vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.R XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Late Payment Reporting Request for Immediate Correction Equifax Report Number : XXXX Account : XXXX XXXX XXXX ( Account ending in XXXX ) Dear Equifax Dispute Department , I am writing to dispute inaccurate information reported on my credit file ( Report No. XXXX ) regarding my closed XXXX XXXX XXXX account ending in XXXX. 
According to the report, there are late payments recorded for this account. However, after carefully reviewing my payment records, I can confirm that I was never late. I consistently made all payments on or before the due date. I am requesting that these late payment entries be immediately investigated, corrected, and updated to reflect an accurate, positive payment history.

Additionally, pursuant to 15 U.S.C. 1666b ( Timing of Payments ) under the Truth in Lending Act, it is required that : If a creditor requires that payments be made by a particular due date, a creditor shall not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement is mailed or delivered at least 21 days before the payment due date. 
Given that XXXX XXXX XXXX reported this account as PAID_AS_AGREED and PAID_AND_CLOSED with a {$0.00} balance and no past due balance at the time of closure, these late payment notations are inaccurate and damaging to my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is incorrect. I respectfully request the following action : Remove the inaccurate late payment notations Update the account status to reflect a perfect payment history Notify me in writing once the correction is complete For your convenience, I have enclosed a copy of the credit report page showing the disputed account and highlighted the inaccurate entries. 
Thank you for your prompt attention to this matter. I expect this error to be corrected within the 30 days allowed under the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: ID

Complaint narrative:
On XX/XX/year>, got a email from my bank, that they suspect some fraudulent transactions was made on my account, and they send a text as well. I call and inform my bank that these transactions was fraudulent, and they say they suspect that, and they was able to stop several of the transactions, however, they was not able to stop one of them. They advise that I would have waited until it posted to my account, and I could dispute it at this time, at this time, I dispute that transaction, I got a letter back XXXX day later say because I have previous transaction with XXXX, that I was out of luck. I was told by them to resolve the issue with XXXX. I have reached out to XXXX, and I was told that it was payment processing issue, and not a issue with my account then I would need to dispute the transaction with my bank, at this time, I reached out to my bank to fix the issue, and I was told that i out of luck, and I could not do anything, and they have closed my dispute and would not let appeal the decision or give me other options to resolve this issue. They are refusing to let me to speak to some their fraud department to resolve this issue, I believe that this issue could be resolved, if someone at this bank, would respond to my call., since this bank does not have branch that I can reach out to, I have to rely on customer support agent that are not based in the U.S

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 2025-04-25 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am writing to formally submit a complaint regarding ongoing issues with my Apple Card account that remain unresolved despite my previous complaint and communications with Apple Support. 

On [ XX/XX/year> CFPB # XXXX ], I initially reported issues with my Apple Card account, which resulted in Apple replacing my card and reinstating my account. However, since then, I have been unable to activate my account and add the card to my Apple Wallet.

* * Details of the Current Issue * * 1. * * Duration of the Problem * * : I have been trying to activate my account and add my Apple Card to my Apple Wallet for over two months.

2. * * Communication with Apple Support * * : I have contacted Apple Support numerous times regarding this issue. Each time, I was informed that my case would be escalated, but the problem remains unresolved.

3. * * Specific Instructions Followed * * : One agent requested that I update my iPhone to the latest software version, which I did. Despite this, I am still unable to activate my account or add my card.

4. * * Impact of the Issue * * : This ongoing issue has caused significant frustration and inconvenience, as I am unable to use my Apple Card for purchases.

* * Request for Assistance * * I am requesting your assistance in resolving this matter. I would like to know if there are further steps I can take to expedite the resolution of my issue with Apple Card. Additionally, I would appreciate any guidance on how to ensure that my concerns are addressed effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I subscribed to a CapitalOne VISA card and, recently, had a situation where I was scammed by a merchant - the merchant did not provide me with any services they promised after charging my credit card. After the transaction and when I realized I was scammed, I reached out to CapitalOne and they advised me to let the transaction go through and they will deal with this through the dispute process. I opened a dispute after a few weeks. 

Now that I have submitted all the evidence - CapitalOne has ruled the dispute in merchant 's favor saying I made the authorization and merchant has provided the proof for the authorization. I have tried to argue to CapitalOne customer service that, while I authorized the payment, the merchant failed to provide the service ( an airline ticket ). CapitalOne response has been that, I should reach out to merchant and get the refund- but the point here is the merchant is fraudulent and evasive, I and ( XXXX CapitalOne customer service XXXX ) have tried multiple times but are unable to speak with the merchant. 
CapitalOne final response has been pretty much that they are not liable for protecting me in this scenario. 

Whereas my credit card agreement does say of protection against online frauds and problems/issues with product and services delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
I believe one of my cousins used my info to open up these accounts, I would really like to get these removed from my credit because they are not mine.

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 2025-04-25 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-04-25 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: AL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-25 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:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: NC

Complaint narrative:
I would like to file a complaint against XXXX XXXX and Healthcare Finance Direct. They sent my account to collections despite knowing that the company I was with, XXXX XXXX XXXX, went bankrupt. I did not receive the full services that were promised to me, and as a result, I was left with a debt that I believe is not my fault. I feel that there has been a breach of contract, and I am seeking a resolution to this problem. I do not believe I should be held responsible for this debt since I did not receive the services as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: GA

Complaint narrative:
XXXX XXXX  ( division of MidFirst Bank ) continues to engage in unlawful collection practices on a disputed mortgage account without proper validation. 

Despite my formal debt validation demands under the FDCPA and FCRA, XXXX refuses to provide legally sufficient proof of ownership, including a wet-ink original note, endorsement chain, and notarized documentation of standing. Their response merely recycles PDFs of previously disputed documents, which do not satisfy the validation requirements under 15 U.S.C. 1692g. 

XXXX incorrectly claims exemption from the FDCPA because they " own '' the loan. However, the loan was in default at the time of acquisition, making them a " debt collector '' under XXXX XXXX XXXX XXXX, XXXX and related federal precedent. 

XXXX also refuses to provide proof of licensure or XXXX credentials for debt collection enforcement in XXXX. Meanwhile, they continue negative credit reporting and written collection efforts in direct violation of 15 U.S.C. 1692g ( b ) while the debt remains unvalidated.

Midlands conduct is deceptive, abusive, and undermines fundamental consumer rights under federal law. Immediate regulatory enforcement is required.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

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

# # # Complaint details 1. Illegal Credit Reporting- The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education .

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-04-25 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XX/XX/XXXX, I checked my credit score. Usually it is in the high 700s, but it had dropped to like XXXX  a couple days prior. I checked my report, and it was a collections notice from my old apartment complex, XXXX XXXX, that we lived in and moved out of in XX/XX/XXXX. The debt collection company listed on the collections on my credit report is National Credit Systems. It states that the account was opened in XXXX of XXXX, and went to collections in XXXX of XXXX. The charges are for {$6000.00}, and we have never received any kind of notice about these charges. We dont know what theyre for. We emailed them on XX/XX/XXXX asking for debt verification to both the debt collector and the apartment complex, and we never received a response. The last thing we heard from the apartment was them trying to take us to court for eviction in XXXX of XXXX, even though we had moved out 6 months prior to that notice. It was later deemed a mistake. I have disputed this account on XXXX, and it has been verified. However, we cant get any form of contact either from the debt collector nor the original apartment complex. We never missed a single rent payment nor were we ever even late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MD

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2025-04-25 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief