vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. XXXX XXXX XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX A SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
This is not a mistaken complaint. My credit report contains inaccurate information that fails to meet the standard of maximum possible accuracy. These errors are causing significant personal and financial harm. I urge immediate correction or removalprompt action would bring much-needed relief during an already difficult time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
My loans have been transferred from, XXXX XXXX, to XXXX and now MOHELA without my authorization, Terms and charges have been changed.i am unable to log into my MOHELA account but the payments are still being taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NC

Complaint narrative:
I am a victim a victim of identity theft. I have attached a identity theft police report and ftc report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: PA

Complaint narrative:
am writing to ask that you please review your records for me and make any necessary corrections. I am concerned about the accuracy of my credit report and would like to make sure that all information is up to date and compliant with reporting laws. I would also appreciate it if you could remove any inaccuracies from my report immediately. Thank you for your attention to this matter. 
XXXX XXXX XXXX  Equifax Equifax Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : -- Creditor Remarks : CHARGED OFF ACCOUNT Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : -- Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- Loan Type : -- XXXX seeing that account XXXX XXXX XXXX with number XXXX is wrong on my credit report, showing a rating of CollectionOrChargeOff. I need this fixed ASAP! You said it was opened on XXXX with a last activity date of XXXX, but that doesnt add up. Please remove this account right away. 
Also, I see you verified it last on XXXX. According to 15 U.S.C. 1681s-2, you need to show me how you verified this info. Can you send that to me? And Id like proof that I owe {$0.00} because I really dont owe this amount.

Remember what happened in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2001 ) they made sure wrong info got deleted. Please handle this for me. 
You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law Sincerely XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S.

Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available.

Please also see additional attachment of disputes. ty

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I am a banking customer with USAA, and I recently had a fraudulently altered cashiers check stolen from my property and cashed at a XXXX XXXX XXXXXXXX. 

In XX/XX/XXXX, I requested a cashiers check from USAA in the amount of {$3200.00}, made payable to XXXX XXXX XXXX. Unfortunately, the check was stolen from my front porch in XXXX before it could be delivered. I immediately reported the theft to USAA but was informed that I needed to wait the required 90 days to place a stop payment. 

On XX/XX/XXXX, I contacted USAA to stop payment, only to be informed that the check had already been cashed on XX/XX/XXXX. I requested a copy of the check, and it was clear the payee name had been altered in black marker to an unknown third party. I was previously assured that only the intended payee could cash the check, so this was deeply concerning. 

I have filed both a police report and a fraud claim with USAA, and I am trying to determine whether XXXX XXXX has opened an investigation on this matter. 

This matter is time-sensitive. I have been filling out paperwork and filing the claim with the bank for almost 6 months now, and they have taken no action. I believe they are stalling until the statute of limitations is over for the claim and they no longer have to take action on it. I have filed the same paperwork with them 4 times and keep calling to follow up, but they are not able to give me any information at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Remove Collection 15 U.S. Code 1692c ( c ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Creditor : Bank of America Account Number XXXX XXXXXXXX XXXX  Account # XXXX Amount {$2800.00} Payment History Last payment No Info Current Payment Status In Collections/Charge-off Amount past due {$2800.00}

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
In XX/XX/XXXX, I closed my Apple Card account. Even after the closure, I continued making monthly payments to ensure my balance was fully paid. In XX/XX/XXXX, I contacted Goldman Sachs ( the issuer of the Apple Card ) to confirm the account status and clear any remaining balance. During the call, I was told that my balance was completely paid and that there was nothing further I needed to do with the account. 

However, despite that confirmation, an interest charge of {$2.00} was added to the closed account and continued to accrue without my knowledge. I received no communication regarding this charge because the company had the wrong email on file XXXX instead of my correct email address : XXXX. 

Goldman Sachs did not communicate or emphasize that interest could still accumulate even after the account was closed, especially after I was assured over the phone that the account was fully settled. 

I only became aware of the balance when it was reported as delinquent and negatively impacted my credit report. I immediately paid the full amount upon discovering it. 

I have never missed a single payment on any of my accounts throughout my entire credit history. I respectfully request that this negative mark be removed from my credit report and that my history be restored to reflect my long-standing, responsible credit behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a debt owed to XXXXXXXX XXXX. Setup a payment plan with them. Put it on automatic payments and then forgot about it. A year later I get a collections letter from XXXX XXXX XXXX saying I now owed an additional {$1300.00}. I assumed this was all taken care of because of the previous payment plan I had setup with the hospital. They said these charges could not be applied to the original plan because they were new and now past due. So I then setup a payment plan with XXXX to once again pay down these medical charges. It's now on my report as in collections and past due. I provided documentation of payments made to them and payments scheduled to be made. I've had almost a XXXX XXXX XXXX for years, I've never missed a single payment in my life, I have almost XXXX credit card debt and this tanked it into the XXXX right when I'm trying to buy a house. Greedy medical industrial complex doing what it does best. Like regular Americans aren't struggling enough in this economy. I need this removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/year> Subject : Dispute of Unauthorized Hard Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry listed on my credit report. I recently obtained a copy of my credit report from your bureau and noticed a hard inquiry from Santander/XXXX XXXX dated XXXX, which I do not recognize and did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be made with my explicit authorization, typically in connection with a credit application I have initiated. I have not applied for credit with this company nor have I given permission for this inquiry. 

I respectfully request that this unauthorized hard inquiry be investigated and removed from my credit report. Please consider this letter as a formal dispute of that item under the FCRA. 

Please provide a written response of the results of your investigation within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NC

Complaint narrative:
I am a victim a victim of identity theft. I have attached a identity theft police report and ftc report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
XXXX XXXX and XXXX XXXX continues to try and collect on a debt amount that is fraudulent and inaccurate. I do not owe them or XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00}. As previously stated, I was out of the property prior to the writ of possession that was issued XX/XX/year> after taking the company to court and the final judgment being issued on XX/XX/year>. They have illegally charged me rent for XXXX of 2020 according the tenant ledger that they provided. They are claiming that I continued to live in/at the property until XX/XX/year>. This is based on a false and inaccurate assumption of the property management company. They assumed I was still living there because they claim they electricity was still on, which for XXXX is not proof of me still living there and for XXXX, something that I can prove was not true. I have proof from the electric company of my disconnection date and start date at the residence I moved into in XXXX of 2020. I also have my lease from the property i moved to in XX/XX/year>. Also, they are claiming that they did not take possession because the eviction was not fully executed due to the XXXX XXXX XXXX. The eviction moratorium did not in fact go into effect until XX/XX/year>. This means not only was the writ of possession issued weeks prior but also, my lease at the time ended XX/XX/year> which was prior to the effective date of the eviction moratorium. You also claimed the moratorium ended in XX/XX/year> but in fact was extended until XX/XX/year> by the XXXX. Also, they claimed to have taken possession in XXXX of 2020 but the ledger sent even shows them charging me through XX/XX/year>. I am XXXX XXXX XXXX XXXX defending myself against this fraudulent attempt at collecting a fraudulent debt. For that reason I have hired legal representation to defend me in this shady matter. This issue continues to cause me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I will give you this last chance to STOP all collection attempts and reporting on this debt that does not legally belong to me within XXXX  days. If you do not, all further communication in the matter will go through my attorney.

Company response to consumer: Closed with explanation