vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the XXXX XXXX XXXX account managed by XXXX XXXX XXXX on my Equifax credit report ( Report Confirmation # XXXX ), which lists a collection of {$1000.00} allegedly from XXXX Bank. XXXX Bank is not reporting any open tradeline or balance due on my Equifax report, and XXXX XXXX has not provided any documentation confirming a valid assignment or legal transfer of ownership. No signed agreement containing my name and Social Security number has been produced. Additionally, no IRS XXXX XXXX has been issued, even though this debt has been previously charged off by the original creditor. This collection entry violates FCRA 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ), and FDCPA 809 ( b ), as it lacks any basis of legal standing or verifiable debt ownership. I request the immediate and permanent deletion of this account from my Equifax report due to its unverifiable status and misleading representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: NV

Complaint narrative:
Re : Aldous This company represents XXXX XXXX. During XXXX, XXXX XXXX paused monthly dues. Subsequently, I had cancelled my membership. When the XXXX protocols were lifted, they closed my account but immediately put this in collections. 
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: EQUIFAX, INC.
State: DE

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 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 fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Subject : Dispute of Fraudulent Credit Account under FCRA Section 605 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing a fraudulent credit account opened under the name [ Fraudulent Name ], which is not my name, [ Your Name ], in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605. This fraudulent account is negatively impacting my credit score. I have never applied for or received a credit card from your institution, and I have never used the card in question. Therefore, I refuse to pay any charges associated with it. 

This constitutes a violation of the FCRA as the information reported is inaccurate and incomplete, and was not obtained pursuant to my authorization under Section 605 ( b ). I request a complete investigation into the opening of this account, including the verification of the identity of the applicant and the complete audit trail of the account 's origination.

This investigation should encompass, but is not limited to : * A copy of the application for the account in question.

* Verification of the applicant 's identity, using methods that verify the individual applied for the account. This should include photographic or biometric evidence. * The complete transaction history behind the account 's opening. I demand the immediate re
moval of this fraudulent account from my credit report and a written confirmation of its closure. Failure to comply with my request and correct the inaccurate information under FCRA Section 605 will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal recourse

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: FL

Complaint narrative:
nothing happend i send out the letter XX/XX/year> requiring for proof to verify this account is my becuase i know it not and havent receive anything yet

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: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Someone stole my information and used card. Trying to get a new card company denying me a reissue due to fraud not done by me. Now because of them credit ruined not only they wont recent account but have ruined my credit to where I cant get a card from anyone. ALWAYS HAVE PAID MY Bills but due to hackers I cant get my card reinstated or even go with a new company because theyve ruined my credit!!!!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
hello my name is XXXX XXXX iam writing to delete information on my file. The items I need deleted or listed in the report. I am a victim of identity theft and I did not make or approve of this charge. I asked that these items be deleted to correct my credit report. I reported the identity theft to thefederal trade commission and Ive also enclosed copies of the Federal Trade Commission adavit. please delete these items as soon as possible thank you.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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: 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: TRUIST FINANCIAL CORPORATION
State: CA

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: 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Subject : Demand for Deletion and Investigation of Inaccurate Credit Reporting Re : COMENITYCAPITAL/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 XXXX, XXXX, and 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, XXXX  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 XXXX, XXXX, and XXXX  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 XXXX  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 explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I understand I am behind in payments. I am out of work for XXXX  years because of XXXX XXXX XXXXXXXX. On top of that my neighbor 's tree fell on my house during XXXX XXXX. Fema has declared my house unlivable but with XXXX dogs there is no where I can go. My insurance doesn't want to pay the damage because my neighbor should have removed the tree and his insurance doesn't want to pay I have no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
I have called and emailed Kraken numerous times over the two month period. I funded my brokerage account to purchase crypto with {$2000.00} USD. My XXXX account was debited 3 times, totaling {$4000.00} USD. I thought this was a fraud and filed a fraud warning with my bank. Kraken has locked my account, provided no help in rectifying this and has repeated promised over the phone that this would be " escalated '' and " top priority ''. 

The last email I have received from them is XX/XX/XXXX. This has been ongoing for 2 months now. I've provide images and a timeline from my bank. My account is still locked and there seems to be no way to get this advanced.

