and I was forced to start the process of trying to speak with a supervisor over again. I called Mohela back but the wait time for a supervisor was XXXX hours with no option for a callback. On XX/XX/year> I was finally able to speak with a supervisor and was told that there is a known issue within Mohela of borrowers being put back into the SAVE forbearance even when they have been switched to another repayment plan. They acknowledged that the issue is Mohelas fault. They told me, however, that it would now take up to 120 business days for my request to go back into payment to be processed even though the issue is Mohelas fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
It has come to my attention that my personal information has been exposed in several national data breaches. After reviewing my credit report, I noticed some accounts I am not familiar with. I have asked the credit reporting agencies for validation of debt ; however, the information has not been provided. The accounts are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 


Please find attached a copy of my ID, and copies of the XXXX report ( and other data breach reports ) showing my information being exposed in a national database.

Company response to consumer: Closed with explanation