vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/year> EASTERNACCOS XXXX XXXX XXXX XXXX XXXX  CT XXXX Re : Formal Request for Debt Validation Account Number : [ Insert Account Number ] To Whom It May Concern, I am formally requesting validation of the alleged debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

This is not a refusal to pay, but a request that you provide complete verification of the alleged debt before I take any further action. Until this information is provided, you must cease collection activities and remove any negative credit reporting related to this account. 

Under federal law, please provide the following : 1. Proof that I am legally obligated to pay this debt, including A signed original contract or agreement Documentation showing the chain of ownership if the debt was sold 2. A full accounting breakdown, including : Original amount Interest, fees, and how they were calculated Payments applied 3. Proof that your agency is authorized to collect in my state, including : Your state license number Your registered agents address 4. A copy of the original creditors itemized statement showing how the balance was determined. 
5. Verification that you have not reported inaccurate information to any credit reporting agency. If you have, please remove the account until the debt is fully validated. 

If you can not fully validate this debt within 30 days, or if the requested documentation can not be produced, you must : Cease all collection activity, Delete this account from my credit reports, and Send written confirmation that the account has been permanently closed. 

Please communicate in writing only. 
I request that you send all responses to the address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
b"I Opened an account with Apple Card aka Goldman Sachs Bank.\nAfter moving the problems started. I Got a New Non iPhone with a New number. We Also moved to a New address. The Company told us they could not update our address or phone number in the system because it was tied to the app on the iPhone. They also would not talk to us with our getting the verification code sent to the app we no longer had.  \nI could not get through the phone system with our the code however found I could get through to sales. (This took a month to find this out) I Asked them to mail a statement so I could make payment. I never got the statement. They could not update my address in the system but they did make notes with new number and address however they did not use the notes to contact me.  I mailed payments to the address they have on file no check was cashed. I have also mailed them 2 30 day demand letters for contact and never got contact from any one. \nFirst one sent on XXXX XXXX XXXX  received XXXX XXXX XXXX  Tracking (XXXX XXXX XXXX XXXX XXXX XXXX)\nSecond one Sent XXXX XXXX XXXX  Signed by XXXX  on XXXX XXXX Tracking (XXXX) \nIn the letters I have listed my new Phone number and Address. I sent each letter to a different address they have listed. One for payments the other their headteachers.  Still with our contact. They are charging me late fees and interest and impacting my credit. They have not cashed my check and had told me in the past over the phone the only way to pay is via the iPhone app.  I don't feel I should be paying the late fees and interest I have spent time and money trying to contact them, with no luck. I just want to pay off and close this account."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: RI

Complaint narrative:
Received letter from RFGI for debt collection of a subscription with XXXX. I have never had a subscription with any website like this and this is not my debt. Reported this to RFGI and they suggested I submit to FTC as well. 

Account number referenced XXXX Amount {$170.00} RFGI had my name, birthday and address. Email address on file was not mine

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 2025-12-08 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: MS

Complaint narrative:
requested dispute opened, replied next day saying validated but info on how validated

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 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-08 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am writing to formally express my concern regarding the handling of my account by MOHELA and to request immediate intervention. 
Despite providing all required documentation, including a letter of discharge, MOHELA has failed to process the refund of {$2100.00} that is rightfully owed to me. Additionally, my account still reflects an incorrect balance of {$680.00}, even though this issue was escalated to a higher authority on XX/XX/XXXX. At that time, I was assured the matter would be resolved within 35 business days. 
Today, after following up, I was informed that MOHELA may take up to 90 additional business days to complete the refund processon top of the 90 days already elapsed. This is unacceptable and places an undue burden on me as a borrower who has complied fully with all requirements. 
I am requesting your immediate assistance to : Ensure the refund of {$2100.00} is processed without further delay. 
Correct the remaining balance of {$680.00} on my account. 

This situation reflects a serious lapse in accountability and transparency. I trust that you will recognize the urgency and take swift action to resolve this matter. Please confirm receipt of this letter and provide a timeline for resolution. 
Thank you for your attention and support. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-08 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> CREDIT COLL XXXX XXXX XXXX XXXXXXXX MA XXXX Re : Formal Request for Debt Validation Account Number : [ Insert Account Number ] To Whom It May Concern, I am formally requesting validation of the alleged debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

This is not a refusal to pay, but a request that you provide complete verification of the alleged debt before I take any further action. Until this information is provided, you must cease collection activities and remove any negative credit reporting related to this account. 

