vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
National Credit Systems has added a new collection to my credit report that is both inaccurate and unverified. This debt has been disputed previously, and a cease and desist letter was sent and honored. XXXX is now illegally reporting this account again, without validating the debt as required under FDCPA 1692g ( b ). They are damaging my credit, and this has directly caused me to be denied housing. I am now at risk of homelessness due to their unlawful and reckless reporting practices. This is not only a violation of FDCPA, but also a clear breach of FCRA 1681s-2 ( b ) for reporting unverifiable data. I demand immediate removal of this collection and full investigation into their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX I received several emails from various banks and a credit card company, indicating that I was trying to open business bank accounts/ credit cards under the high school ice hockey team that I used to be the treasurer for, and that they were being reviewed ... except one- Capital One. Capital One sent me an email on XX/XX/XXXX informing me that the business bank account was successfully opened. I immediately called them and informed them that it was a fraudulent account and to close it, which they said that they would flag it and send to their " investigative team ''. After several days worth of phone calls, locking accounts, etc., I called them to find out some of the specific business information that was used on the application. Since I am the one who set up the account for the team many years ago, I wanted to see if the information matched with what was put on the application, or not. I felt that if all of the business information was correct, then maybe the stolen information was actually someone who is affiliated with the team vs common identity theft scam XXXX. They refused to let me speak to anyone, nor help me with any of the questions that I had. Then they told me that if I wanted any of the information that I needed to fax or mail my FTC report, several forms of ID, letters, etc. and that MAYBE I would get the information in a couple months. After being a victim of identity theft, the last thing I want to do is send a copy of my ID 's through the mail. Since that time, hard copies of the fraudulent bank account have been mailed to my old address, and I was able to " hack '' into the account ( since it's my personal info ) and saw that transactions were still being allowed! Yesterday evening, XX/XX/XXXX, I received another email stating another bank account was attempting to be opened at XXXX XXXX XXXXXXXX, but this time they were also using my current address! Luckily someone called me ( since this was one of the previous banks that had been attempted in XXXX ) and shut down the application. But, this made me wonder if Capital One still had the account open since I had never received any information thus far. After a long phone call, it turns out that the account was finally closed on XX/XX/XXXX but there was no information that I could be given as to the investigation, or why it took so long to close!! The victim obviously has less rights than the criminal when it comes to Capital One...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I submitted a XXXX application via XXXX in XX/XX/XXXX. By XX/XX/XXXX, my application had not been processed and Mohela placed me on a standard payment plan. When I called Mohela in XX/XX/XXXX to check on my application status, they said that they did not process my application and I would need to resubmit it. By that point, XXXX was being challenges in court and so no new applications could be submitted. I was told that my standard payments would count towards my PSLF. 

Come XX/XX/XXXX, I was informed by my private loan service support company, XXXX, that none of the standard payments I was making to Mohela would count towards my PSLF. However, by this point, no new XXXX applications were open to apply to. 

When the XXXX applications opened in XX/XX/XXXX, I applied for a XXXX plan. I submitted my application via XXXX on XX/XX/XXXX and it was sent to Mohela on XX/XX/XXXX. Mohela acknowledged receipt of my XXXX application. 

It is now XX/XX/XXXX and Mohela has still not processed my XXXX application that they received on XX/XX/XXXX. I now call every XXXX days, spend XXXX hours on hold, to have them place me on processing forbearance while they process my XXXX application. If I do not call and speak to someone, they place me on a standard plan and I am afraid they will refuse to process my PAYE application altogether like they did with my XXXX application. 

I have to take days off of work to call them and have spent countless hours waiting on hold. Mohela continues to not process my application and will not give me a reason why. This is exhausting and I am frustrated that this has been going on for 17 months with no resolution. 

I work for a non-profit educational institution and qualify for PSLF. My account is in good standing. I want this resolved so my payments can count towards forgiveness like they are supposed to. 

I feel like Mohela is purposely not processing my application and keeping me on hold for hours so I give up trying to get them to do their jobs. I am so angry and frustrated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-09 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: TN

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-09 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-09 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: GA

Complaint narrative:
Transunion is reporting these fraudulent inquiries on my report and needs to be deleted now Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-09 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: MI

Complaint narrative:
My credit record review revealed several late payment entries that I believe are inaccurate. Despite sending formal validation request letters over 30 days ago, I've received no response and no satisfactory validation has been provided to support these alleged late payments. This prolonged silence is concerning as these negative entries continue to adversely affect my credit standing and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXXnterest Charged was over the XXXX XXXX interest rate of 6 %

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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
RE : Follow-Up to Complaint # XXXX Goldman Sachs Apple Card Fraud Dispute and Improper Account Closure To Whom It May Concern, I am submitting this letter as a formal follow-up to my previous CFPB complaint filed against Goldman Sachs Bank USA regarding my Apple Card account XXXX This follow-up includes critical information showing that Goldman Sachs has misrepresented their investigation in their official response dated XX/XX/XXXX. 
Specifically, Goldman Sachs falsely claimed that all reported fraudulent transactions between XX/XX/XXXX and XX/XX/XXXX were investigated. This is provably false. I submitted a full dispute letter on XX/XX/XXXX, which included over XXXX transactionsyet only a handful were ever reviewed ( XXXX given dispute credit, XXXX credit reversals and XXXX transactions were even in my XXXX transaction I provided. The rest were summarily denied without documentation, merchant evidence, or technical investigation. The total amount of dispute was {$220000.00}. 
Despite repeated requests, Goldman Sachs has failed to provide any logs, internal records, or merchant documentation. Additionally, the bank closed my account with a balance of over {$13000.00} while disputes remained pendingan act which appears retaliatory and violates Regulation Z ( XXXX XXXX XXXX ) and the Fair Credit Billing Act. 
Attached are : 1. My updated response letter sent to Goldman Sachs on XX/XX/XXXX ; XXXX. The original dispute letter dated XX/XX/XXXX ; 3. The full list of disputed transactions ; 4. The official account closure notice ; 5. Goldman Sachs response via CFPB. 
I am requesting : - A formal reopening of my complaint ; - Enforcement action requiring Goldman Sachs to provide the full investigative documentation and audit trail ; - Investigation into the fairness and legality of the account closure while disputes were pending ; - Relief from the fraudulent charges and removal of any derogatory credit reporting. 
Please confirm receipt and advise next steps. 
Full list of transactions attached as it's too large to paste

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-09 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/year> TRANSUNION credit reporting Agency Re : Request for Removal of Closed Account from Credit Report. 
Dear Sir/Madam, I am writing to formally dispute the continued reporting of a closed account on my credit report. The accounts in question are with : XXXX XXXX XXXX XXXX  and the account number is XXXX XXXX account is 8-year-old. 
Two accounts with XXXX XXXX XXXX different amounts. 
XXXX XXXX XXXX # XXXX XXXX This account is 12-year-old. 
XXXX XXXX XXXX XXXX XXXX account is 8-year-old. 
XXXX XXXX XXXX XXXX XXXX XXXX this account is 12-year-old. 
XXXX XXXX account ; XXXX XXXX Account is 7-year-old XXXX XXXX XXXX XXXX account # XXXX XXXX this account is 13-year-old Upon reviewing my credit report, I noticed that this closed account is still being reported as active or is incorrectly impacting my credit score. I am requesting the immediate removal of this closed account from my credit report based on the following points : Account Status : The accounts have been closed and should not be impacting my credit score or reported as an active account. Under FCRA Section 605, accounts that have been closed and no longer affect a consumer 's creditworthiness should be removed or updated accurately.

1. FCRA Requirements : Under FCRA Section 609, credit reporting agencies are required to maintain accurate and up-to-date information on consumer credit reports. If an account is closed and there are no ongoing balances or issues, it should be reported as such or removed if it no longer reflects current information about the consumers credit history.

2. Time Limits for Negative Information : If the account was closed due to a negative event ( such as default or late payments ), under FCRA Section 605, this information must be removed after seven years from the date of the last payment or default. If the accounts does not meet these criteria, it should no longer be reported 3. As such, I respectfully request that you conduct a thorough review of my credit report and remove those closed account from my file if it no longer reflects my accurate and current credit standing.

4. If you find that the information is inaccurate or unverifiable, I further request that you delete this account in accordance with the Fair Credit Reporting Act. Please send me a copy of the results of your investigation and an updated credit report once the closed account has been removed. 
I look forward to your prompt response. 
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 non-monetary relief