vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding a XXXX XXXX overpayment that was sent to collections and reported to the credit bureaus without proper notice and despite me being on an active payment plan. 

I received only one update about the overpayment. I made a payment toward the balance, but after that payment, I received no further communication from the school, the Department of Education, or the collection agency. No one informed me of : my remaining balance next payment due dates updated payment plan terms any risk of being sent to collections any notice of delinquency any notice of credit reporting I was never informed that the account was being referred to collections. 
I never received required written notices, even though federal regulations require timely communication before

a Title IV overpayment is reported or placed with a collection agency. Because they stopped communicating with me during an active payment plan, I had no opportunity to continue making payments, and the account was sent to collections improperly. 

Now it is reporting on my credit report as a collection, which is unfair, inaccurate, and the result of improper servicing and lack of notification. 

I am requesting the following : 1. Verification of notices allegedly sent ( I did not receive any ) 2. Proof that the Department of Education or the school followed Title IV overpayment notification rules 3. Removal of the collection entry from all credit bureaus due to inaccurate reporting and improper servicing 4. Written clarification of the true balance and payment history I have attempted to resolve this directly but received no response after my initial payment. Because I was left without updates or payment instructions, I am asking the CFPB to require the Department of Education or its contractors to correct the reporting and remove the collection from my credit report.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citibank has taken adverse action against me three separate times. The first two times, my utilization was higher, so I paid thousands of dollars to reduce my balances. By XX/XX/year>, my revolving utilization was below 30 %. 

I had just paid Citibank {$1000.00} the month before, and my most recent payment was the minimum payment of {$57.00}, which was paid on time. Despite this, Citibank sent an adverse action notice dated XX/XX/year> claiming that I had been past due in the last 12 months, which is completely false. My payment history has been positive and I have not been delinquent for 12 months. 

Citibank also lowered my credit limit right before my billing cycle ended. Because my balances were already paid down, this prevented my credit report from updating correctly and made my utilization appear much higher than it actually was. This caused an abrupt drop of nearly XXXX points in my credit score. 

Before this adverse action, I received a suspicious phone call from someone stating that Citibank would garnish my accounts with XXXX and XXXX XXXX. Citibank can not legally do that without a judgment. Immediately after this call, the false delinquency language appeared in the notice and my limit was lowered again. 

Because of the timing of the phone call and the repeated false reporting, I believe someone with internal access at Citibank may be targeting my account. Regardless, the information Citibank furnished is inaccurate, harmful, and not supported by my actual credit history. 

I am asking CFPB to investigate Citibanks repeated inaccurate reporting, the false delinquency claim, the timing of the limit reduction, and any possible internal misconduct.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Collection Services XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am contacting you regarding a debt you claim I owe. I do not acknowledge this debt and am requesting full validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following so I may verify the validity of this alleged debt : A copy of any written agreement or contract bearing my signature showing that I agreed to the debt.

A complete itemization of the amount claimed, including principal, interest, and any fees.

Proof that your company is authorized to collect debts in my state.

The name of the current creditor for whom you are collecting.

Documentation showing that you have the legal right to collect this debt.

Until this information is provided, please cease all collection activity. Additionally, do not report any information regarding this account to the credit reporting agencies. If this debt has already been reported, please mark it as disputed until your investigation is complete.

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal placed a negative balance and a {$15.00} fee on my account after I returned a suspicious payment immediately. I did not authorize or benefit from any funds. 

Someone I do not know sent money to my PayPal account on XX/XX/year> without my request. I immediately issued a refund back to the sender. Weeks later, the sender ( or their bank ) initiated an unauthorized chargeback. PayPal placed the liability on me, charged me a {$15.00} fee, and overdrafted my PayPal balance by over - {$500.00}, even though I did not receive or use any of the money. 

I contacted PayPal customer service, and they said the banks review may take 34 months. Meanwhile, they have locked my account, charged fees, and are demanding I add money. I have no control over the situation and did not participate in any scam or wrongdoing. I am simply the victim of receiving money I didnt ask for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was given incorrect and misleading information by a CareCredit customer service representative, which directly caused me financial harm and a hit to my credit score. 

