vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Express Recovery Services, Inc.
State: WY

Complaint narrative:
I am filing a complaint against Express Recovery Services for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus. I received a collection notice from Express Recovery Services regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with Express Recovery Services. I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that Express Recovery Services had the legal right to collect the debt. Despite my request, Express Recovery Services failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until they validate the debt. Furthermore, Express Recovery Services did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations. Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that Express Recovery Services immediately cease all collection activities, remove the account from my credit reports, and provide full validation of the debt as required by law. Thank you for your assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I have repeatedly requested the extra miles benefit for using their shopping app for Walmart for XXXX months. There has been no response from Capital One credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
In XXXX a XXXX occurred against my federal taxes for my XXXX XXXX loan.i was informed in XX/XX/XXXX the loan had been XXXX as of XXXX bit never received a refund for the money that was taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have deposited into Wells Fargo Checking and many times delays on deposits and issues with account security and causing overdraft through XXXX services as well as deposit delays caused issues with availability of funds.

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 2025-10-20 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: AR

Complaint narrative:
This is a follow-up to my previous dispute filed under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), concerning several inaccurate, unverifiable, or outdated accounts on my credit report. Despite my initial request for a complete reinvestigation, I have not received any confirmation that a proper review was conducted, nor have I been provided with verification or documentation supporting the continued reporting of these accounts. The entries I previously disputed remain on my report without correction, clarification, or removal, which suggests that no meaningful reinvestigation has taken place, or that the results of such an investigation have not been properly communicated to me as required under the FCRA. The accounts in question include XXXX entries from XXXX XXXX XXXXXXXX, including account number XXXX XXXX XXXX XXXX  with a balance of {$550.00}, an entry from XXXX XXXX with account number XXXX XXXX XXXX and a balance of {$4500.00}, a collection account reported by XXXXXXXX XXXX  originally from XXXX XXXX XXXX with account number XXXX XXXX XXXX and a balance of {$2200.00}, and an account from XXXX listing the original creditor as XXXX XXXX XXXX with account number XXXX XXXX XXXX and a balance of {$430.00}. Additionally, the XXXX  XXXX account dated XX/XX/2025, remains inaccurately reported. These items continue to reflect incorrect or unverified information that does not match my records or history.

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 2025-10-20 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: AR

Complaint narrative:
This is a follow-up to my previous dispute filed under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), concerning several inaccurate, unverifiable, or outdated accounts on my credit report. Despite my initial request for a complete reinvestigation, I have not received any confirmation that a proper review was conducted, nor have I been provided with verification or documentation supporting the continued reporting of these accounts. The entries I previously disputed remain on my report without correction, clarification, or removal, which suggests that no meaningful reinvestigation has taken place, or that the results of such an investigation have not been properly communicated to me as required under the FCRA. The accounts in question include XXXX entries from XXXX XXXX XXXXXXXX, including account number XXXX XXXX XXXX XXXX  with a balance of {$550.00}, an entry from XXXX XXXX with account number XXXX XXXX XXXX and a balance of {$4500.00}, a collection account reported by XXXXXXXX XXXX  originally from XXXX XXXX XXXX with account number XXXX XXXX XXXX and a balance of {$2200.00}, and an account from XXXX listing the original creditor as XXXX XXXX XXXX with account number XXXX XXXX XXXX and a balance of {$430.00}. Additionally, the XXXX  XXXX account dated XX/XX/2025, remains inaccurately reported. These items continue to reflect incorrect or unverified information that does not match my records or history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The items are effecting my credit report and the accounts are closed and should not be on my report.

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 2025-10-20 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:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 XXXXXXXX

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 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Dear CREDENCE RESOURCE MANAGEMENT, This letter serves as a formal dispute and a demand for validation of the debt you claim I owe, pursuant to my consumer rights. 

I received communication from your agency regarding an alleged debt. I am disputing this debt and demand that you provide complete validation and verification of this account before any further collection activity is pursued or before any information is reported ( or verified ) to any credit reporting agency. 

The specific account information is as follows : XXXX Credence account # XXXXXXXX XXXX XXXX XXXX XXXX Reason for Dispute : I am disputing the accuracy and validity of this entire debt. Specifically, the balance you are reporting is inaccurate. My records indicate a discrepancy of {$0.00} from the true original amount. The balance you report is not correct, and therefore, the debt itself can not be validated as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

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 2025-10-20 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: AR

Complaint narrative:
This is a follow-up to my previous dispute filed under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), concerning several inaccurate, unverifiable, or outdated accounts on my credit report. Despite my initial request for a complete reinvestigation, I have not received any confirmation that a proper review was conducted, nor have I been provided with verification or documentation supporting the continued reporting of these accounts. The entries I previously disputed remain on my report without correction, clarification, or removal, which suggests that no meaningful reinvestigation has taken place, or that the results of such an investigation have not been properly communicated to me as required under the FCRA. The accounts in question include XXXX entries from XXXX XXXX XXXXXXXX, including account number XXXX XXXX XXXX XXXX  with a balance of {$550.00}, an entry from XXXX XXXX with account number XXXX XXXX XXXX and a balance of {$4500.00}, a collection account reported by XXXXXXXX XXXX  originally from XXXX XXXX XXXX with account number XXXX XXXX XXXX and a balance of {$2200.00}, and an account from XXXX listing the original creditor as XXXX XXXX XXXX with account number XXXX XXXX XXXX and a balance of {$430.00}. Additionally, the XXXX  XXXX account dated XX/XX/2025, remains inaccurately reported. These items continue to reflect incorrect or unverified information that does not match my records or history.

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 2025-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: AK

Complaint narrative:
Aidvantage is inaccurately reporting XXXX federal loans as delinquent despite being paid in full upon refinance through XXXX in 2016. Their own payment history shows a XXXX balance as of XX/XX/scrub> 2016. Weeks later, a retroactive Adjustment totaling {$1000.00} was added without explanation or notification. This error has caused substantial credit damage. Multiple written requests have gone unanswered. I am requesting immediate removal of derogatory reporting and written confirmation of a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MI

Complaint narrative:
The items are effecting my credit report and the accounts are closed and should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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.

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 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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KS

Complaint narrative:
XX/XX/XXXX {$68.00} XXXX XXXX XXXX  were cancelled. ( NO REFUND ) I contacted the business and they told me they would refund me but never did so I contacted Chime and they denied my claim again.. 
XXXX {$120.00} unauthorized ATM Withdrawal, my wallet got stolen. I contacted the XX/XX/XXXX and they told me to contact Chime. Still got no help and a Denied dispute. I had to order a new card. I have requested fully detailed responses as to what documents were used in the findings and why. Customer support is never any help. All they do is Deny Deny Deny. Even after advertising fraud protection!!! I have been waiting for months for a response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: GA

Complaint narrative:
Reliant Capital Solutions , LLC is reporting a collection account allegedly placed by XXXX XXXX University. I dispute this debt and have repeatedly requested validation under 15 U.S.C. XXXX ( b ). The company responded on XX/XX/scrub> 2025, claiming that a validation notice was mailed XX/XX/year>2025, but they provided no proof of delivery, no original signed agreement, and no itemized breakdown of charges. 

The validation enclosed consists only of an internal billing statement from the school and does not satisfy the statutory requirements of the FDCPA or FCRA for competent evidence. Reliant is continuing to report the account as verified without supplying the underlying contract or demonstrating chain of assignment. 

Reliant also confirmed that it reports to credit bureaus while acknowledging the account remains disputed, which violates FCRA XXXX ( a ) ( XXXX ) and constitutes continued collection activity without proper validation under FDCPA XXXX ( b ). 
The account information furnished to the credit bureaus contains conflicting balances ( {$510.00} vs {$230.00} ), inconsistent delinquency dates, and mischaracterized status updates. This demonstrates inaccurate data furnishing under FCRA XXXX ( a ) ( XXXX ) ( A ). 

I am requesting CFPB review because Reliants actions show a pattern of non-compliance, misleading reporting, and inadequate validation. I have attached their entire response letter, the XXXX XXXX University ledger they supplied, and my original dispute correspondence for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: VA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
I am disputing the reporting of the following inaccurate addresses on my credit file : XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX ( XX/XX/year> ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX These addresses do not belong to me and appear to have been incorrectly associated with my credit profile. Their continued presence may suggest identity confusion or mixed file issues and could lead to inaccurate reporting or credit risk assumptions.

Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies are required to maintain maximum possible accuracy in the information they report. Additionally, FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] provides me the right to dispute incomplete or inaccurate information and requires the bureau to conduct a reasonable reinvestigation within 30 days. Reporting unrelated or obsolete addresses violates these provisions and can cause harm to my credit reputation.

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 2025-10-20 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
I am sending to formally dispute several items on my credit report that I believe are inaccurate, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ). In accordance with FCRA Sections 602 ( A ), 607 ( b ), and 611, every consumer has the right to fair, accurate, and fully verifiable credit information. Upon careful review of my credit report, I have identified multiple entries that appear to violate these provisions by failing to meet the standards of accuracy and verification required by federal law. Therefore, I am requesting that your agency conduct a complete reinvestigation of the disputed accounts and, pursuant to FCRA Section 611 ( a ) ( 5 ), permanently delete any and all information that can not be fully verified as accurate and complete. Please provide written confirmation once the deletion has been completed, as required within 30 days of receipt of this dispute under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$430.00} 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

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