vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account status incorrect
Company: Goal Structured Solutions, LLC
State: TN

Complaint narrative:
Dear CFPB Complaint Resolution Team, I am writing to formally file a complaint against Launch Service LLC regarding the handling of my student loan account, specifically due to a lack of communication, unauthorized negative credit reporting, and an improperly managed forbearance agreement.

Issue Summary : I did not receive any mail notifications regarding my student loan account because the servicer had an incorrect mailing address on file.

Email notifications were sent to an work email address and did not appear in my primary inbox it was going to spam box. 

I was unable to access the online account portal until XXXX XXXX which prevented me from being aware of the account status. 

Upon checking my credit report, I discovered that my credit score had significantly dropped due to reported late payments on my student loan account.

In an effort to prevent further damage, I set up a forbearance agreement with the servicer immediately upon becoming aware of the situation.

However, I was not given the opportunity to resolve the issue before negative information was reported to the credit bureaus.

Violation of Fair Debt Collection Practices Act ( FDCPA ) 1692g ( a ) : The servicer failed to provide the required Initial Communication Notice within five days of initial contact, which should have included the amount of the debt, the creditors name, and my right to dispute the debt.

Violation of Fair Credit Reporting Act ( FCRA ) 1681e ( b ) : The negative credit reporting of late payments is inaccurate because I was never properly notified, and I was not given a chance to resolve the situation before my credit was impacted.

Due to this situation, I am currently unable to obtain a student loan to complete my degree program. This has caused significant stress and disruption to my educational goals.

I have attached any supporting documents.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Spring Oaks Capital, LLC
State: IA

Complaint narrative:
RE : Request for Proof of Assignment and Dispute of Alleged Debt Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit.

I DEMAND YOU REMOVE THIS ENITRE ACCOUNT FROM MY CONSUMER REPORT To Whom It May Concern : I am writing to formally dispute the validity of the above-referenced account that you are attempting to collect or report. According to the Fair Credit Reporting Act ( FCRA ) and federal case law, any entity that furnishes information to a credit bureau or attempts to collect a debt must have clear, documented legal authority to do so. 



You are hereby requested to provide the following within 30 days : XXXX. A complete chain of assignment from the original creditor to your company. 

XXXX. Proof of ownership or legal right to collect on this debt. 

XXXX. All contracts, bills of sale, or transfer agreements proving the assignment of this account to you. 



Under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting inaccurate or unverifiable information to any credit bureau . Furthermore, if you continue to report or collect on a debt without legal assignment, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a thorough and reasonable investigation upon receiving notice of a dispute. 



This requirement is supported by federal case law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX must investigate and verify all disputed information, especially legal ownership. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Emphasizes the importance of fully investigating disputed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Courts have ruled that lack of valid assignment documentation renders a debt inaccurate for reporting purposes. 



If you are unable to produce these documents, I demand that you : Cease all collection efforts, Delete any tradeline you have furnished to credit bureaus, and Confirm in writing that you have closed the account. 



Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 



This letter serves as both a formal dispute and a request for validation of debt under the FCRA and FDCPA ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
We had a refund issued to a Citibank Visa account that had been closed. Once we determined how the refund was processed and where the funds ended up, Citibank had the funds for 2 weeks. The funds were processed out of the account, and a check was mailed to the business address on the account, and not the home address. The check was lost, and on XX/XX/XXXX, we called and notified Citibank that the check was lost. They said that they would put a stop payment on the check and that the funds would be processed via ACH to our checking account. Three calls were made the week of XXXX to confirm that the ACH was being processed, and I was told on XXXX that the ACH would be processed that day and the funds would be deposited by XXXX. The funds did not get deposited, and another call was placed on XX/XX/XXXX. On this call, we were told that the stop payment was never processed and that they now had to go through that process and then the ACH approval process, and the funds would be available in 5-7 business days. The amount is just shy of {$6500.00}, and we needed access to pay other obligations. Now we are late on our payments, incurring late payment fees and damage to our credit rating. As of XX/XX/XXXX, the funds have still not been processed into our account. Citibank has had our money for over 30 days now.

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 monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Theres inaccurate information showing on my credit report, and its seriously affecting my ability to move forward financially. Because of these errors, my credit applications are being denied, and its creating a lot of unnecessary stress and setbacks. This situation is unacceptable and directly impacts my rights as a consumer.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of DEPT OF ED - XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt DEPT OF ED- XXXXXXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX  ( the credit card company cancelled my credit card without notification or reasons. At the time I had a rewards balance of {$13.00} which I requested be sent to me by check. They declined as the minimum rewards payout was {$15.00} per their policy. Since I was not able to charge anything to the card to bring the balance up to their policy minimum, .and I had earned the rewards, I feel that I should be paid them. 
BTW : Since I destroyed the card prior to recognizing the problem, I am unable to provide the full account number. The number provided is the last four digits of the card number.

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 monetary relief
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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-05-15 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: LA

Complaint narrative:
This inaccurate reporting is directly damaging my financial standinghindering my ability to obtain loans, secure credit, and access housing. The presence of unauthorized negative information on my credit report is both unjust and unacceptable. I demand an immediate and thorough investigation, followed by the full removal of these unauthorized accounts. This matter requires urgent correction, and I expect swift and decisive action without delay.

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: 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: CA

Complaint narrative:
I am submitting this complaint regarding a collection account reported by XXXX XXXX. 

I had an account with XXXX that began in XXXX. In early XXXX, I reached a payment agreement with XXXX to pay the balance in monthly installments. However, XXXX failed to continue the agreed-upon auto-debits without notifying me of any issues. 

Later, I was contacted by a third-party collection agency, but I was never notified in writing that the account had been transferred to collections. I requested validation of the debt, but the agency did not provide proper documentation. 

Now, this account is being reported as a charge-off/collection on my TransUnion and Experian credit reports, even though it does not appear on XXXX. This inconsistency raises concerns about the accuracy and completeness of the reporting. 

I never signed or acknowledged any agreement with the collection agency. The original creditor failed to fulfill their part of the arrangement, and the consumer has been left with negative credit consequences despite her good faith efforts to pay. 

I am requesting that this account be removed from my credit reports or that a full validation be provided by the furnisher. 

Thank you for your attention.

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 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a charged-off credit card account with Capital One, totaling {$2200.00}. The collection agency working on their behalf offered to settle the debt for {$1400.00}, to be paid in 7 monthly payments : {$210.00} for XXXX and {$210.00} each month from XXXX through XXXX. 

I agreed to this payment plan over the phone and asked for the settlement agreement in writing before making any payments. However, they told me that I will only receive the written agreement after making the first payment. 

I explained that I need written confirmation of the terms before sending money, but they refused. Ive followed up, and they continue to insist I must pay first. 

Im worried that if I pay without documentation, the full balance might still be pursued or the terms could change. Im asking for help to ensure I receive a written settlement agreement before I make any payments, so I can protect myself and feel confident about honoring the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Transunion to block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

The fraudulent, inaccurate, and false information includes the following : A wireless account opened at XXXX XXXX on XXXX XXXX 2023 under the account number ( private ).

A utility account opened at XXXX XXXX opened on XXXX XXXX2023 under the account number ( private ). 

These accounts have resulted in several fraudulent hard inquiries and collections on my consumer FICO credit report. I have attached a list of the hard inquiries and a copy of the consumer FICO credit report maintained by you, which shows these fraudulent items. 
I do not recognize these accounts, collections, or hard inquiries as reported. 

The accounts, collections, and inquiries appearing on my credit report were not opened, made, or authorized by me. All of these items are the result of identity theft and fraud. 
I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that these items are the result of identity theft and fraud.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not authorized or consented to the opening, use, or reporting of these accounts. Under the doctrine of estoppel by silence ( Engelhardt v. Gravens, 281 S.W. 715, 719 ( Mo. App. 1926 ) ), I presume that in the absence of verified documentation demonstrating my liability for these accounts, no valid debt exists.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not authorized or consented to the opening, use, or reporting of these accounts. Under the doctrine of estoppel by silence ( Engelhardt v. Gravens, 281 S.W. 715, 719 ( Mo. App. 1926 ) ), I presume that in the absence of verified documentation demonstrating my liability for these accounts, no valid debt exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

CAF - 40387952 List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I noticed unauthorized charges for a monthly subscription service on my account for XXXX months in a row. I requested a refund and was told that the most recent charge would be eligible for a refund on XX/XX/year> ( 7 days after the charge ). I called on the XXXX and was told that I would not be eligible for a refund until the XXXX.

Company response to consumer: Closed with explanation