vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
I submitted a formal written disputes to Equifax, XXXX XXXX XXXX on XX/XX/year> via Certified Mail regarding five ( 5 ) charged-off accounts that were inaccurately reported on my credit file. The disputed accounts were : XXXX XXXX XXXX ( Account Number : Not Listed ) XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) The accounts were allegedly treated as canceled debt ; however, I never received IRS Form 1099-C from any of these creditors, which is required for canceled debts over {$600.00}. This reporting is inaccurate and incomplete, violating the Fair Credit Reporting Act ( FCRA ), Sections 609 and 611. 
Despite providing sufficient evidence and requesting a reasonable investigation, Equifax, XXXX XXXX XXXX failed to properly investigate my claims and continues to report these accounts inaccurately. This failure to investigate constitutes a violation of my rights under FCRA 611, and the continued inaccurate reporting harms my financial standing and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have disputed a transaction for a XXXX for {$330.00} because I have not received my merchandise because XXXX deactivated my account for no reason and my order status was unknown and I have not returned the item I paid for which was a XXXX XXXX XXXX from XXXX I disputed that transaction on XX/XX/year> and had to wait almost 2 whole months while I provided crucial evidence where I have not received my merchandise as promised. Even after providing so much evidence, chime just decided finally after 2 whole months that my claim was invalid and no billing error occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I am filing a compliant again Mohela due to errors in my student loan account. I understood that during the COVID forbearance period would count towards the PSFL program. I have worked for the same non-profit university for 12 years. From XXXX XXXX XXXX I was in forbearance due to study. Outside of my forbearance periods, I have made direct withdrawal payments towards my loans. I have consistently kept up with the annual employment verification requirements, however the payments made towards forgiveness seem to have been miscalculated. 
As the COVID forbearance was being lifted my payments went from XXXX XXXX to over $ XXXX although I am now a single parent household. Due to court issues being held up, I only made one or two payments and then was put into administrative forbearance. I ask that this entire time be considered during my forgiveness count. 
I ask that the periods of forbearance since XX/XX/year> be reviewed and recalculated to count towards my forgiveness count including COVID and administrative forbearance. Ideally, the loan would be forgiven entirely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive submitted this dispute multiple times regarding an account on my credit report that I firmly believe contains inaccurate and incomplete information. Despite my consistent efforts, the issue has not been resolved, and the incorrect data remains, suggesting that a proper investigation has not yet been carried out. 

This ongoing matter has caused me significant emotional strain and is now affecting my day-to-day life. The lack of resolution has left me feeling discouraged, frustrated, and mentally exhausted. 

To be absolutely clear, I am submitting this dispute on my own behalfno third party is involved. I am respectfully requesting a thorough and fair review as soon as possible. 

Thank you for your time and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
This is the second time XXXX reaching out because Ive been a victim of identity theft, and its honestly been so overwhelming. Ive been trying to get this resolved, but nothing seems to be happening. According to the law, the credit bureau is supposed to remove any items or charges that were opened in my name without my permission, but so far, I havent seen any action. Its been a real struggle, and its impacting my life in so many ways. XXXX stressed because my credit is being ruined by things I didnt even do. I cant get approved for credit or loans because of these fraudulent items on my file, and it feels like XXXX just stuck in a cycle XXXX cant get out of. Ive already sent in the necessary proof to show that these accounts arent mine, but the credit bureau is still not taking them off. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
I am formally disputing inaccurate and unauthorized information currently appearing on my credit report. In violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ), my personal information was reported without my express written consent, resulting in accounts not linked to any transactions I have made. This may constitute identity theft under 15 U.S.C. 1681c-2. I request an immediate investigation and correction to restore the accuracy and integrity of my credit file as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: AZ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MI

Complaint narrative:
Ed financial student loan. I had consolidated what I thought was all of my student loans and have been paying on them for XXXX years ( {$580.00} ) a month. Apparently there was one not lumped into that and I missed payments on it marking it as a delinquent account as of yesterday and destroying my credit. They only attempted to reach me via email which is unacceptable considering I no longer access the email they tried reaching me at so I had no way of knowing about payments needed on this loan until my credit got destroyed. I am willing to pay this loan off in full * in order for this to be removed from my credit history and report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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 owe less than {$10.00} on a purchase. I return an item as part of that purchase which reduced what I owed. I paid the reduced amount. I was issued a late payment on my credit report but I never received an actual late notice from the company ( in this case XXXX XXXX credit ). My statement balance was zero when I received my next statement. Had I paid the amount owe, I would have had a credit balance because of the returned item. I was very surprised to get a late notice on such a low amount, especially since my payment history was very good. The credit service and the credit card company has not provided proof that my account was late. Thanks

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 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Thaxton Investment Corporation
State: MO

Complaint narrative:
Got a loan for a bike for XXXX ended up deleting a warranty I bought with it which lowered my overall balance but not my monthly balance, pretty sure that was added back on or never removed then when they sold the bike at auction they wouldnt tell me how much they sold it for and now my balance is $ XXXX and they just keep adding to it! This has been closed since XXXX  ( was supposed to be ) I called them years later cause they kept reporting it to my credit and my credit always goes down because of them. They told me they must of forgot to close it and finally closed it after I had to dispute it. Still never told me the actual balance that was left on the bike after it was sold and they are still adding like {$300.00} every month in la tree fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
Accounts listed are outdated incorrect reporting and obsolete which should be removed immediately from my credit profile.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. 

Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify account that was opened fraudulently and which I have already disputed with appropriate documentation.

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXXXXXX 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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To whom it may concern, I am filing this complaint against Midland Credit Management XXXX XXXX XXXX XXXX for their ongoing attempts to collect an alleged debt without providing the legally required documentation to validate the claim. Their conduct violates multiple federal and state laws, including the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and the XXXX XXXXXXXX Fair Debt Collection Practices Act ( XXXXXXXX XXXX XXXX XXXXXXXX ). 

Upon initial contact from Midland, I exercised my right to request validation under 15 U.S.C. 1692g ( b ). To date, they have failed to provide the basic documentation necessary to prove the validity of this alleged debt, yet continue to pursue collection. Specifically, they have not provided : A signed contract or original credit agreement bearing my signature ; The entire chain of assignment, including the forward flow agreement and bill ( s ) of sale that clearly show how and when Midland acquired this debt from the original creditor ; A detailed itemized accounting of the alleged amount owed, showing how the balance was calculated ; Proof that the debt is within Californias statute of limitations ( which is four years for written contracts, per XXXX XXXX XXXX XXXX XXXXXXXX ) ; Any notices or disclosures showing that I was properly informed of the debt transfer or sale. 
Midland has also either reported or threatened to report this alleged debt to consumer credit reporting agencies. Under 15 U.S.C. 1681s-2, it is illegal to furnish data that can not be verified. Reporting unverifiable debt is not only inaccurateit damages my credit and constitutes a serious violation of federal law. 

This behavior is a textbook case of aggressive junk debt collection. Midland routinely files lawsuits or makes collection demands without possessing the documents necessary to prove legal standingexpecting consumers to either pay or fail to respond. This is deceptive, abusive, and designed to exploit those who are unaware of their rights. 

I respectfully request that the CFPB : Conduct a full investigation into Midlands collection practices ; Demand that Midland cease all collection activity unless and until they can provide full validation ; Ensure that no credit reporting related to this account remains unless it is fully substantiated ; Enforce penalties where violations are found. 
Please find attached supporting documents, including my dispute and validation request, and copies of any correspondence Ive received. I am prepared to escalate this further through the XXXX and FTC if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: MI

Complaint narrative:
According to a fair credit reporting act Im entitled to a fair and accurate consumers report. Upon sec 15 usc 1666b ( late payments ) Equifax is in violation of of FCRA laws please correct ( XXXX XXXX  XXXX ) to ( PAANL ) Payed As Agreed Never Late. There are XXXX inaccurate late Payments reporting to equifax and Transunion this historic information has been disputed several times

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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
They block transactions, saying they don't allow that type of transaction. It is not their right to tell me how to spend my money. Then the make you send messages and links to you phone and tell you hold your card to the phone. Leaving you there looking like a crazy person for nothing that didn't work then you have to have a text message sent with a code to your phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IN

Complaint narrative:
Accounts listed are outdated incorrect reporting and obsolete which should be removed immediately from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TN

Complaint narrative:
I signed up for XXXX XXXX from XXXX. They went bankrupt and never finished my treatment. I have an email from the financing company, adknowleging that service was not rendered. However, they are trying to collect this debt for services not rendered. They put a collection notice on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 


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