vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XX/XX/year> CREDIT COLLECTION SERV XXXX, MA XXXX Subject : Debt Validation Request Dispute of Debt Dear [ Debt Collector 's Name or To Whom It May Concern ], I am writing in response to a collection notice I received regarding an alleged debt with the account number XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt.

Specifically, I dispute the amount being claimed and the reported open date of this account. I do not acknowledge ownership of this debt and am requesting that you provide the following documentation to verify its validity : 1. The name and address of the original creditor.

2. A copy of the last billing statement from the original creditor, showing the amount due and the date it was due. 
XXXX. A complete payment history, including all interest, fees, and other charges added. 
XXXX. A copy of the signed agreement or contract that gives you the authority to collect this debt. 
XXXX. Proof that you are legally authorized to collect debts in my state. 
Until this information is provided, I request that you cease all collection efforts and remove any related entries from my credit reports. If you are unable to provide sufficient validation, you are required by law to delete this account and cease all further contact. 
Please consider this letter a formal dispute of the alleged debt. I request that all future communications be made in writing only. 
Sincerely, XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> i purchased pet in cabin fee for {$150.00} on XXXX XXXX. Animal ticket was issued, account charged. But in 2 days ticket was cancelled and money returned back. XXXX blamed bank, bank blamed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Name, birth date, address, and employment is wrong.

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 2025-05-07 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: Freedom Mortgage Company
State: WY

Complaint narrative:
FREEDOM MORTGAGE Subject : CARES Act Violation During Mortgage Forbearance Freedom Mortgage is reporting multiple 30- and 60-day late payments during a period when I was under an approved forbearance agreement due to COVID-19 hardship. Under the CARES Act ( Section 4021 ), mortgage accounts in forbearance must be reported as current if they were current prior to the relief. I have provided written dispute letters, but no correction has occurred. I request that the CFPB review this matter for compliance with both the CARES Act and FCRA.

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 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
8 months ago I opened secure credit card with CapitalOne. So, everything was normal during 8 months, but someone do something nasty probably from the brunch and closed the account with no reason, they dont say her name on the phone, but they confirmed it. 
So, for now i have my own money XXXX $ as was secure plus i have negative-positive balance XXXX XXXX I was in the brunch they did not give me even my XXXX , they used for her self %. Customer service is terrible, 1 person said 10 days, 2 person 2 months, 3 person said 3 month, 4 person said go to the brunch and get the money. I think it's not bankers who work there, but someone from the street without an education My account is now closed or restricted, it is not clear. They don't give me my own money. I will go to court and claim that they are stealing clients money and using it for personal purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C.
State: IA

Complaint narrative:
The company has implemented severe actions to garnish my wages without any prior notification, resulting in considerable financial distress. The debt I owe has now increased significantly due to an additional garnishment, making this situation feel like theft, as it is illegal to pursue a debt that has not been officially acknowledged. I contacted XXXX and Gurstel Law Firm P.C using the number provided. After a lengthy hold, I decided to hang up and try other options in the menu, only to be redirected back to the same unanswered line. Frustrated by this experience, I have filed a complaint with the Attorney General of XXXX. There are numerous complaints online regarding this issue, not only against them but also against the other company garnishing my wages. Many individuals have reported not receiving any notifications. Some assert they have never held credit cards, while others have settled debts previously, and many are simply trying to make payments to stop these excessive garnishments. XXXX and Gurstel Law Firm P.C are frequently cited as names associated with these so-called law firms or filing companies. The Federal Trade Commission is suing Firms and companies just like this for going after old debt and fantom debt. They pass themselves off as Law firms working for debtb collecting company but are themselves also debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am filing this complaint to report that American Express is willfully and negligently furnishing inaccurate and derogatory information regarding my account ( ending in XXXX ) to one or more consumer reporting agencies, which is a violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ).

Specifically : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

FCRA 623 ( a ) ( 7 ) mandates that a notice be provided to the consumer if negative information is being furnished to a credit bureau. I never received any such notice.

FCRA 623 ( a ) ( 8 ) entitles me to dispute this information directly with the furnisher. I did so in writing, providing clear explanation and requesting documentation, but the account remains improperly reported.

I have repeatedly asked American Express to : Validate and verify the legitimacy of this account, including documentation bearing my signature.

Correct the open date and other inconsistencies. 

Remove the account if it can not be fully and legally verified. 

Despite my formal dispute dated XX/XX/scrub> 2025, American Express has failed to provide documentation to support its continued reporting. I have not received a valid response within the 30-day time frame as required by FCRA 611 ( a ) ( 1 ) and 623 ( a ) ( 8 ) ( E ). This delay and lack of documentation is a violation of my rights under the FCRA.

This inaccurate and unverified reporting has caused substantial harm to my credit score and denied me access to financial opportunities. I am requesting the CFPB to investigate this matter and compel American Express to : Provide all legally required documentation and a method of verification for the reported account ; Immediately delete the disputed item from my credit reports if it can not be 100 % verified ; and Issue written confirmation of their findings and actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: IL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: One Source Technology
State: MI

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with XXXX XXXX XXXX XXXX there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 2025-05-07 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 non-monetary relief
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
Subject : Discrepancies in XXXX  Account Reporting FCRA Violations To Whom It May Concern, I am writing to formally dispute several discrepancies in my XXXX  account ( Account Number : XXXX ) as reported on my credit report. After reviewing the account, I believe the following issues are in violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting immediate correction or removal of the inaccurate information. 

Inconsistent Last Payment Date The XXXX account shows the last payment date as XX/XX/year>, which does not align with the actual payment made. According to Section 609 of the FCRA, creditors are required to report accurate and verifiable information. If XXXX can not provide proof of this payment, this inaccurate data should be removed from my credit report. 
Overstated Minimum Payment The minimum payment listed as {$410.00} for a balance of {$340.00} is incorrect. Section 611 of the FCRA mandates that if any information is found to be inaccurate or unverifiable, it must be corrected or deleted. I request that XXXX provide proof of this minimum payment or adjust the amount to reflect the correct figure. 

Inconsistent Reporting of Balance and Highest Balance The highest balance listed as {$1900.00} does not correspond to the current balance of {$340.00}. According to Section 609 of the FCRA, any information that can not be verified must be deleted or corrected. I request that XXXX provide an explanation or revise the reporting of these figures. 

These inaccuracies and violations of the FCRA have a direct impact on my credit score and financial well-being. I am requesting the following : An immediate investigation of these discrepancies. 

Correction or removal of any unverifiable information. 

If XXXX can not provide accurate documentation to support these discrepancies, I request that these items be removed from my credit report in accordance with the FCRA. 

Please acknowledge receipt of this complaint and inform me of the steps being taken to resolve this issue within the 30-day investigation window.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
In my written dispute dated XX/XX/XXXX, I challenged the following categories of data : XXXX. Personal Information Violations : Incorrect Name : LexisNexis is reporting XXXX XXXX instead of my full legal name XXXX XXXX XXXX. 

Incorrect Date of Birth : My birth year is inaccurately reported as XXXX without the full legal XXXX. 

Incorrect Address : The address XXXX XXXX XXXX, XXXX, MI XXXX is misrepresented or improperly filed. 

These inaccuracies constitute violations of : 15 U.S. CXXXXe XXXXe ( b ) failure to maintain maximum accuracy. 

15 U.S. CXXXXe XXXXi ( a ) ( XXXX ) failure to reinvestigate upon dispute. 

XXXX. Derogatory Account Reporting : LexisNexis XXXX is reporting derogatory or disputed tradelines from the following institutions without proper verification or Metro 2 compliance : XXXX XXXX XXXX XXXX Acct ending in XXXX and XXXXXXXX XXXX XXXX XXXX XXXX BANK XXXX Acct ending in XXXXXXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX BANK Acct XXXX XXXX XXXX XXXX Acct ending in XXXX XXXX XXXX Acct XXXX  XXXX I requested validation of account ownership, documentation of delinquencies, and full compliance with Metro 2 data formatting. To date, no response or documentation has been provided. This violates : 15 U.S.C. XXXX ( b ) duty of furnishers to investigate and correct disputed information. 

15 U.S.C. XXXXi ( a ) ( XXXX ) deletion required if information can not be verified within XXXX days. 

XXXX. Unauthorized Inquiries : Inquiries by XXXXXXXX XXXX on XX/XX/XXXX and XX/XX/XXXX were reported without any permissible purpose. These actions violate : 15 U.S.C. XXXXb access to consumer reports is strictly limited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: MS

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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My navy federal account was placed on hold .still gaining interest for bank but they won't close my account and give me my money. I had XXXX in my savings and they sent me a check for that .. why not my checking account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
This letter constitutes a formal dispute regarding one or more entries currently appearing in my credit file. Under the Fair Credit Reporting Act 611 ( a ), Equifax is legally required to conduct a reasonable reinvestigation of any disputed item and correct or delete information that is inaccurate, incomplete, or unverifiable.

The information listed is inaccurate and has caused significant harm. Please note that in XX/XX/year>, the CFPB fined Equifax {$15.00} XXXX due to systemic failures in dispute processing, including neglecting supporting documentation and permitting the reappearance of deleted data. ( * See CFPB enforcement action, XX/XX/year> * ) I am requesting : 1. Immediate deletion or correction of the disputed accounts.

2. A full description of the procedures used to verify the disputed information, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Written notice ofyour findings within the 30-day period allowed by law. 


DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX & DEPT OF EDUCATIONXXXX XXXX

Company response to consumer: Closed with explanation