vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: OK

Complaint narrative:
I am writing to formally dispute the collection account that Regional is reporting to the credit bureaus regarding an alleged debt. Upon recently reviewing my credit reports for the intention of purchasing a home, I was shocked to find this collection listed. I have no knowledge or record of ever holding an account with this company, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law. I am hereby requesting that you immediately remove this collection account from all consumer credit reporting agencies ( XXXX XXXX  and XXXX  ) as it is unverified and disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Synovus Bank
State: CO

Complaint narrative:
I applied for a credit card XX/XX/. I gave a {$1000.00} deposit for a secured credit card, I did receive an email saying they received my money. Almost 4 weeks pass and Ive heard nothing. I called and spoke to a supervisor after the initial customer service agent was unable to see that I paid the {$1000.00}. The supervisor was also unable to see payment and requested I send my bank statement and proof they had taken the money from my account, but then stated we dont recommend sending information over e-mail yet proceeded to ask me for the information over e-mail Ironically, 3 days later I was refunded my {$1000.00}, however I received zero follow up from the company as to why the money was refunded instead of sending a physical card. If my application was denied ( which is odd because it was my money ) Id understand, but there was no follow up whatsoever. Ive seen other reviews stating a similar experience, sending money for a secured card, and not receiving the physical card OR refund. This is very shady and I worry XXXX  or those with memory issues may have fallen for a scam credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-15 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: VA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-08-15 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: DE

Complaint narrative:
Delete all inaccurate late payment entries for the accounts listed ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ) as they were paid on time and no proper billing notice was provided. This is a billing error under 15 U.S.C. 1666B and a violation of FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i ( a ). Provide a corrected credit report with written confirmation within 15 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP
State: TX

Complaint narrative:
What Happened : Capital Management Services is attempting to collect a debt that they claim was purchased from XXXX XXXX. I have not received any lawful debt validation as required under FDCPA 15 U.S.C. 1692g ( b ). To date, they have not provided : A copy of the original signed agreement between myself and XXXX XXXX. 

Documentation showing the chain of title proving legal ownership of the debt. 

Any proof that I gave written consent for XXXX XXXX to sell or transfer my account to them. 

This account was sold without my knowledge or permission, in violation of GLBA 15 U.S.C. 6801 ( privacy of nonpublic personal information ). At the time of this transfer, I was under significant medical hardship. No consideration was given to my situation.

Additionally, continuing to collect on an unvalidated debt is a violation of FDCPA 15 U.S.C. 1692e ( false or misleading representation ) and 1692f ( unfair practices ). Reporting this debt to the credit bureaus without proper validation may also violate FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to investigate disputes and ensure accuracy.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: AZ

Complaint narrative:
I am filing this complaint because my credit reports from Experian, Equifax, and TransUnion contain inaccurate, misleading, and noncompliant reporting of repossession accounts from XXXX ( formerly XXXX ) and XXXX XXXX  XXXX. 

The accounts in question are : 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  These accounts are reported in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Guidelines for the following reasons : 1. Inconsistent and conflicting Date of First Delinquency ( DOFD ) FCRA 623 ( a ) ( 5 ) requires furnishers to accurately report DOFD to determine the correct 7-year reporting period. My reports show different DOFDs across bureaus for the same account.

2. Balance reporting after repossession in a misleading manner Once a repossession is complete, balances should reflect a lawful deficiency amount, not an indefinite past-due balance. These accounts show the same static balance every month since repossession, creating a false impression of ongoing delinquency, in violation of 607 ( b ) ( maximum possible accuracy ).

3. Repeated derogatory coding Metro 2 standards require R ( repossession ) codes to reflect the actual month the repossession occurred. Instead, the furnishers are repeatedly coding R every month for years, which artificially extends derogatory impact and misrepresents the account history.

4. Failure to provide proper verification I requested original contracts, repossession notices, deficiency balance calculations, and payment history ledgers pursuant to FCRA 609 and 611. None have been produced. Without proper documentation, the reporting is unverifiable and should be deleted.

5. Incomplete and inaccurate Metro 2 coding Status codes, payment ratings, and special comments are not aligned with Metro 2 standards, violating 623 ( a ) ( 1 ) ( A ). 

Consumer harm : These inaccurate and prolonged derogatory reports have severely damaged my creditworthiness, causing denial of credit, higher interest rates, and reputational harm. The repeated XXXX  and Repossession codes for years create the false appearance of multiple repossessions and misrepresent my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing this complaint because my credit reports from Experian, Equifax, and TransUnion contain inaccurate, misleading, and noncompliant reporting of repossession accounts from XXXX ( formerly XXXX ) and XXXX XXXX  XXXX. 

The accounts in question are : 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  These accounts are reported in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Guidelines for the following reasons : 1. Inconsistent and conflicting Date of First Delinquency ( DOFD ) FCRA 623 ( a ) ( 5 ) requires furnishers to accurately report DOFD to determine the correct 7-year reporting period. My reports show different DOFDs across bureaus for the same account.

2. Balance reporting after repossession in a misleading manner Once a repossession is complete, balances should reflect a lawful deficiency amount, not an indefinite past-due balance. These accounts show the same static balance every month since repossession, creating a false impression of ongoing delinquency, in violation of 607 ( b ) ( maximum possible accuracy ).

3. Repeated derogatory coding Metro 2 standards require R ( repossession ) codes to reflect the actual month the repossession occurred. Instead, the furnishers are repeatedly coding R every month for years, which artificially extends derogatory impact and misrepresents the account history.

4. Failure to provide proper verification I requested original contracts, repossession notices, deficiency balance calculations, and payment history ledgers pursuant to FCRA 609 and 611. None have been produced. Without proper documentation, the reporting is unverifiable and should be deleted.

5. Incomplete and inaccurate Metro 2 coding Status codes, payment ratings, and special comments are not aligned with Metro 2 standards, violating 623 ( a ) ( 1 ) ( A ). 

Consumer harm : These inaccurate and prolonged derogatory reports have severely damaged my creditworthiness, causing denial of credit, higher interest rates, and reputational harm. The repeated XXXX  and Repossession codes for years create the false appearance of multiple repossessions and misrepresent my payment history.

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 2025-08-15 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 The accounts that are included in my attachments and are seen on my credit report.

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 2025-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
My federal loans were placed in administrative forbearance under the XXXX injunction in XXXX. Per XXXX XXXX XXXX, no interest was to accrue through XX/XX/XXXX and interest would begin on XX/XX/XXXX. 

Despite this, my balance grew from about {$34000.00} in XX/XX/XXXX to {$39000.00} by XX/XX/XXXX, indicating interest accrued during the 0 % period. 

MOHELA acknowledged in writing that interest should not accrue during this forbearance and that any such interest would be removed before the XX/XX/XXXX deadline, but they have not corrected my account : XX/XX/XXXX : MOHELA letter stating no additional interest accruing during this forbearance and that accounts would be updated. 

XX/XX/XXXX : MOHELA messaged via their secure message system and reiterated that interest should not accrue and would be erased, but no timeline. 

XX/XX/XXXX : I sent an Urgent message requesting audit, correction, and a timeline. No resolution after more than XXXX  days. 

XX/XX/XXXX : Interest restarted per XXXX  ; MOHELA still has not corrected the preAug XXXX interest. Their site now states updates may not reflect until after XX/XX/XXXX. 

XX/XX/XXXX : Message Mohela, again, after no response requesting an update and advising that I've filed a complaint with the XXXX and XXXX XXXX XXXX. 

I am ready to resume repayment, but I refuse to pay toward an inflated balance that includes improper interest. The ongoing inaction is preventing me from budgeting and risks improper capitalization or misapplied payments. 

I have already filed with XXXX XXXX XXXX and the XXXX Ombudsman XXXX. I am requesting CFPB assistance to obtain a timely, written correction so I can make payments on an accurate balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-15 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: NC

Complaint narrative:
The XXXX credit bureaus are reporting inconsistent and conflicting information for the same XXXX XXXX account ( # XXXX ). This violates the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be accurate and verifiable. 

Errors : - Payment Status : TransUnion reports Current, Experian reports Late XXXX  Days. 
- Closure Reason : TransUnion says Canceled by credit grantor, Experian says Closed due to inactivity. 
- Date Last Active : TransUnion shows XX/XX/year>, Experian shows XX/XX/year>. 

The account shows a {$0.00} balance and no past-due amount, yet is still reporting late payment information and contradictory closure reasons. This data can not be simultaneously accurate.

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 2025-08-15 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: NC

Complaint narrative:
I did not open these accounts, and they seem to be inaccurate. Please investigate this issue carefully and remove them from my credit history. Supporting documents are provided for your review. Ensure they are blocked and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
Please dispute the following accounts that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report ( or receiving a collection notice. This activity is the result of identity theft stemming from a data breach.

Company response to consumer: Closed with non-monetary relief