vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: MS

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute to EXPERIAN regarding inaccurate and incomplete information on my consumer credit report. As of today, XX/XX/XXXX, EXPERIAN has failed to respond, investigate, or correct the erroneous data within the XXXX statutory period mandated by the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ). This failure constitutes a direct violation of federal law and has caused ongoing harm to my creditworthiness and financial standing. Their failure to reinvestigate and verify disputed information mirrors the precedent established in XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), which affirms that a CRA must conduct a reasonable investigation and can not merely regurgitate what data furnishers report. Furthermore, this inaction may also constitute a violation of Mississippi XXXX XXXX. XXXX, which prohibits unfair or deceptive trade practices, including the misrepresentation or concealment of material facts in the course of consumer transactions. Under XXXX. XXXX XXXX. XXXX, consumers are entitled to bring action for deceptive trade practices when damages result from such conduct. 

Additionally, EXPERIANs continued publication of false and inaccurate information violates XXXX XXXX. XXXX ( b ), which requires CRAs to implement reasonable procedures to ensure maximum possible accuracy. EXPERIANs blatant disregard for this obligation and their failure to respond to my written dispute constitutes willful noncompliance, as analyzed in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). This may entitle me to statutory damages of up to {$1000.00} per violation, plus actual and punitive damages, under XXXX XXXX. XXXX and XXXX. These same legal obligations apply to Experian Information Solutions XXXX XXXX, which is also bound by the FCRA to conduct timely and thorough reinvestigations per XXXX, and to ensure accuracy under XXXX ( b ). I am requesting the CFPB take immediate enforcement action to compel XXXX ( and Experian, if applicable ) to correct or permanently delete the disputed data and ensure full compliance with state and federal consumer protection laws.

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 2025-07-06 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-06 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: AR

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Upon enrolling for XXXX course during covid I was told by the enrollment XXXX that I would not owe anything for the course in agriculture and environmental sustainability. My intent was to enhance my life and my childs. Instead I was later surprised to see the there were apts denying us a home due to this being a collection. I have contacted the school to gain more info on what happened and requesting an itemized bill. The person that explained that I would receive a check and not have any balance to repay no longer worked ther and those I spoke to did not have the info. 

I am requesting this be removed from my credit report as it appears XXXX and has created housing instability. 

In addition, I worked as an Instructor for XXXX years at XXXX XXXX XXXX XXXX and from my research this should have helped with knowing about this and forgiving the XXXX course if it was not a grant but rather a loan ; however, the debt seems unreasonable for XXXX online course with no materials issued. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
My identity was stolen, which caused the credit reporting company to list my account as delinquent. I reached out to them explaining the situation which they did not correct. I Never late before with Truist Mortgage. The dates are as followed : XX/XX/year>, XX/XX/year>, XXXX, XXXX, XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Subject : Request for Debt Validation Pursuant to XXXX XXXX. XXXX To Whom It May Concern : I am writing in response to your recent attempt to collect a debt, referenced as Account #, which you allege I owe. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
I hereby request that you validate this debt as required by XXXX XXXX. XXXX ( b ). Specifically, I am requesting the following : The name and address of the original creditor ; The original amount of the alleged debt, and an itemized breakdown of any interest, fees, or charges added ; A copy of the original signed agreement or contract that gives you the right to collect this debt ; Proof that you are licensed to collect debts in my state ( if required ) ; Documentation showing the chain of title ( proof of assignment or sale ) if the debt was purchased or transferred from another entity. 


Until this information is provided, I request that you cease all collection activities, including reporting this debt to the credit bureaus or pursuing legal action. 
Please note that any attempt to validate this debt using only screenshots, spreadsheets, or unverifiable records is not acceptable. I expect clear and complete documentation proving that the debt is valid and that your agency has the legal right to collect it. 
If you can not validate this debt within XXXX days, you must cease collection efforts and delete any reference to this debt from my credit reports in accordance with the FDCPA. 
This is a formal notice, and I am documenting all communications for record-keeping purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: AL

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-06 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurately on my Personal Credit File & Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting this request along with the required documentation and a letter from an advocacy organization assisting me in my recovery as a victim of XXXX XXXX XXXX XXXX XXXX. My situation falls under the protections outlined in the XXXX  XXXX XXXX XXXX, specifically 12 CFR 1002.142 ( b ) ( 4 ) - ( 5 ) through ( 7 ). I respectfully request that all related information and accounts be blocked and removed from my credit report within four business days, as provided under Section 605C of the Fair Credit Reporting Act ( FCRA ). As a victim of human trafficking, I am exercising my right to have any accounts or information resulting from this exploitation removed. I ask that all listed accounts be permanently blocked and any associated company data be deleted from my credit file with TransUnion. Please find below the accounts I am requesting to be deleted : 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

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 2025-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: FL

Complaint narrative:
XXXX {$6000.00} The account has been closed and wrote off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
Incident Report : Discover Unauthorized Charges Time Period : XX/XX/XXXX XX/XX/XXXX Unauthorized Charges from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ) totaling over {$300.00} Dates and Amounts of Charges : XX/XX/XXXX {$25.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$26.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$120.00} Actions Taken by Me : Called Discover multiple times requesting to block unauthorized charges ( starting before XX/XX/XXXX ). 

Requested to close/cancel the card on XX/XX/XXXX. 

Charges stopped after my attempt to close the card. 

XXXX XXXX charged {$120.00} on XX/XX/XXXX. 

Discover explained this charge went through because they blocked payments only up to {$120.00}.

Disputed the {$120.00} charge but Discover did not refund my money.

Actions Taken by Discover : Failed to block unauthorized charges despite repeated requests.

Did not refund the disputed charges.

Did not cancel the card despite my request on XX/XX/XXXX. 

Provided no satisfactory resolution as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EQUIFAX credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections ACCOUNTS-XXXX {$320.00} XXXX XXXX  {$2000.00} XXXX XXXX  {$2500.00} XXXX XXXX {$520.00} XXXX XXXXXXXX {$500.00} XXXX  {$640.00}, {$160.00} {$370.00} XXXX XXXX XXXXXXXX {$9500.00} XXXX {$2200.00} XXXX {$320.00} XXXX XXXX XXXX {$1800.00} These accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Kikoff Inc.
State: VA

Complaint narrative:
kickoff lending is a credit card that isn't a credit card and you pay for the amount of credit when you really dont have a card. I closed the account and KICKOFF LENDING left a bad view on my credit report i was misled from KICKOFF lending and i want this account removed from my XXXX  and my credit file with XXXX  and XXXX. 

i

fled a dispute and they said i have to contact you and each credit reporting bureau. MISLEADING CREDIT ATTEMPT TO BUILD CONSUMERS CREDIT ITS FRAUD!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : FRAUDULENT ACCOUNTS : XXXX ; ACCOUNT # : XXXX ; OPENED ON XX/XX/XXXXXXXX XXXX XXXX ; ACCOUNT # : XXXX ; OPENED ON XX/XX/XXXX FRAUDULENT INQUIRIES : XXXX XXXX ON XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
It is the XXXX XXXX XXXXXXXX which is the due date of makin payment for Capital One Credit Card XXXX XXXX. Before XXXX, I found out that there was a late fee for {$40.00} on my transactions. I called immediately and inquired since it is not XXXX XXXX  yet. I told them that I am trying to make payment but why there was a late fee since it is not XXXX XXXX  yet, XXXX XXXX XXXX. Capital One stated that the payment should have been made by XXXX XXXX  on the XXXX which I was not aware of. 
My full intention was to make the payment before Midnight. The helping customer service said that she will not be able to waive the fee of {$40.00} .. XXXX I asked to be connected with a supervisor which was very rude to me eventhough I explained my understanding of the payment method. I attempted to clarify more. She said she was nt going to waive the fee. I asked to be transfered to another supervisour. She said she was not going to transfer the call to anyone else.

Instead of helping me she hanged up the phone in my face meanwhile I was talking to her..... That was so rude of her. Her name was XXXX XXXX XXXX. I was polite to her and to everyone else, regardless.

I called again and explained the situation to another customer service who said also that he could not help you. I asked to be transfered to a supervisor.... again. I explained the sitauation to the other supervisor who said that she would not be able to help me. I asked her to get the Corporate Office contact information so I can call them t get the help in removing that fee .. She stated that she does not know their contact information and that I have to look for that information on my own. Anyhow I was not going no where with anyone of Capital One.

My situation is that I was not aware of the XXXX XXXX cut off time and it looks that Capital One Credit card took advantage of that. I was sick and that is why I was not able to follow up until the last minute before that payment that I thought it was due.

Due to all above I am submitting this complaint becasue I did not get any help from Capital one customer service agents, nor able to get higher authority to explain my situation and get that help......

Company response to consumer: Closed with monetary relief