vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: Kansas Counselors, Inc.
State: IA

Complaint narrative:
I got a statement for XXXX. It does not say what this is for. It does not say why I should pay this amount. This was put on my credit report. The letter you sent to me does not explain anything about the amount owed. I can not be expected to pay a bill just because you sent a generic letter saying I owed money. 
Reference XXXX Pin Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IA XXXX Please email me a response at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

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 2025-07-21 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-21 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:
I disputed XXXX XXXX XXXX XXXX.... on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within XXXX  days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-21 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX Date : XX/XX/XXXX Subject : Formal Dispute and Demand for Removal of Inaccurate Late Payment Entries Pursuant to 15 U.S.C. 1681a To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681a, and is a demand for the immediate deletion of inaccurate and outdated late payment notations currently appearing on my consumer report maintained by TransUnion. 
The FCRA defines the purpose of consumer reporting as ensuring fair and accurate credit reporting that is confidential, accurate, relevant, and properly utilized. Late payments that are misleading, unverifiable, or outdated are in violation of my rights as a consumer. 
Furthermore, you are reminded of your duties under 15 U.S.C. 1681i, which require you to conduct a reasonable reinvestigation of any information disputed by a consumer and delete or modify information found to be inaccurate, incomplete, or unverifiable. 
Supporting Case Law : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court emphasized that consumer reporting agencies must ensure the accuracy of reported information and can not blindly rely on data furnishers. 
XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : It was established that continued reporting of inaccurate or misleading information, even after being notified by the consumer, constitutes willful noncompliance under the FCRA. 
XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court found that information must be both accurate and not misleading in any material sense, and failure to meet that standard can result in liability under the FCRA. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Reinforces that CRAs must reinvestigate disputes and remove unverifiable or erroneous information. 
As such, I demand that TransUnion : Immediately remove all late payment entries that are inaccurate, misleading, or unverifiable. 
Provide written confirmation that these entries have been deleted. 
Refrain from re-reporting these items unless they are fully verified under FCRA standards. 
Failure to comply will constitute a continued violation of the FCRA, and I will not hesitate to pursue legal remedies including statutory damages, actual damages, and punitive damages under 15 U.S.C. 1681n and 1681o. 
Please respond in writing within the XXXX statutory period with confirmation of your reinvestigation and the specific results, as required by law. 
Sincerely, 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
incorrect bankruptcy information on my account, called court they advised the information does not match my information or creditors names. 
I need it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2025, I placed a {$9.00} order through XXXX XXXX  using Zip ( formerly XXXX ) as the payment method. The food was never delivered. 

I immediately reported the issue to XXXX XXXX  through the app, but my refund request was denied. I then contacted XXXX, who informed me they could not help and that I should dispute the charge through my bank, Discover. 

I contacted Discover to dispute the transaction on the grounds of non-delivery of goods, but they refused, stating that since the purchase was food-related, it was not eligible for dispute. However, this is not about food quality I never received what I paid for. 

I am now being held responsible for paying for a service I never received, and all three parties ( XXXX XXXX, XXXX, and Discover ) have denied responsibility or refused assistance. 

I am requesting CFPB assistance to : Stop further payments, Ensure I am refunded the {$9.00}, And hold the involved parties accountable for denying a clear non-delivery dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/year>, I requested that Chase close my business checking account and transfer the remaining funds to my personal Chase account. They completed the transfer correctly, but then Chase mistakenly closed my personal checking account instead of the business XXXX. I did not authorize this closure. 
I discovered the issue on XX/XX/XXXX when I logged into my Chase app and found my personal account missing. After calling Chase, I was told a check had been issued for the entire balance without any prior notification or confirmation from me. They have since refused to reinstate the account or correct the mistake unless I visit a branch in person. 
I am currently out of the country and stranded, without access to my money. I have missed multiple bill payments due to this error, and my financial situation is now in jeopardy. 
Chase has admitted the account is closed but refuses to provide any documentation, explanation, or resolution unless I appear in person, which is not possible. I am requesting : A full investigation Immediate access to my funds A formal written explanation of the error Compensation for the disruption, financial damage, and distress caused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AL

Complaint narrative:
XXXX. Parties Involved Servicer/Lender : Sloan Servicing Loan Account Number ( XXXX ) : [ Insert loan number ( XXXX ) if available ] XXXX. Summary of Complaint In XX/XX/year>, I submitted a formal request for a payment adjustment to Sloan servicing, specifically asking for payment modification. This request was made through the appropriate channels, in accordance with the servicers guidelines, and in good faith. 

Despite this, the lender : - Failed to timely process or acknowledge the payment adjustment request - Continued to record the loan as delinquent during the processing delay - Reported the loan as delinquent to major credit bureaus, despite my pending request and continued good-faith communication - Requested identity authentication by unsecured means ( e.g., email ), raising privacy concerns- Failed to resolve the matter after multiple follow-ups via phone and email, causing additional stress and harm - Sited that I have to give them personal information on account or they can not access it, yet they accessed my loan without my consent to move my loan from Nelnet to Sloan Servicing XXXX. Harm Suffered As a result of the lenders mishandling : - My credit score has been negatively affected, damaging my ability to obtain credit - I have suffered emotional distress and loss of trust in the servicing process - I incurred unnecessary financial burden due to delayed or mishandled processing of my lawful request - My efforts to resolve the matter were met with inadequate or unprofessional responses

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
Equifax, Transunion, and Experian has reported inaccurate, unauthorized, and unverifiable accounts on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates a reasonable reinvestigation of disputed information,, which requires that all information furnished be reported with maximum possible accuracy. 

The listed accounts are false, incomplete, or outdated, and I have never opened nor authorized these accounts. These errors have caused harm to my credit profile and financial standing. Equifax has failed to provide the method of verification, as required under FCRA, despite my prior dispute dated XX/XX/year>. 

If this matter is not addressed and fully corrected, I reserve the right to pursue legal action for damages under both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) for deceptive and misleading reporting practices.

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 2025-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: NC

Complaint narrative:
I was misled into a loan through Aqua Finance where I was told I would receive an 8 % APR. However, the actual interest rate turned out to be 9.99 %. This was not made clear in any straightforward way, and several voided documents were presented during signing, which I believe contributed to the confusion and misrepresentation. 

I made payments for over a year without raising concerns, believing the loan terms were as promised. I only realized the discrepancy after my water system began failing and I reviewed my loan more closely. The payments are creating serious financial hardship and I never would have agreed to these terms if they were presented honestly. 

I contacted Aqua Finance and requested help or inclusion in the FTCs recent settlement for deceptive practices. However, I was told that my account was denied for any refund or relief. I strongly disagree with this decision and believe I should be eligible for inclusion based on the circumstances.

I am asking the CFPB to review this case and assist in holding Aqua Finance accountable and in helping me obtain cancellation or full discharge of the loan due to misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
In XX/XX/XXXX, I properly notified XXXX XXXX XXXX XXXX XXXX XXXX  of my intent to end my lease. The community manager acknowledged my XXXX notice and confirmed early termination. I vacated the unit on time and paid all rent and utilities in full. No balance was owed at move-out, and no notice of outstanding charges was ever sent. 

On XX/XX/XXXX, I was contacted by Columbia Debt Recovery LLC ( XXXX ) regarding a Relet Fee Skip that appeared for the first time more than XXXX XXXX  after I moved out. This was the first communication I received from any party regarding this charge. Prior to that, I received no written statement, final bill, or opportunity to dispute the amount despite providing my email, phone number, and XXXX XXXX XXXX. 

I contacted XXXX via email ( starting XX/XX/XXXX ) and web chat multiple times, but received no acknowledgment until XXXX XXXX. Even then, no justification was provided for the charge. According to the lease, a reletting fee is only owed under specific conditions ( e.g., default, eviction, or unpaid rent ), none of which applied in my case. The charge is not supported by my lease agreement. 

Despite my efforts to resolve the issue, XXXX reported this debt to the credit bureaus, causing my credit score to drop by over XXXX points. I believe this is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), due to their failure to provide timely debt validation and their reporting of an unsubstantiated debt. 

I am seeking the full removal of this collection from my credit reports, written confirmation of account closure with a XXXX balance, and financial compensation for the damage caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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 items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically Section 605B, which mandates that credit bureaus block identity theft-related information. No signed contracts or valid documentation have been provided. Remove these accounts from my file at 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 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

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX has updated information dated XX/XX/year>. When my current statement cut off date is XX/XX/year>. My XXXX payment was made on XX/XX/year>. My bank released payment on XX/XX/year>. XXXX update is not correct they updated information on current month prior to my payment and statement cut off date. Why is this going on.? My other credit reports are correct with payment received and applied to account. Please why are they doing this. Capital one credit card is the credit company. Why is capital one reporting my current information prior to cut off date and payment. Can u please - please fix this problem. It's fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
I am filing this complaint against TransUnion LLC for continued unlawful, misleading, and outdated reporting of a charged-off XXXX XXXX XXXX credit card account ( ending in XXXX ) on my TransUnion credit report. 

According to TransUnions records : The account was opened on XX/XX/XXXX. 
The account was closed on XX/XX/XXXX. 
The last payment date is listed as XX/XX/XXXX. 
The pay status is Account paid in full was a charge-off. 
The estimated removal date is shown as XX/XX/XXXX. 
However, derogatory activity ( e.g., XXXX day late ratings ) clearly began as early as XX/XX/XXXX, with persistent delinquencies and charge-off status by XXXX. 

Despite the above, TransUnion continues to : Report the account monthly as C/O ( charge-off ) through XX/XX/XXXX. 
Show a balance of {$14000.00} every month from XX/XX/XXXX through XX/XX/XXXX, which only dropped to {$0.00} in XX/XX/XXXX. 
Display a removal date of XX/XX/XXXX, which unlawfully extends the XXXX clock by using the payment date rather than the Date of First Delinquency ( DOFD ). 

This is a textbook violation of : FCRA 605 ( a ) ( 4 ) Negative credit information may not be reported more than 7 years from DOFD. 
FCRA 1681i ( a ) TransUnion failed to maintain accurate, fair, and timely reporting, and instead allowed continued monthly updates that misrepresent the accounts true age and status. 
FTC Staff Opinion Letters, including the XXXX XXXX, which clarify that the XXXX limit starts at the original delinquency, not the date of charge-off, payment, or closure. 
Metro 2 compliance Monthly C/O reporting long after the charge-off occurred is improper and creates the false appearance of ongoing activity. 

Harm As the sole income earner for my household, I rely entirely on my credit report. This re-aged, obsolete tradeline severely impacts my credit score, debt-to-income ratio, and access to housing and credit. I was recently denied financing and offered higher interest rates specifically due to this continued derogatory entry.

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 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
original credit card was XXXX XXXXy and they close and my original card had a promotion with 0 % for 18 month and i received XXXX XXXX  to replace XXXX XXXX  made several attempt to find out why the balance was so high and interest at 30 % and the bills or letter sent to my home to resolve problem was told the account was charged off, now i have a debt collector suing me for triple the amount

Company response to consumer: Closed with explanation