Under federal law, please provide the following : 1. Proof that I am legally obligated to pay this debt, including A signed original contract or agreement Documentation showing the chain of ownership if the debt was sold 2. A full accounting breakdown, including : Original amount Interest, fees, and how they were calculated Payments applied 3. Proof that your agency is authorized to collect in my state, including : Your state license number Your registered agents address 4. A copy of the original creditors itemized statement showing how the balance was determined. 
5. Verification that you have not reported inaccurate information to any credit reporting agency. If you have, please remove the account until the debt is fully validated. 

If you can not fully validate this debt within 30 days, or if the requested documentation can not be produced, you must : Cease all collection activity, Delete this account from my credit reports, and Send written confirmation that the account has been permanently closed. 

Please communicate in writing only. 
I request that you send all responses to the address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Adjustment Service, Inc.
State: MN

Complaint narrative:
I have been contacted multiple times by this number throughout the previous month and ignored the calls until today. They only left one voicemail on XX/XX/year> ( they also offered a call back # : XXXX ) and simply said : This is XXXX XXXX calling from diversified adjustment service. Please call me. Today when they called, I answered and they immediately asked for me to verify my address and zip code. I had no idea who they were and why they had my information. They also knew the last four digits of my SSN and asked for my confirmation. I declined and said that I would only provide information if I knew who they were. They said that they couldnt tell me ANYTHING unless I confirmed this information. I asked Im not asking a question that requires personal information, Im asking what your organization does they said unless you confirm your information, I cant disclose that information. They refused to provide any general information about their business and continued to cut me off before I could finish a sentence and eventually hung up on me. I am very concerned about their access to the last four digits of my SSN. I looked up the phone number and it was affiliated with a business called diversified adjustment service. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
It was reported on my credit that I missed payments for month of XXXX and XXXX of 2025 for my XXXX XXXX loan that I had with XXXX XXXX, causing me to loose XXXX points off my credit score. This is incorrect because I was in an accident on XX/XX/XXXX that resulted in a total loss of the vehicle. XXXXXXXX XXXX was aware of this and we were awaiting settlement payment from other parties insurance and remainder payment from my gap insurance which was issued on or before XX/XX/XXXX. In between time, I made my monthly note payment in XXXX and XXXX and all months prior to the accident on time. I do not understand why it was marked as late or delinquent. I would like to dispute this and rectify so I can redeem the points I lost. I have screen shot proof of payment history to support this.

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 2025-12-08 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: IN

Complaint narrative:
I am filing this complaint because several items being reported by the credit bureaus appear to be inaccurate, incomplete, or unverifiable. I have attempted to address these issues directly with the bureaus, but the information is still reporting incorrectly. I am requesting the XXXX  assistance to ensure a proper investigation under the FCRA. 
Charged-Off Accounts XXXX  XXXX Acct # XXXX XXXX XXXX Opened XX/XX/year> Balance {$0.00} * * If the balance is {$0.00}, the charge-off status is inaccurate. I dispute this account and request full verification. 

Inquiries None listed. 

Late Payments Bridgcrest Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXXXX/XX/XXXX These late payments appear inaccurate. I am requesting verification of these alleged delinquencies. If they can not be validated with official records, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: AZ

Complaint narrative:
I have reviewed my credit report and found unverified items.

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 2025-12-08 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My student loan servicer, XXXX, reported a delinquency after the COVID forbearance repayment restart. I logged in immediately after receiving notice of payment being due, but at the same time I was involved in a legally mishandled eviction dispute with my landlord. The incorrect eviction notices and resulting legal uncertainty created a temporary financial hardship. 

Because of this, I needed time to gather the funds. As soon as the legal matter was resolved and I was financially able, I paid the full amount and brought the account current. This was a one-time issue and does not reflect my overall payment behavior or intent. 

Despite this, XXXX reported the late payment to the credit bureaus. This caused my credit score to drop from above XXXX to approximately XXXX from a single event. I own a small business that relies directly on my personal credit for financing. This extreme and sudden drop is jeopardizing my ability to secure funding and therefore impacts my ability to continue repayment.

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