vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: MECHANICS BANK
State: FL

Complaint narrative:
XX/XX/XXXX they refuse to take off charge off on my report hendering me from reexstablish credit and refusing to release my car title

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
Subject : Demand for Deletion and Investigation of Inaccurate Credit Reporting Re : XXXX Account Number Ending in XXXX. 
To Whom It May Concern, This letter serves as a formal dispute and demand for deletion regarding the above-referenced account that your company has reported to Equifax, XXXX XXXX XXXX. This is now the XXXX time I have disputed this account, and I am demanding full accountability for your reporting and investigation process. You have reported a Date of First Delinquency of XX/XX/XXXX, yet the account appears newly delinquent or active in XX/XX/XXXX, which indicates unlawful re-aging of a charged-off debt a direct violation of the Fair Credit Reporting Act. Inaccurate Balance and Fees ( FCRA 1681s-2, PA FCEUA 73 P.S. 2270.4 ( b ) ) : The account shows a balance of {$430.00} on a {$200.00} credit limit, which implies illegal or excessive post-charge-off fees. I demand an itemized accounting of all charges and fees that led to this inflated balance. Unauthorized Payment Activity : A {$25.00} payment is reported in XXXX  well after the account was allegedly charged off. This was not made or authorized by me, it may have been used to illegally re-age the account and extend negative reporting beyond the legally allowed timeframe. Provide proof of payment, including who made it, when, and how it was applied. As a data furnisher, you are legally obligated to report accurate information. Your ongoing furnishing of inconsistent and misleading data across the credit bureaus violates your duties under FCRA 623. I hereby demand that you : Delete this account from Equifax, XXXX XXXX XXXXXXXX in its entirety. Cease all further reporting of this account to any consumer reporting agency. Provide me with copies of any and all records, agreements, statements, or documentation that verify : My obligation to repay this debt, The origin of the {$25.00} payment posted in XXXX, The calculation of the current balance, and Conduct a full investigation and provide me written confirmation of its findings, per your obligations under the FCRA and the Consumer Financial Protection Bureaus guidelines. Failure to comply will result in formal complaints being filed with the Federal Trade Commission, and Pennsylvania Attorney General, and I will pursue legal action for damages, attorney fees, and removal of the account under applicable federal and state consumer protection laws. This account is disputed and must not be reported as verified without documentation. Please see attatched previous disputes and updated credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
Dispute Letter to Loan Servicer XXXX XXXX XXXX. 

XXXX XXXX XXXX. 

XXXX, MI XXXX XXXX XXXX XX/XX/year> Department of Education U.S. Department of Education XXXX XXXX XXXX, XXXX Washington, D.C. XXXX Re : Immediate Cease & Desist of Student Loan Reporting and Collection Due to Department of Education Abolishment To Whom It May Concern, I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, XXXX XXXX has signed an executive order to abolish the U.S. Department of Education, thereby creating a material legal void concerning all student loan obligations previously managed under its authority. 

# # # Demand for Verification & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is provided.

- A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment.

- Written confirmation that you will cease reporting this unverified debt to credit bureaus.

If you fail to comply, I will escalate this matter to the CFPB, FTC, and pursue legal action for violations of my consumer rights. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
in XX/XX/year>, I initiated a dispute for merchandise paid for not received. This is in regards to an XXXX XXXX order that was purchased for in store but shipped to me since they did not have the specific merchandise in store. These items were purchased while traveling and were not received by me until I returned home, as it was an online order placed through the store. When returning home, I had found out the wrong items were shipped to me. The company stated that they can not issue me a refund since I am past the timeframe allowed for returns. I then initiated a dispute through my bank. They then found the dispute to be in favor of the merchant since it was an in-store purchase and to be claimed that I could have reviewed the merchandise before purchasing. I immediately re-initiated this dispute and mentioned that there was no merchandise received in store, it was an online order although the payment happened in store. The bank then soon after less than a week closed the dispute and stated a list of reasons of why the dispute was not founded my favor, although I was not given the opportunity to submit any documents. This bank is extremely difficult to work with hence why I closed my account with them. They did not give me the option to upload documents by being signed in or upload any documents by a link being sent to my email. Although I did thoroughly state all of my documentation verbally to them when creating my dispute case. I even called the bank and asked why this was not found in my favor, and the woman stated that the bank has to abide by the merchants policies, and if I missed the timeframe for returns, then this is found in the merchant favor. I then countered that and stated that I never received what I purchased as they sent me the wrong items. I proceeded to state that the merchant also had an agreement to ship me the items I purchased, although they failed to do that, and additionally stated that in all XXXX states it is common law that no business is entitled to keep money charged by a customer for products or services that are not received, then asked again how it was found in the merchants favor. She was in silent for about XXXX seconds until the call ended.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Tried to create account with Experian to unfreeze credit. Unable to create account. Do not recognize the partial email address or partial phone number listed on the verification page. Attempted to contact company via telephone. Stuck in endless phone tree. Automated system hung up on me several times. I am concerned that I am unable to access my account and that someone else has coopted my identity. Experian is impossible to reach by telephone.

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 2025-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc.
State: FL

Complaint narrative:
This account was billed to insurance company and company put incorrect billing so my insurance didnt pay for there mishap I reported it on XXXX  and it was deleted. After conducting " sham investigations '' when I disputed errors on my credit reports XXXX  improperly reinserting inaccurate information back onto my reports after it had been removed. This was removed off XXXX  as well but XXXX  is the only one who put bill back on my credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Subject : Formal Dispute Inaccurate Reporting by Portfolio Recovery Associates To Whom It May Concern : I am writing to formally dispute and request an investigation into the reporting of an account listed under Portfolio Recovery Associates ( or Portfolio Services ) on my credit report. This account is currently being reported inconsistently across Experian, Equifax, and TransUnion, which constitutes inaccurate and misleading reporting in violation of the Fair Credit Reporting Act ( FCRA ). 



The discrepancies include the following : Different account opening dates Conflicting or inaccurate closing dates Mismatched terms or duration of the account Incorrect type of account listed ( e.g., installment vs. collection ) Inconsistent or inaccurate payment history This inconsistent information is affecting my credit profile and could impact lending decisions. As the data furnisher, Portfolio Recovery Associates is legally required to ensure that all furnished information is accurate, complete, and verifiable across all consumer reporting agencies. 



Requested Action : I am formally requesting that you : 1. Investigate the discrepancies in this account with Portfolio Recovery Associates 2. delete any unverifiable or inaccurate information 3. Provide written confirmation of the outcome of your investigation within the time frame mandated by law ( 30 days under the FCRA ) Enclosed are copies of my credit reports from each bureau, with the Portfolio Recovery entry highlighted and discrepancies noted, along with a copy of my government-issued ID and proof of address. 



Thank you for your attention to this matter. I look forward to your timely resolution of this dispute. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
Re : Jefferson Capital Systems According to FCRA Section 1681, it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
On XX/XX/XXXX I recieved an email stating that my credit score had dropped XXXXXXXX XXXX  due to non payment on a loan from XXXX. I have never opened an XXXX account and I have been a victim of identity theft. I contacted XXXX and they have not been helpful at all through this. They have not responded in a timley fashion, multiple times said I didn't not send proper information. Today I recieved an email from Experian stating the dispute I started had been finalized with Affirm stating that I am responsible for the account. Truly XXXX is a horrible company and has made navigation of rectifying the fact I was victim of identity theft extremely difficult.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Transunion decided to put Fraud alert without my permission and are in violation of trademark law as they already been notified and warned but conrinue to use trademark without authorization and $ XXXX usage fee. See attached proof of claim. Trademark usage fee is {>= $1,000,000} and not negotiable! Dont use if you dont want to pay.

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 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was charged {$150.00} by a restaurant where I experienced delayed and mishandled service. We were seated late ( XXXX PM ) for all-you-can-eat service, and the restaurant delayed our order by giving our food to another table. 
I asked during last call if it was okay to order more food, and they said yes but then they penalized us with a {$40.00} " leftover fee '' because we couldn't finish the food they delayed. 

We were also given XXXX different bills, XXXX of which included unauthorized service fees they only removed after we pointed it out. I explained all of this to Discover, who only offered to review overcharges but dismissed the service issue even though it directly caused the excessive charge. 

Discover refused to support me in disputing the full amount despite me providing a clear explanation of merchant misrepresentation and poor service. XXXX asking for a full review of this situation and reconsideration of my rights as a cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX Original Account # : XXXX MCM # : XXXX Subject : Request for Debt Validation under the Fair Debt Collection Practices Act DearMidland Credit Management, I am writing in response to your [ letter/communication ] dated [ insert date ], regarding the alleged debt with account number [ insert account number ]. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request validation of the debt you claim I owe. Please provide the following documentation : usacreditlawyer.com 1. Proof of the original creditor 's name and the account number associated with the alleged debt.

2. A copy of the original contract or agreement bearing my signature.

3. A complete payment history, including all charges and payments made.

4. Documentation establishing your legal right to collect this debt, including a complete chain of title from the original creditor to your agency. 
I would like to highlight the case of XXXX XXXX XXXX XXXX XXXX, XXXX, where the court ruled that the debt collector failed to provide sufficient evidence of ownership of the debt, leading to a reversal of the judgment in favor of the consumer. 
Until you provide the requested documentation, I request that you cease all collection activities and not report this alleged debt to any credit reporting agencies. If you have already reported it, please inform them that the debt is disputed.Pine Tree Legal Assistance Please respond to this request within 30 days of receipt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NC

Complaint narrative:
Mohela didn't provide proper notice that the loans were XXXX days late. It immediately was placed on the credit file as 90 days late. Not 30 days and/or 60 days late first. No documentation to support the delinquency report on the credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MOHELA
State: TN

Complaint narrative:
My personal and financial data was compromised violating FERPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
This credit company has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct thorough investigations and failing to correct or remove the disputed information, as required by law.

I am providing this final notice that if these inaccuracies are not IMMEDIATELY corrected in full compliance with the FCRA, I will have no choice but to pursue legal action to seek monetary damages for each violation, including statutory, punitive, and actual damages, as prescribed under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-05-05 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: NV

Complaint narrative:
Identity theft prevention ; fraud alerts, and active duty alerts 15 U.S.C. 1681c-1Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; and refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603, in accordance with procedures developed under section 621.

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