vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Repeated Inaccurate Late Payment Reporting Violation of FCRA and FCBA I, XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning the continued inaccurate reporting of late payments on my credit report by Dept. of EducationXXXX and XXXX. This dispute is being submitted directly by me, not by any third party. 

Over 35 days ago, I submitted a billing error dispute in accordance with the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Despite the time elapsed, these accounts are still being reported as delinquent, and I have not received any documentation verifying the accuracy of these late payments. 

Violation of Consumer Rights Under Federal Law : My dispute was based on 15 U.S. Code 1666 ( b ), which identifies billing errors including : Failure to accurately reflect a payment or credit ; Computation or accounting mistakes by the creditor ; Failure to send proper notice ( at least 21 days ) before imposing late fees or reporting delinquencies.

In response, I requested documentation to verify the accuracy of these entries. To date, no such documentation has been provided. If the furnisher of this information can not verify the reported data, they are required by law to delete or correct the information. 

Disputed Accounts Still Showing Inaccurate Late Payments : Dept. of Ed/XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entries reflecting open status with reported late payments. 

XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX entry reflecting a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services
State: FL

Complaint narrative:
Under law code 15 U.S. Code 1681 I requested the misinformation under my credit to be removed through XXXX XXXX but they were not compliant and I also contacted the company to send you a written consent then I never received a respond under law code 15 U.S.C. 1605 I'm requesting written signature or consent or requesting this removal from my credit profile under code of 15 U.S.C. 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Following my dispute of inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and comprehensive explanation of the reinvestigation process. Specifically, I asked for details regarding the verification steps taken, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the disputed information.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Following my dispute of inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and comprehensive explanation of the reinvestigation process. Specifically, I asked for details regarding the verification steps taken, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the disputed information.

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 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a fraudulent {$1500.00} Zelle transaction that was withdrawn from my XXXX account on XX/XX/year> I authorized one {$1500.00} Zelle payment and only one. However, a second {$1500.00} Zelle charge was processed on the same day, resulting in a total deduction of {$3000.00} through Zelle. That second transaction was not authorized by me, and I am disputing it as fraudulent and deceptive.

This is not a simple duplicate. It is a clear case of unauthorized withdrawal and bank failure to prevent fraud, especially considering : My daily transaction limit is {$1500.00}, yet two {$1500.00} transactions were processed back-to-back which shouldve raised red flags.

I never approved or initiated a second transaction. 
I notified XXXX immediately, yet my dispute was denied without a full and fair investigation. 

XXXX continued refusal to correct this error is deeply troubling. It appears that instead of protecting me, the victim, XXXX is more focused on shielding the party who defrauded me, allowing funds to be taken under suspicious circumstances and providing no transparency as to how it was allowed to happen.

This situation raises serious concerns : Why was my daily limit bypassed for a scam-related withdrawal?

What internal fraud detection systems failed?

Why was I told this was authorized when only one transaction was ever approved by me? 
Why has the burden of proof been unfairly placed on me instead of XXXX providing evidence of consent?

I am requesting : 1. A reopening of my dispute with proper investigation 2. A full refund of the fraudulent {$1500.00} charge 3. A written explanation of how and why this charge was processed in violation of daily limits 4. Copies of any documentation XXXX  is using to claim I authorized both transactions I am also submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursuing federal legal action if necessary. I will not allow this to be swept under the rug.

As a loyal customer and a victim of fraud, I expect protection not blame. I will continue to pursue justice until this matter is resolved fully and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Following my dispute of inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and comprehensive explanation of the reinvestigation process. Specifically, I asked for details regarding the verification steps taken, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the disputed information.

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 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
I lost access to an email account that was tied to my XXXX  account and XXXX  is asking me to provide a code that they are sending to the email account I dont have access to. I am able to login in but I cant manage my money without this code. I reached out to XXXX  requesting to change my email address and provided all pictures and identification they asked for but they have not done anything and its been a month. The old account that has the compromised email tied to it allows me to add new users as administrators and I was able to add a different email there. However, after signing up with a valid email I have access to see the funds in my account but I can not manage them because XXXX  has put a verification hold on it. I provided all information and they are still not verifying my account. My XXXX  support tickets are : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: GA

Complaint narrative:
The car with XXXX XXXX XXXX was purchased with gap insurance. The gap insurance covers the repossession of the vehicle. After any other balances have been recovered. This car was repossessed over a year ago. It still remains as open on my credit report on one of the bureaus and reports three incorrect balances, even though gap insurance was present, I would like for the balance to be correct on all three bureaus and zeroed out as correctly should be since gap insurance was covered.

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 2025-06-24 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: TX

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-24 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: TX

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: TX

Complaint narrative:
This is a fraud account be reporting on my credit report. They are reporting a student loan on my credit report from XXXX. However, I do not owe XXXX  any money. This account is a result of identity theft. This fraud account needs to be removed from my credit report immediately. This was apart of a information Breach by the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: The J. G. Wentworth Company
State: TX

Complaint narrative:
I agreed to terms of XXXX  month debt consolidation with J. G. Wentworth and today I reached out to them because I wanted to pay off my balance. I was told that there was a 7 month extension due to one creditor still not being settled. I never agreed to 7 month extension and asked to be sent my contract which they did send to me. What I was NOT sent after speaking to 3 different representatives and a supervisor named XXXX ; was the agreement in writing of the 7 month extension that I NEVER AGREED TO! The supervisor never called me back or sent me anything stating I agreed to the 7 month extension after saying she would send me that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I noticed a hard inquiry on my credit report that I did not authorize. This is concerning, as I did not apply for any credit nor consent to any organization accessing my credit information.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Il XXXX  XXXX XX/XX/2025 XX/XX/, PA XXXX XXXXXX/XX/, TX XXXX  Equifax XXXX XXXX XXXX XXXXXXXX GA XXXXXX/XX/XXXXSubject: Formal Dispute of Inaccurate and Inconsistent Collection Account Reporting Dear Credit Bureau, I am writing to formally dispute the accuracy and consistency of a collection account being reported on my credit file. This account is listed differently across XXXX, XXXX, and Equifax, which violates the Fair Credit Reporting Act (FCRA), specifically your duty under 15 U.S. Code 1681i and 1681e(b) to ensure complete and accurate reporting. Account Details (As Reported Differently Across Bureaus): Credit Bureau Account Status Date Closed Days Late Last Payment Info Collection Date Info TransUnion DerogatoryXX/XX/2025 XXXX No info (payment status) Deragatory (Account status) reports collection: No info Equifax ClosedXX/XX/2025 XXXX Payment status: In collection Reports Collection in XX/XX/2025 Experian Collection No info / Collection status reported in XXXX XXXX Times/days late No info (closing date Reports Collection in XXXX  As you can clearly see: The account status varies among the three agencies. The closing dates do not match. The payment history is either blank or inconsistent. The collection entry date varies significantly. XXXX  reports no payment status or activity at all, yet labels it derogatory, which is misleading and harmful. also payment history chart for Equifax shows No info for each and every month except XXXX. as for XXXX  No data for each and every month except XXXX XXXX XXXX These inconsistencies cause confusion and unfairly damage my credit profile. Legal Violations Noted: Under the Fair Credit Reporting Act (FCRA): You must report only accurate and consistent information. You are required to investigate disputes and correct or delete inaccurate or unverifiable information within 30 days. Reporting materially different data about the same account to different credit reporting agencies can be considered false, misleading, and negligent. Action Requested: I am requesting that you immediately: 1. Investigate this account and obtain complete and verifiable records from the data furnisher. 2. remove all inconsistent or unverifiable information. 3. Provide a method of verification and a full description of the investigation results per FCRA 611(a)(6)(B)(iii). Please send your response and findings to the address listed above within 30 days, as required by law. If this matter is not resolved, I will consider filing a complaint with the Federal Trade Commission (FTC), and consider legal action for damages caused by negligent or willful noncompliance with the FCRA I will Began a suing process. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
Credit reporting agencies are reporting XXXX XXXX Account to my consumer credit report as having delinquent payments. This is incorrect. I have statements of payments made to this account. Further, XXXX XXXX abruptly closed my account without notice. According to the credit report, my last payment was XXXX. However, they are the report show a XXXX payment but nothing for XXXX. I have not missed a payment.

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 2025-06-24 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Following my dispute of inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and comprehensive explanation of the reinvestigation process. Specifically, I asked for details regarding the verification steps taken, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the disputed information.

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 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Collection Analyst Incorporated
State: NE

Complaint narrative:
I am disputing a debt that was reported to collections by XXXXe XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). This account was submitted to collections while a credit card chargeback was still under active investigation with the credit card issuer. 

The chargeback was filed by the actual cardholder ( my mother ) because of poor service and mistreatment at the event. XXXX XXXXXXXX was fully aware that the transaction was under dispute. Despite that, they sent this debt to collections under my name before the investigation was concluded. 

I did not receive a full breakdown of the charges, signed contracts, or proof of any chargeback reversal. I also requested documentation showing the collectors legal right to collect the debt, and none was provided.

This is a violation of : FDCPA ( 15 U.S. 1692e ) false or misleading representation of a debt FCRA ( 15 U.S. 1681s-2 ) furnishing inaccurate info while account is in dispute TILA Regulation Z ( 1026.13 ( i ) ) attempting collection during active billing investigation I am requesting this account be immediately removed from collections and properly retracted until the credit card investigation is complete.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing the reporting of a charged-off account from XXXX XXXX ( Acct # XXXX ). The account was charged off in XXXX, but the credit bureaus continue to report new CO ( Charge Off ) entries monthly through XXXX. This is misleading and potentially a violation of the Fair Credit Reporting Act ( FCRA ), as it creates the appearance of ongoing delinquencies after the charge-off date. 
Additionally, the account shows a recent balance update as of XX/XX/XXXX long after the charge-off with no clear explanation or validation of new activity. 
I have disputed this with the credit bureaus, but the inaccurate data remains. I am requesting the CFPB review this issue and require XXXX  XXXX and the credit bureaus to either : Correct the reporting ( removing repeated CO notations and outdated balance changes ), or Delete the account entirely from my credit report if they can not verify full accuracy of all data. 
This situation is negatively affecting my credit score unfairly and may represent unlawful re-aging of the debt.

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