vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX NY, XXXX XXXX XXXX To : TransUnion P.O XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Information Under the FCRA XXXX Account Dear XXXX XXXX XXXX, I am writing to formally dispute the accuracy and legality of the information you are reporting regarding the following account : Creditor Name : XXXX Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Current Status : Charged Off, {$140.00} Past Due Balance : {$140.00} ( as of XX/XX/XXXX ) The following issues constitute violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards : Previously Deleted Account Reinserted Without Proper Notice This account was previously disputed as identity theft and deleted from my report. Its reappearance without proper certification or notice violates FCRA 605B [ 15 U.S.C. 1681c-2 ] and FCRA 611 ( a ) ( 5 ) ( B ).

Improper Reporting of Charged-Off Balance The account is listed as XXXX XXXX, yet the balance remains at {$140.00}, implying a collectible debt. If XXXX has written this off or sold the account, reporting a balance conflicts with XXXX XXXX guidance, which requires a {$0.00} balance on sold or forgiven debt. 
Missing or XXXX XXXX XXXX XXXX XXXX XXXX fields such as Terms and Monthly Payment are blank. Incomplete data compromises the integrity of your reporting system and violates the standardized accuracy obligations under FCRA 623. 
Re-aging of Delinquency The account shows activity and updates as of XX/XX/XXXX, despite a delinquency pattern that began in XX/XX/XXXX. This could unlawfully extend the reporting period beyond the XXXX limit outlined in FCRA 605 ( a ). 
Failure to Resolve Dispute Within Statutory Timeframe The account continues to show ITEM IN DISPUTE with no resolution or result of reinvestigation reported. If XXXX XXXX have passed without proper verification, continued reporting is a violation of FCRA 611 ( a ) ( 1 ) ( A ). 

ACTION REQUESTED I demand the immediate deletion of the XXXX account listed above from all of my credit reports based on the multiple FCRA and XXXX XXXX violations outlined. Please conduct a full reinvestigation and provide : A summary of your findings A description of the procedure used in the investigation The name and contact information of the furnisher ( XXXX ) Updated copies of my credit report from your bureau If this matter is not resolved within 30 days of receipt, I will escalate the issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and State Attorney General, and will consider seeking legal counsel for further remedies. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NC

Complaint narrative:
A new servicing company has barraded me with excessive phone calls, emails and letters demanding payment of which i sent a demand letter requesting to send proof of my lending obligations with a copy of my wet signature to prove this is not fraud how im randomly being sought out.

They did not provide.

I then sent a letter asking for the below information.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) and the Higher Education Act, I am requesting the following : 1. Comprehensive Audit and Documentation Provide a full and itemized payment history and billing statement ledger for my loan.

Include all records of deferment/forbearance, notifications sent, adjustments made, and any interest capitalization events.

2. Verification of Compliance Demonstrate with documentation that all required communications, bills, and legal disclosures were sent in a timely and lawful manner.

If any failures are found, correct the records and notify all credit bureaus of the inaccuracies.

3. Removal of Adverse Credit Reporting Immediately delete or correct any late payments or delinquencies reported due to failures on your part to notify or properly service the account.

Under FCRA 1681i ( a ), you are obligated to investigate and remove unverifiable or inaccurate data.

they did not comply, just increased their calls, voicemails and letters which has caused unwanted stress, distractions and undo harm to my patients with pacemakers.

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: New Century Auto Sales, Inc.
State: MI

Complaint narrative:
I told their salesman, XXXX that i didn't have good credit. She said that Right way works with credit types of all kind just like their advertising states, " good credit, bad, credit, or no credit ''. They claim to finance it all, but they don't. Not only is this false advertising, it is a scheme to sell consumers information and data. I also want them to delete my information from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: AZ

Complaint narrative:
I request your help to review accounts that these companies are mistakenly reporting as late. Upon checking my credit report, I found late payment marks on some accounts that are not accurate. These accounts should not have any late payment remarks. Please remove these incorrect remarks and update the accounts to reflect the agreed positive status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
b"I have not used my American Express card in at least 10 years. They continue to send me cards. When I go to their website, there is NO WAY to close the card. They insist you do it via their Support line.\n\nGetting out should be as easy as getting in. Here is my exchange with theiXXXX XXXX representative:\n\n==================\nI have not used my AmEx card in at least 10 years, yet you continue to send them to me. I want to close my account. I've searched and searched your website, and there is no way to do it that I can see. I DO NOT WANT TO TALK TO ANYONE. Just close my account. Is that so hard?\n\nAmerican Express\nHello XXXX and so sorry to read that. We would need to speak with you directly to close your account; please call us at XXXX XXXX XXXX XXXX  24/7. Looking forward to speaking with you.\n\nAmerican Express\nWe do not have access to accounts via this channel. In order to cancel your account, we would need to speak with you directly."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
To whom it XXXX concern, I am disputing a XXXX XXXX account that is reporting on my credit report, account number ( XXXX ) .This account is currently being pursued by two different collection agenciesTransworld Systems Inc. ( TSI ) and The CBE Group Inc.each claiming a different balance, and neither has provided proper validation or evidence that the account is legitimately mine. I have never opened or authorized this account.

Both collection agencies are pursuing the same debt but report different balances ( {$670.00} from TSI and {$610.00} from CBE ). This is misleading and appears to be in violation of the FDCPA. I also have not received proper documentation validating the debt despite prior disputes.

I am requesting the CFPB to investigate this matter and instruct these companies to : Cease all collection activity Validate the debt with proper documentation Remove the account from my credit report I am submitting this summary in connection with the disputed on the XXXX XXXX account that I did not open or authorize. 
Based on my understanding of federal consumer protection laws, I believe the following legal violations have occurred : Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692 1. 1692e False or Misleading Representations Two collection agencies are attempting to collect on the same debt with inconsistent balances ( {$670.00} vs. {$610.00} ), which is deceptive and misleading.

2. 1692g Validation of Debts I have not received proper debt validation from either party. Continuing collection activity without providing full validation upon request violates this section.

3. 1692d Harassment or Abuse Receiving conflicting communications and simultaneous collections from different agencies for the same account constitutes harassing behavior under this statute.

Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681 4. 1681s-2 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information If either agency has reported this disputed, potentially fraudulent debt to credit bureaus, and the reporting contains discrepancies or is inaccurate, that is a violation.

5. 1681i Reinvestigation of Disputed Information I previously disputed this debt with Experian and received no satisfactory verification. If the reporting continued without proper reinvestigation, this is a clear FCRA violation.

Consumer Financial Protection Act UDAAP Provisions 12 U.S.C. 5531 6. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Pursuing collection with conflicting balances, failing to provide validation, and ignoring potential identity theft are all considered unfair and deceptive collection practices under CFPB regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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 presume 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 2025-06-26 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: AZ

Complaint narrative:
Please assist me in launching an investigation into the accounts listed, as they appear to be inaccurately reflected on my credit report. Under USC 1681g, I am formally requesting that they be removed within 15 days. All supporting documentation has been provided for your review. It is also important to note that each credit bureau is reporting different and inaccurate information regarding these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Finance Direct LLC.
State: MI

Complaint narrative:
Signed a contract with XXXX made it part of the way through the aligners, which actually made my teeth worse, and they promised to fix never made it through my correction or anywhere close to getting retainers, was working with smile direct when they completely shut down and I could contact no one yet Still was harassed by health finance direct about making payments and threatening action if I did not, I then received an email from them, saying that I was eligible for a refund. I filled out what was sent to me to fill out more than once, never received the refund and now health finance direct has transferred me to the debt collector XXXXXXXX XXXX, this is absolutely absurd when I started receiving treatment, and even in the beginning of health finance direct scare tactics when smile direct went bankrupt. I always made my payments, but they did not fulfill my treatment or my lifelong contract as promised my teeth are just as bad as they were prior. I have paid more than enough for the little treatment I did receive there is no reason that I should have to pay and finish my agreement when they did not finish their agreement. This is robbery, false advertisement, fraud, and I cant even believe that this is allowed. I received emails saying that eventually the refund would hit my account and now it has gone to a debt collector. They are claiming I still owe {$800.00}, have paid over {$1500.00} of the intial agreement {$2300.00} I have paid well over the amount that I should have owed for the few aligners recieved. I have paid overly for what was agreed/guaranteed by them, even though I should not have even done that and feel like I have been scammed. I have never seen anything like this before I have called and explained to multiple agents and people that this is not right I need this account closed and satisfied. I do not owe this money for something I did not receive. TXXXX XXXX XXXX account number I just recieved is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I was told I could pay on the principal if I pay eary to avoid cab fee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app closed my account for no reason other than retaliation and XXXX XXXX  from me filing a complaint XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information Under the FCRA XXXX XXXX  Dear Credit Reporting Agency, I am writing to formally dispute the accuracy and legality of the information you are reporting regarding the following account : Creditor Name : XXXX  Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Current Status : Charged Off, {$140.00} Past Due Balance : {$140.00} ( as of XX/XX/XXXX ) The following issues constitute violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards : Previously Deleted Account Reinserted Without Proper Notice This account was previously disputed as identity theft and deleted from my report. Its reappearance without proper certification or notice violates FCRA 605B [ 15 U.S.C. 1681c-2 ] and FCRA 611 ( a ) ( 5 ) ( B ).

Improper Reporting of Charged-Off Balance The account is listed as Charged Off, yet the balance remains at {$140.00}, implying a collectible debt. If XXXX has written this off or sold the account, reporting a balance conflicts with Metro 2 guidance, which requires a {$0.00} balance on sold or forgiven debt.


Missing or Incomplete Data Fields Required Metro 2 fields such as Terms and Monthly Payment are blank. Incomplete data compromises the integrity of your reporting system and violates the standardized accuracy obligations under FCRA 623. Re-aging of Delinquency The account shows activity and updates as of XX/XX/XXXX, despite a delinquency pattern that began in XX/XX/XXXX. This could unlawfully extend the reporting period beyond the 7-year limit outlined in FCRA 605 ( a ).

Failure to Resolve Dispute Within Statutory Timeframe The account continues to show ITEM IN DISPUTE with no resolution or result of reinvestigation reported. If 30 days have passed without proper verification, continued reporting is a violation of FCRA 611 ( a ) ( 1 ) ( A ). 

ACTION REQUESTED I demand the immediate deletion of the XXXX account listed above from all of my credit reports based on the multiple FCRA and Metro 2 violations outlined. Please conduct a full reinvestigation and provide : A summary of your findings A description of the procedure used in the investigation The name and contact information of the furnisher ( XXXX ) Updated copies of my credit report from your bureau If this matter is not resolved within 30 days of receipt, I will escalate the issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and State Attorney General, and will consider seeking legal counsel for further remedies. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN

Complaint narrative:
on XXXX i sent {$180.00} to my daughter in XXXX. I forgot to send reference number and in turn i lost it. The moneygram at the XXXX in XXXX said they do not keep reciepts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief