vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal and financial information was compromised without my authorization. The FERPA protects the confidentiality of people and students and the records of them. Which was not upheld, my debts, inquiries, collections, late payment and closed accounts should be cancelled in full. 

Data breach Section 605 Code 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MO

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MO

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : 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

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 2025-06-11 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NC

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 explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/year> NCB Management Services , Inc. 
XXXX XXXX XXXX XXXX, PA XXXX Subject : Debt Validation Request for Account Not Belonging to Me NCB File # XXXX Dear NCB Management Services , Inc., I am writing to formally request validation of the alleged debt referenced in your communication to me, as I believe this account does not belong to me. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt and demand proof that I am legally obligated to pay it. 
Please provide the following documentation : 1. Proof that this debt belongs to me, including any signed agreements or contracts.

2. A detailed accounting of the debt amount, including interest and fees applied.

3. Verification of your legal authority to collect this debt.

4. The original creditors name and contact information.

Until proper validation is provided, I request that all collection efforts cease. Additionally, if you find that this debt is indeed not mine, I expect written confirmation that you will remove any inaccurate reporting from my credit files. Failure to comply with this request may result in legal action being taken against your agency. 
Please respond to this request within 30 days of receipt. I look forward to resolving this matter promptly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit 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 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 2025-06-11 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed these fraudulent accounts on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: Aldous & Associates, PLLC
State: AL

Complaint narrative:
XXXX XXXX account name is Aldous and associates {$250.00} they say I have an gym membership that I didnt pay on but XXXX XXXX XXXX I cant even make it in a building let alone off my bed cant no way the account be in my name and I asked them for the contract that I signed but they havent sent me nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, Paypal decided to limit my account. I submitted my drivers license and verification and they still permanently limited me for no reason. They told me to wait for 120 days to withdraw my funds. I waited and now its past the 120 day period. They sent me a message today saying they will not let me withdraw. I have about {$160.00} in the account. They are stealing my money and making up false information to support this behavior. I am attaching my drivers license as proof of identity to this complaint. Paypal needs to allow me to withdraw my funds or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: V and H Portfolio
State: GA

Complaint narrative:
A company named Vance & Huffman LLC with the address XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX and phone number ( XXXX ) XXXX popped up out of the blue on my credit report in XXXX of XXXX for a total of {$4100.00}. I did not know what it was nor did I receive any notice from this company prior to seeing it show up on my credit report. Supposedly they are trying to collect a debt for a predatory loan for a company called XXXX. The original loan they state was made in XXXX for {$1000.00} when I lived in Indiana but I dont recall initiating the loan. They now say they are trying to collect {$4100.00} for the {$1000.00} loan. I have tried multiple times in various ways to get this removed from my credit reports but I have not had any luck. It ends up where the credit bureau investigating the dispute says it meets the requirement of the FCRA. I recently spoke with an attorney in XXXX named XXXX XXXX ( phone ( XXXX ) XXXX ) that works for XXXX XXXX XXXX XXXX XXXX in XXXX, IL and he recently won a case against XXXXXXXX XXXX XXXX XXXXlitigations/conspiracy-and-fraud/zocaloans-lawsuit-predatory-lending/. He stated even if I did initiate a loan with them that it is not legal in the state of Indiana or most states for that matter. It is null and void and should be removed from my credit report and possibly recover compensation for the suffering this ordeal has caused me since it has increased my percentage rate on loans I have taken out since this has shown up on my credit report and also for being turned down for low-interest loans I was not awarded due to this driving down my credit rating. This came about shortly after my wife and I tried applying for a home loan which now this blemish on my credit report has also hindered gaining approval for a low interest small down payment mortgage loan. I would greatly appreciate it if you could investigate this company as it appears to be unreputable and they are attempting to collect on old debts from payday and predatory loans. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: AR

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, XXXX, 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 2025-06-11 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX under the account number XXXX, a credit card account at XXXX  XXXX XXXX XXXX under the account number XXXX, and a collections account twice, XXXX XXXX under account number XXXX and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-11 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: TN

Complaint narrative:
Subject : Repeatedly Disputed XXXX FCU Account Still Inaccurate Equifax Violation of FCRA Date : XX/XX/XXXX Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TN XXXX To Whom It XXXX Concern, This is a formal complaint against Equifax regarding a previously disputed and still inaccurately reported account by XXXX XXXX XXXX XXXX. 

Account Details : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$2200.00} High Credit : {$2200.00} Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Comment : Consumer disputes after resolution Inaccuracies and Violations : XXXX. Continued Inaccurate Reporting After Dispute Despite a previously filed complaint ( ID : [ referenced previously ] ), Equifax has continued to report this XXXXXXXX XXXX  account with the same inaccuracies : Incorrect or unverifiable date of last payment Conflicting payment history ( shows OK while also reporting the account as charged off and XXXX days late ) Misleading notation that the consumer is still disputing after resolution, despite no further documentation being provided. 

FCRA Violations : 611 ( a ) Failure to delete or correct inaccurate or unverifiable information following a dispute.

607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

623 ( a ) ( 1 ) ( A ) Continuing to report information known to be inaccurate.

2. Contradictory Payment History The account shows a charge-off status while still reporting monthly OK payments, creating confusion and lowering creditworthiness.

Equifaxs current status misleads lenders and violates 623 ( a ) ( 2 ) : Duty to correct and update information.

3. Failure to Justify Data Following Prior Dispute No verifiable documentation has ever been provided by Equifax or XXXX XXXX to support the continued reporting of this account. 

XXXX. Equifax XXXX XXXX Equifax was recently fined {$15.00} XXXX by the CFPB for failing to properly investigate consumer disputes and violating FCRA obligations ( Case Reference : CFPB XXXX XXXX ). The ongoing misreporting in this case mirrors the exact type of violation for which Equifax was penalized. 

Requested Relief : XXXX. XXXX deletion of the XXXX XXXX XXXX XXXX account from my Equifax credit report. 
XXXX. Written confirmation that the account has been removed or supporting documentation if Equifax believes continued reporting is justified. 
XXXX. XXXX review and penalty if Equifax is found to be in violation of FCRA or in breach of the XXXX CFPB consent order. 


Thank you for your attention and assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Issue : Capital One ( Kohls credit card ) refused to remove late fees after account was closed. 

Company response : Refused to remove late fees despite customer history and prior courtesy removals. 

Complaint Description : I closed my credit card account in good faith and was not informed that there was a remaining balance. I believed the account was settled. Weeks later, I found out that a small balance had remained, and late fees were added to the account. 

I immediately contacted the credit card company to explain the situation and request a one-time courtesy removal of the fees. I was told the fees could not be removedeven though this company has waived fees for me in the past under similar circumstances. 

I then escalated to a supervisor, who also refused to help. I explained that this situation was unintentional and that I would have paid the balance immediately if I had known it existed. Despite being a responsible customer and having had fees waived before, they refused to make an exception. 

I ultimately decided to pay the full balance, including the fees, to protect my credit. However, I feel this practice is unfair and punitive, especially after the account was closed and no notice of the balance due was provided at the time of closure. 

I am asking for the fees to be refunded and for this situation to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I should not have 22 inquiries on my Transunion credit report. I have 17 on my Experian credit report also have 11 on my Equifax. Looking over everything 13 of the inquiries on my trans union is not mine. 14 inquiries on my experience is not mine and eight on my Equifax is no mine. Only inquiries I should have is the ones that are attached to my credit cards. I have contacted the bureaus and have not gotten a response back. I have also dispute these inquiries and they also have done nothing. So now Im filing with you guys to see if I can get some response back and if not, then I will be filing 15 USC 1681N

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I should not have 22 inquiries on my Transunion credit report. I have 17 on my Experian credit report also have 11 on my Equifax. Looking over everything 13 of the inquiries on my trans union is not mine. 14 inquiries on my experience is not mine and eight on my Equifax is no mine. Only inquiries I should have is the ones that are attached to my credit cards. I have contacted the bureaus and have not gotten a response back. I have also dispute these inquiries and they also have done nothing. So now Im filing with you guys to see if I can get some response back and if not, then I will be filing 15 USC 1681N

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 2025-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Earnest Inc.
State: MA

Complaint narrative:
On XX/XX/year>, I used the " Check your rate '' tool on Earnests website, which was clearly advertised as having no credit impact ( screenshot attached ). I understood this to be a soft credit check only. I did not complete a full application or authorize a hard inquiry. I received an email from Earnest shortly after with the subject line Continue your application, confirming that my application was incomplete and not submitted. 

Despite this, I received a credit denial email that included mXXXX XXXX XXXXXXXX XXXX ( XXXX ) and stated that my credit file was used in the decision, which indicates that a hard inquiry was made without my knowledge or consent. 

As of today, the inquiry has not yet appeared on my XXXX XXXX but based on the email and timing, it is likely pending. This was deceptive and unauthorized. I did not receive loan terms, services, or an account.

Company response to consumer: Closed with explanation