vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am writing to formally address my concerns regarding my Capital One credit card account and the ongoing financial strain caused by excessive late fees and high interest rates. Despite making payments, even in small amounts, my balance continues to increase due to nearly {$65.00} in late fees and interest each month. 

I have repeatedly reached out to request a structured payment plan that would allow me to pay {$50.00} per month toward my balance while also seeking assistance in reducing the financial burden imposed by compounding fees. However, I have been denied any form of assistance, making it nearly impossible to make meaningful progress in repaying my debt. This situation is both frustrating and unfair, as I am actively trying to fulfill my financial obligations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am submitting this complaint because Experian continues to report inaccurate, unvalidated, and legally XXXX debt despite being formally disputed with supporting evidence. These debts are causing me measurable financial harm, emotional distress, and are being reported in direct violation of federal law. 

Accounts in XXXX : XXXX. XXXX XXXX XXXX ( XXXX ) : Reporting a {$320.00} collection tied to a XXXX XXXX loan. This account was : Closed and refinanced in XX/XX/year> by XXXX XXXX Never notified in writing by XXXX under FDCPA 1692g ( a ) Deleted from XXXX after proper dispute and documentation was presented Still being reported on Experian without providing any legal validation, proof of assignment, or contract XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reporting an account originating from XXXX XXXX XXXX XXXX XXXX The contract clearly included a clause that forgave the debt in the event of job loss or termination which occurred. 
I was never contacted by XXXX prior to reporting XXXX failed to send any debt validation letter, violating FDCPA 1692g XXXX removed this account when this clause and job loss were submitted Experian continues to allow reporting with no legal documentation or validation XXXX. XXXX XXXX XXXX XXXX ( direct ) : Still reporting a duplicate tradeline after the debt was discharged by contract and removed by XXXX. 

Proof of Systemic Error : These exact same accounts were investigated and deleted by XXXX after documentation of contract forgiveness and fraud was provided. 
Experian is failing to follow FCRA 1681i, which requires a reasonable reinvestigation. Merely accepting a furnishers unverified report is accurate response is NOT legally sufficient. 

Violations Committed : Experian : FCRA 1681i failure to reasonably reinvestigate All collectors : FDCPA 1692g failure to send validation letter Furnishers ( XXXX XXXX XXXX ) : FCRA 1681s-2 ( b ) knowingly reporting unverified debt Resulting Harm : I have been denied a mortgage, forced into high-APR financing, and denied stable housing due to these erroneous reports. 
The stress, XXXX, and emotional toll from ongoing damage to my financial reputation has caused mental health strain and financial instability. 
These debts do not legally exist or were never validated, and yet continue to harm me daily.

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 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to find I had been the victim of identity theft. I do not recognize these accounts. Please remove account ( XXXX ) from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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 2025-04-02 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: GA

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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 2025-04-03 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: FL

Complaint narrative:
- I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-04-02 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: OH

Complaint narrative:
Subject : Urgent Dispute Fraudulent Accounts on Equifax & TransUnion To the Consumer Financial Protection Bureau, I am formally disputing fraudulent accounts that are currently being reported on my Equifax and TransUnion credit reports. These accounts do not belong to me, nor have I ever applied for or opened them. The fraudulent accounts are as follows : XXXX XXXX  {$3500.00} XXXX {$0.00} My personal information was compromised in the Equifax breach , the XXXX  XXXX  XXXX XXXX  XXXX XXXX breach , and the XXXX  breach. As a result, my identity was stolen and used to open these accounts without my knowledge or consent. 
These accounts are not mine, and I am demanding their immediate and permanent removal from my Equifax and TransUnion credit reports in accordance with my rights under federal law. The continued reporting of these fraudulent accounts violates the following consumer protection laws : 31 U.S.C. 5118 Protecting consumers from unlawful financial obligations. 
15 U.S.C. 1681B Limiting the use of consumer reports for permissible purposes. 
15 U.S.C. 6802 Restricting financial institutions from sharing consumer data without consent. 
15 U.S.C. 1681B2 Governing the accuracy and integrity of consumer reports. 
I demand that these accounts be immediately deleted from my credit reports and that I receive a written confirmation of their removal. 
If this matter is not resolved promptly, I will be forced to escalate my complaint to the FTC, my state attorney general, and legal authorities for further investigation and enforcement of my consumer rights. 

Please investigate this matter immediately and ensure these fraudulent accounts are permanently removed. 

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
Consumer complaint received 2025-04-03 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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
CFPB Complaint Against Loan Servicer & Credit Bureaus Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against Aidvantage, Department of Education, XXXX, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

# # # Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

XXXX. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
My name is XXXX XXXX, and i am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 

Furthermore, I demand the immediate detention of the item in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the dispute

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 2025-04-03 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:
My name is XXXX XXXX, and i am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 

Furthermore, I demand the immediate detention of the item in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the dispute

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 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: MI

Complaint narrative:
XX/XX/XXXX I went to the atm to take {$300.00} out the atm said the funds were placed in to soon to be able to receive so I left when leaving I noticed XXXX still missing from my account I contacted chime and had it disputed I have waited XXXX weeks with no update and I am being told Ill have wait until XXXX for an update when this occurred in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2025-04-02 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: GA

Complaint narrative:
I submitted this previously and you said I needed to add my SSN card and ID with my address which I have added. 

I am a victim of identity theft and I have filed a report and I would like to have these fraudulent accounts removed from my credit report asap. These are fraud and have prevent me from buying a home. 


I have included my ID and passport with my address along with the identity theft report 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
student loan accounts are showing up on my credit reports and do not belong to me.

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 2025-04-03 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX Request for Debt Validation Dear Sir or Madam, I am writing to request validation of the debt you claim I owe to XXXX XXXX in the amount of {$460.00}, as provided for under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I request that you provide the following information regarding the alleged debt : The name of the original creditor ( XXXX XXXX ) and a breakdown of the debt, including the principal, interest, and any fees. 

Documentation or evidence that shows I am legally obligated to repay this debt. 

Proof that you are authorized to collect this debt on behalf of XXXX XXXX. 

A copy of any judgment related to this debt ( if applicable ). 

A complete payment history, including dates and amounts of any payments made. 

Please be advised that, under the FDCPA, you are required to cease collection efforts until you provide the requested validation. If you are unable to provide proper validation of the debt, I request that you remove this debt from my credit report and stop any further collection activity. 

Please send the requested information to my address listed above. I look forward to receiving the validation within the 30-day period as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: AL

Complaint narrative:
I took out a payday loan via XXXX XXXX. The loan was an allotment loan taken through my job. XXXX XXXX sold the account to Absolute Resolution Investments LLC. I filed a previous complaint through CFPB stating I had contacted this debt collector and ask for proof of debt but no information was provided. After the company responded to my complaint via CFPB, they filed a claim through XXXX XXXX XXXX XXXX court. We went to trial on XX/XX/XXXX, where I provided all documentation that proved the account had been settled. Their attorney stated she had witness my documentation and had no further dispute. From there, the judge ruled in my favor and closed the case. On XXXX XXXX, Absolute Resolution Investment LLC sent a bill still requesting a $ XXXX balance. On XX/XX/XXXX Absolute Resolution Investments LLC filed another small claim case. At that time XXXX XXXX XXXX DENIED the filing and ruled in my favor stating per evidence presented on XX/XX/XXXX the account was paid in full. This debt collector has since failed to stop reporting the account on my credit or cease all attempts of contacting me regarding this balance. I want this account to be CLOSED IMMEDIATELY as well all collections attempts!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The Creditor has not responded to the email I sent asking for a debt validation. But they continue to wrongfully serve my sister who lives in a different state. I have contacted the creditor to make sure they know where I reside.

Company response to consumer: Closed with explanation