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: Incorrect information on your report — Information belongs to someone else
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
XXXX claims validation for several accounts ( letters dated XX/XX/XXXX and XXXX, 2025 ), but both are tied to fraudulent identity theft activities. They failed to investigate my fraud claim ( FTC Report # XXXX ) and provided no original documentation, violating FCRA 1681s-2 ( b ). 
XXXX is collecting a {$12000.00} KeyBank debt ( XX/XX/XXXX letter ) without validation, tied to a fraudulent entity. They ignored my fraud claim ( FTC Report # XXXX ), violating FDCPA 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion and Equifax keep allowing the debt dispute to go on and on and on. Even with companies that have already reported the debt as paid and delete to them. The following debts are in dispute : XXXX XXXX  : {$1600.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$830.00} XXXX XXXX XXXX {$360.00} I have been waiting and waiting for my report to be updated because I am applying for a financial license and this is directly affecting my ability to pursue licensure and support myself along with causing personal undue stress as the deadline continues to go beyond the 30 days with even using unethical collection methods to force payment from me.

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: 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: MA

Complaint narrative:
Pursuant to XXXX XXXX XXXX, I Owe no debt. This company is violating my consumer right to privacy pursuant to XXXX XXXX XXXX XXXX company has No permission to report ANYTHING using my info pursuant to XXXX XXXX XXXX XXXX XXXX ( Charge Off ), XX/XX/XXXX. XXXX XXXX 

XXXX XXXX ( XXXX ), hard inquiry XX/XX/XXXX. 

XXXX ( XXXX ), hard inquiry XX/XX/XXXX. 

XXXX XXXX ( XXXX ), hard inquiry XX/XX/XXXX. 

XXXX ( Bank ), hard inquiry XX/XX/XXXX.

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: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
Notice to the Court Regarding Debt Validation Request To the Honorable Judge : Absolute Resolutions Investments , LLC I, XXXX XXXX, the Defendant in this matter, am writing to inform the Court that I have submitted a formal Debt Validation Request to the Plaintiff in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

In this letter, I requested the Plaintiff provide the following : - Verification and documentation that they are legally authorized to collect the debt - A complete chain of title showing the transfer of the alleged debt from the original creditor, XXXX XXXX XXXX XXXX, to the Plaintiff - A copy of the original signed agreement - A full, itemized breakdown of the amount claimed Under the FDCPA, collection activityincluding litigationmust cease until the requested validation is provided. 

I respectfully request the Court take notice of this pending validation request and that any further legal proceedings be paused until the Plaintiff complies with federal law. 

In support of this request, I reference * * XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX  ) * *, in which the Court reaffirmed that debt collectors must cease collection efforts, including litigation, until they properly validate the debt upon request. The XXXX case supports the Defendants right to receive proper validation before being subjected to legal consequences.

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: EQUIFAX, INC.
State: IL

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 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: NY

Complaint narrative:
Apparently, {$120.00} payment was made to a closed account. Barclay has the credit and I have called twice to have the amount moved from the closed card to the card where the balance owed. Barclay said that they would remove late fee and interest and account would be paid in full. I asked to close the account, also requested that they should not add negative information to my credit report. They said on credit report only voluntary closure would show. I looked at credit report today and they have reported me as being late. Not true and unfair. 
Thank you for looking into this issue.

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 monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
XXXX ( XXXX ) XXXX XX/XX/year> MOHELA Attn : Correspondence XXXX XXXX XXXX XXXX XXXX, MO XXXX RE : Formal Complaint, Demand for Account Audit, and Request for Administrative Discharge I am filing this formal complaint to express my deep concern regarding MOHELA 's handling of my XXXX XXXX XXXX  account. Your actions-or lack thereof-have directly impacted my access to federal loan forgiveness, violated borrower protections, and caused personal financial harm. 

MOHELA is currently under federal investigation by the XXXX Department of Education, the CFPB, and state attorneys general for issues including : - Miscounting PSLF and IDR payments - Delays and denials in income-driven repayment recertifications- Unlawful interest capitalization and payment misapplication - Customer service failures and misinformation I believe my loan has been impacted by these very issues and MOHELA 's servicer negligence, a breach of your federal servicing contract obligations, and a violation of borrower rights as protected under the Higher Education Act and 15 U.S.C. 1692 ( FDCPA ).

I hereby formally demand : 1. A complete internal audit and payment history of my account 2. Correction of all errors affecting PSLF/IDR eligibility and principal balance 3. A written explanation of your findings 4. Administrative discharge or forgiveness of my student loans, pursuant to servicer misconduct and borrower harm Please consider this a dispute and request for relief under 20 U.S.C. 1082 ( a ) ( 2 ) and applicable consumer protection law. I expect a full written response within 30 days. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation