vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX Aidvantage is reporting late payments on my accounts that need to come out. I was enrolled in school and these accounts were not set to come out of deferment for some time and suddenly they were due and I had no notification of this. I was under the impression I had a few more months. I got current as soon as I figured it out with no help from Aidvantage. I ask they please make the adjustments on my credit as the accounts are current and a plan has been set in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

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 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provided Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MO

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a complaint against TD BANK N.A. for furnishing inaccurate and/or unverifiable information to the credit reporting agencies. This account is being reported despite multiple disputes and no proper documentation has been provided to support its accuracy. The data furnisher is in violation of the Fair Credit Reporting Act ( 15 USC 1681s-2 ) for failing to conduct a reasonable investigation and continuing to report information that is not properly verified. I am requesting immediate removal of the account and full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX is reporting a late for XXXX of 2022 that needs to be removed. I had previously disputed with directly with XXXX and the bureaus and it had been removed. This account was set up on auto pay and suddenly without my knowledge it was cancelled. I then called XXXX and got the account paid off and shortly after they closed my account. I had reached out and had this corrected and suddenly last week on my credit I noticed a huge decrease in scores. As it turns out XXXX went back in and put the late on my credit report once more despite this not being my fault and being fixed years previously! This needs to be fixed and removed immediately.

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 2025-05-14 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
XX/XX/XXXX Robinhood froze my account and Im unable to withdraw, transfer use my credit card or debit card. I contacted support and they wont give me a reason why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX. 
Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, ina
ccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
TransUnion has ignored providing me with proof or evidence, only justification papers not really showing proof of my transaction that they are claiming are 30 day late. 
Transunion XXXX XXXX is designed to keep consumers paying these big finiancial instutution getting paid more on interest then experian who uses different calculation that a fair compared with Transunion or Equifax, now equifax is using the same system of vanguard XXXX to charge consumers more interest and they make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
TransUnion has ignored providing me with proof or evidence, only justification papers not really showing proof of my transaction that they are claiming are 30 day late. 
Transunion XXXX XXXX is designed to keep consumers paying these big finiancial instutution getting paid more on interest then experian who uses different calculation that a fair compared with Transunion or Equifax, now equifax is using the same system of vanguard XXXX to charge consumers more interest and they make more money.

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 2025-05-14 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: PA

Complaint narrative:
I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported. The consequences of your company 's non-compliance with relevant laws have had severe negative impacts on both my credit standing and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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 recently reviewed my credit report and was shocked to find a hard inquiry that I did not authorize. This inquiry was done onlinewithout my knowledge or consentand it is completely fraudulent. 

I want to be absolutely clear : I did not initiate this, I did not approve it, and I had no part in this inquiry being made. It should have never appeared on my report in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I recently review a copy of my credit report and notice I had a couple of fraudulent accounts on my report. 

LVNV Funding, LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX is trying to collect these accounts that are not mine. 

Account # XXXX and Account # XXXX I reached out to the debt collector with a debt validation letter on XX/XX/XXXX via certified mail. XXXX tracking XXXX. They received my debt validation letter on XX/XX/XXXX. In the letter, I requested that they validate these debts. It has been over XXXX  days now and I have not been updated on these accounts and the accounts are still being reported on my Transunion account. This is negatively affecting my ability to get credit. 

According to Cushman v Transunion 1997, Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY This account violates these laws : 15 USC 168li. 15 USC 1681s2. 15 USC 168li5z 15 USC 1681eb. 

Please help me remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My account was compromised is XXXX due to fraud I called them to issue stop on payment they told me to contact my bank my bank returned payments due to fraud however I paid my balance recently then there was a change to kohls with capital one merger I attempted to pay in store they couldnt locate my account I thought weird Im thinking I didnt activate the new card they sent so upon trying to activate my new card last month they tell me my card was sent in error an account was closed but yet they continue to send activation links for the same card they damaged my XXXX XXXX then have the nerve to tell me I have a due date after closing my account they are charging me fees this has been awful an businesses practices unfair as a consumer I had this card XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Southwest Stage Funding
State: TX

Complaint narrative:
Borrower Name : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Loan Type : XXXXXXXX XXXX Date of Incident : XX/XX/2025 Lender : Cascade XXXX  : XXXX XXXX XXXXXXXX, TX Summary of Concern XXXX On XX/XX/, I was asked to sign documents stating my manufactured home construction was complete, so XXXXXXXX XXXX could receive the final disbursement of funds from my FHA-backed construction loan. They offered me a {$10000.00} check in exchange for signing, even though the work was not complete. 

A woman was present during the signing but : Did not identify herself as a notary, Did not request my identification, and Did not notarize the documents in my presence. 

I later discovered those documents were notarized after I signed, without my knowledge or acknowledgment. This was done solely to trigger final payment from the lender, in violation of FHA procedures and Texas notary law. 

Relevant Violations : 1. Texas Government Code 406.016 Notarization must be done in person, with signer acknowledgment and ID verification.

2. Texas Penal Code 37.10 It is a Class A misdemeanor to knowingly execute a false certificate.

3. HUD/FHA Loan Requirements Final disbursement of funds should only occur after valid inspection and certification that the home is complete. 
Use of an improperly notarized completion certificate undermines the FHA loan process and may amount to mortgage fraud. 

Request for Investigation : I respectfully request that the following agencies investigate this matter : Texas Secretary of State Notary Unit ( for misconduct by the notary ) HUD Office of Inspector General ( for improper use of FHA funds and borrower coercion ) My FHA Lender ( for any improper funding/disbursement based on incomplete or falsely certified work ) Sincerely, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my 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 2025-05-14 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: NC

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my 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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
XXXX XX/XX/2025, About XXXX. Called XXXX credit card XXXX about Maintenance Fee. First person didnt know. Called again, second person didnt know. My problem is they keep asking for my " full social security number ''. I cant seem to get past that so ill pay the {$15.00} a month Maintenance Fee that I some how missed reading. I never in my life got ahold of someone that lives XXXX or speaks ok English to understand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-14 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: 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 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 2025-05-14 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was XXXX XXXX  from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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