A CareCredit representative informed me over the phone that if I enrolled in a financial-assistance program, all of the interest accumulated on my account would be waived. I relied on this information when deciding how to proceed with my payments and enrollment. 

I acted on this information in good faith. 
However, after enrolling, I was later told by CareCredit that the information I was given was not accurate and that the interest would not be waived. As a result, I am now being told I owe approximately {$8000.00} instead of the {$3400.00} I expected. 

This appears to be a case of misrepresentation, unfair practices, and improper billing, and I believe my consumer rights under the Fair Credit Billing Act ( FCBA ) and the Unfair or Deceptive Acts or Practices ( UDAP ) provisions have been violated. 

CareCredit records all customer service calls, so there is audio proof of the information I was given. I am requesting that the company review the call recordings from the date in question.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
My credit reports contain inaccurate identity information due to a mixed-file error. Multiple incorrect names and addresses appeared on my reports that do not belong to me. These errors have caused verification failures and prevented me from accessing my own credit information. 

I sent formal disputes requesting removal of all incorrect personal information and a proper reinvestigation, but the bureaus have not corrected the issues. 

I am requesting CFPB assistance to require the credit bureaus to fully unmerge my file, remove all incorrect names and addresses, and ensure my personal identifying information matches my legal documentation as required under FCRA 602, 607 ( b ), and 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports contain inaccurate identity information due to a mixed-file error. Multiple incorrect names and addresses appeared on my reports that do not belong to me. These errors have caused verification failures and prevented me from accessing my own credit information. 

I sent formal disputes requesting removal of all incorrect personal information and a proper reinvestigation, but the bureaus have not corrected the issues. 

I am requesting CFPB assistance to require the credit bureaus to fully unmerge my file, remove all incorrect names and addresses, and ensure my personal identifying information matches my legal documentation as required under FCRA 602, 607 ( b ), and 611 ( a ).

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed a certified Personal Information Update Request to TransUnion to correct inaccurate and outdated personal identifying information in my consumer file. USPS confirms delivery on XX/XX/year>. This request included removal of outdated names, addresses, employers, and phone numbers, and updating my accurate current information. 

TransUnion never requested additional identity documentation from me. However, to avoid delays, I voluntarily mailed supplemental identification and supporting documents. TransUnion failed to acknowledge or process any of this information. 

Despite receiving my request more than 30 days ago, TransUnion has not updated my personal identifying information, has not conducted a reinvestigation, and has not provided any written results of investigation as required by law. As of today, XX/XX/year>, TransUnion is out of compliance with FCRA deadlines. 

TransUnion is in violation of : FCRA 611 ( a ) failure to reinvestigate FCRA 607 ( b ) failure to maintain maximum possible accuracy Texas Business & Commerce Code 20.06 failure to investigate On XX/XX/year>, I mailed a Failure to Investigate Notice, which USPS delivered on XX/XX/year>. This notice advised TransUnion that they were already in violation of federal and Texas law and had failed to update my personal identifying information. TransUnion is still required to provide written confirmation of correction. 

A separate dispute reinvestigation issue will be filed in a separate complaint.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In early XXXX I received a call ( three times in a row and I answered on the third one ) and they said it was Capital One Fraud Department. Someone opened a business credit card in my name and it was flagged when they wanted to change the address to Idaho but the cards were already mailed to my address. Which was the correct address but I never applied for the card - I was told to destroy the card when it arrived and the account was closed and investigation launched. I received the card and decided to call to ensure it was not activated. It was then I was told they need to create a case file ; then I received another call asking me if I had opened the card because my information matched the application- I said i did not and do not own a business. The first person who called me said notifications were turned off ; then after I talked to the second person who then created a case number, notifications started coming and I received one that said I had a balance of over {$4000.00}. Today I received a three page letter from Capital One asking me to provide a picture of my ID, SS Card and fill out other personal information and send it back to them. Absolutely not going to do that and they should not be asking for it ; not sure if thats a scam as well but horrible customer experience with Capital One and their fraud department. They need to close this out and look at their process of how this happened.

Company response to consumer: Closed with non-monetary relief