vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, Grantor of His First Family Living Trust, sent Capital One Auto Finance a lawful debt validation affidavit on XX/XX/year>. 

They received it XX/XX/year>. They were ( 10 ) working days to reply so that would have been XX/XX/year>, to respond with lawful proof of debt. 

They did not respond within that time. When they finally responded on XX/XX/year>, the documents provided lacked any evidence that they disbursed real funds. No ledger, no loan instrument, no transaction recordjust a vague summary. 

This violates federal law. I am requesting oversight, investigation, and for Capital One Auto Finance to cease reporting unverifiable debt. XX/XX/XXXX XXXX I received a fraud package but I never claimed it was fraud it about them validating and showing proof they actually give me the funds they claim I owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MI

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-08-01 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:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 
XXXX XX/XX/XXXXXXXX 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I am writing to formally dispute the reporting of the above-referenced account that appears on my credit report. The account is listed as closed with a XXXX balance and a last payment date of XX/XX/XXXX, and was last reported on XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, incomplete, or obsolete. This account meets the standard for obsolescence and should no longer be reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing about the denial of my dispute regarding a fraudulent transaction on my account. The dispute was filed on XX/XX/year>, for a charge of {$53.00} from a fraudulent website. I received a denial notice on XX/XX/year>, stating " no billing error occurred. '' This conclusion is incorrect, I called and requested that Chime reopen my case and conduct a thorough investigation into this fraudulent charge. 
The basis of my original dispute was that the transaction was with a fraudulent merchant and that I never received the goods I paid for. I provided evidence to support my claim, including : * The fraudulent email address associated with the website. 
* The fraudulent website URL. 
* Proof that my attempt to contact the merchant via email was returned as undeliverable. 
When I called customer service, I was told that there was nothing more I could do and that no additional evidence could be submitted. This is in direct conflict with my rights as a consumer and your obligation to investigate my claim of fraud. The representative I spoke to, a supervisor, was unhelpful, stated that they do not contact merchants, and abruptly ended the call. 
The fact that the merchant 's email address is fake and that no goods were ever shipped to me are clear indications of a fraudulent transaction, not a " billing error. '' The purpose of this charge was to deceive me and steal my money, and as such, it should be treated as a fraudulent charge. Chime has refused to open my dispute or refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau P.O. Box 27170 Washington XXXX DC 20038 Subject : Formal Complaint Against XXXX XXXX Continued Reporting of Closed Account as Delinquent After Case Dismissed With Prejudice Dear CFPB Representative, I am filing this formal complaint regarding XXXX XXXX, which continues to report my closed credit card account as late to the credit reporting agencies, despite the related case having been dismissed with prejudice. I am seeking immediate action and enforcement of applicable federal laws to protect my rights under the Fair Credit Reporting framework. 

Summary of Complaint : The XXXX XXXX account in question has been closed. 

The case involving this account was dismissed with prejudice, legally preventing further claims or collection on the same issue. 

Despite dismissal, XXXX XXXX continues to report the account as delinquent on my credit file. 

This reporting is false, misleading, and damaging to my creditworthiness. 

Legal Grounds : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) Requires furnishers of information, like XXXX XXXX , to report accurate and complete information. Reporting a closed account as delinquent post-dismissal constitutes a violation of this provision. 

FCRA, 15 U.S.C. 1681i ( a ) Grants consumers the right to dispute inaccurate information and requires credit bureaus to investigate and correct or delete the data within 30 days.

FCRA, 15 U.S.C. 1681e ( b ) Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of credit information. 

Dismissal With Prejudice under civil procedure rules means that XXXX XXXX can not pursue further actions related to this debt. Continuing to report negatively constitutes unlawful collection and retaliation. 

My Formal Requests : Immediately remove the XXXX XXXX account from all credit reports ( Equifax, XXXX XXXX ) as if it were never reported. 

Correct and adjust my credit score accordingly to reflect the removal and undo damage. 

Permanently prohibit XXXX XXXX from reporting this account again in the future. 

Prevent any future negative reporting or re-insertion of this account by XXXX XXXX under any format or variation. 

Provide confirmation in writing that all actions have been completed. 

Timeframe for Response : Under the FCRA, the CFPB and relevant credit reporting agencies are required to investigate and resolve disputes within 30 calendar days of receipt of this complaint.

Thank you for your time and immediate attention to this matter. Please keep me informed of all developments, findings, and actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: WI

Complaint narrative:
I have applied for the XXXX plan on XX/XX/year>. It has been over a year and the application has not been processed. Multiple attempts to speak with someone at Mohela have been made but there has been no progress. I have gotten conflicting information from employees at Mohela and most of the employees there seem to have absolutely no idea about anything whatsoever. Its as if they hired someone to answer the phone and told them to just make things up if someone calls. It is infuriating. It is a disgrace that they are allowed to continually treat borrowers they way they have with no repercussions. They make millions and millions of dollars and laugh in the face of those asking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: WA

Complaint narrative:
In 2022, I had a surgical consult with a company called XXXX XXXX  for a possible XXXX XXXX. I had recently had a lump removed that was thought to be cancerous though and had complications with anesthesia during the lump removal XXXX, and therefore XXXX XXXX stated that I could not move forward with any XXXX. I was told that no billing would process because the consult is free. Any previous discussions about surgical loans or billing was closed out, by what I was told. After the consult I did not speak with anyone about any surgical stuff or billing or anything further. About a year later I got a notice on my credit report that XXXX XXXX had opened and billed a loan through XXXX XXXX for the cost of the XXXX XXXX  XXXX. I reached out to XXXX who stated it did not ever bill. I reached out to XXXX to dispute it and was told it was resolved and closing due to being opened and billed fraudulently. I never received any funds from this company. Today summons were given to someone at my house ( not even served to me and I was not home, and it was not my spouse ) from XXXX XXXX, attempting to sue me for the cost of the XXXX claiming Breach of contract. There was never a contract, I was denied services due to complications with anesthesia so theyre surgeons would not move forward. I attempted to reach out to XXXX XXXX, as I have not had any other correspondence with the company, but I kept getting sent to a voicemail.

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 2025-08-01 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: LA

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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: GA

Complaint narrative:
MicroBilt / PRBC Attn : Consumer Affairs Department XXXX. XXXX XXXX XXXX, GA XXXX Phone : XXXX XXXX writing to dispute addresses, phone numbers, names and a XXXX XXXX account that I have no knowledge of or is associated with. Listed below are the names, addresses, phone numbers and XXXX XXXX account that I have no knowledge of. I would like all this information to be removed. I have written XXXX letters to XXXX and they continue to ignore my requests. 
NAMES : ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ADDRESSES : ( XXXX ) XXXX XXXX  XXXX, XXXX, FL, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, FL, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, FL, XXXX ( XXXX ) XXXX XXXX  XXXX, XXXX, FL, XXXX ( XXXX ) XXXX XXXX  XXXX, XXXX, FL, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, FL, XXXX ( XXXX ) XXXX XXXX XXXX  XXXX, XXXX, FL, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, FL, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, FL, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, FL, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, FL, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, FL, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, MI, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, FL, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, FL, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, FL, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, FL, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, FL, XXXX BANKING INFORMATION : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX  Inquiry -- - XXXX/XXXX/XXXX I have attached my social security card as proof of social security. 
I have attached my birth certificate as proof of birthday. 
Ihave attached my bank statement as prrof of address.

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 2025-08-01 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-08-01 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX Balance : {$56000.00} XXXX XXXX XXXX Balance : {$900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: MD

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX Balance : {$56000.00} XXXX XXXX XXXX Balance : {$900.00}

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 2025-08-01 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: SD

Complaint narrative:
b'My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607(b), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard.\nXXXX XXXX XXXX  Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX  Balance: XXXXXXXX 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 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: SD

Complaint narrative:
b'My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607(b), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard.\nXXXX XXXX XXXX  Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX  Balance: XXXXXXXX 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX fontenot as a living American national and the sole equitable title holder, power of attorney, executor, holder in due course, private banker, trustee for the SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  known as XXXX XXXX XXXX XXXX XXXX with the IRS, SEC, SSA, and all other government agencies. In accordance with all UCC, USC, CFR, Trust law, and SEC regulations, etc... I demand the immediate removal of all of my private information, and the following must be provided 1.validation of alleged debt 2.full reporting of all accounting of the books public and private 3.record of all CUSIP numbers created on this account 4.all securities with this trust account 5.the original wet ink signed contract signed by 2 living men or women, with full disclosure, equal consideration, notarized and witnessed. Proof the corporation being provided with this notice did not commit trust fraud, securities fraud, mail fraud, identity theft, conspiracy, embezzlement, blackmail under threat, duress, and coercion amongst many other crimes.As attorney in fact, and trustee with sole fiduciary power over the above account mentioned I All accounts created by an adhesion contract are rescinded and is considered void an initio. All assumed and fraudulent power of attorneys, d.b.a 's, and any assumed authority over this account have been cancelled and revocation of election has been documented with the proper government agencies. Upon delivery of this notice of dishonor and opportunity to cure, the corporation has 5 days to fufill all demands. IRS and the social security administration with be notified also in case failure to perform or further damages are committed against my person. Notice to principal is notice to agent, and notice to agent is notice to principal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " I have not supplied proof under the doctrine of estoppel ; I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' " How did you come into constructive possession of my asset without express written consent.? ''

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 2025-08-01 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: FL

Complaint narrative:
information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : - XXXX XXXX XXXX Balance XXXX {$4300.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief