vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent item from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the item listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: PA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent item from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the item listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-09-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

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 2025-09-01 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, which is reporting a fraudulent and unverifiable account on my consumer credit file. 

Creditor/Agency Name : XXXX Amount Reported : {$2700.00} Status Reported : Closed Credit Bureaus Reporting : Experian, Equifax, and TransUnion This account is not mine and is being wrongfully reported. I have already disputed this item with the credit bureaus and provided them with my identity theft report, copy of government-issued identification, and proof of address. Despite this, the account remains on my file.

Violations : FCRA 15 U.S.C. 1681c-2 ( 605B ) : Requires blocking and removal of identity theft/fraudulent accounts within 4 business days once documentation is provided.

FCRA 15 U.S.C. 1681i : Requires credit bureaus to conduct a reasonable reinvestigation of disputed items within 30 days.

FDCPA 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representation of debt. 

By continuing to report this account, XXXX and the credit bureaus are willfully violating federal law.

Requested Relief : Immediate blocking and permanent deletion of this account from all credit reports. 

Written confirmation of deletion provided to me. 

Enforcement action against XXXX for repeated violations of the FCRA and FDCPA. 

This fraudulent and unverifiable account has caused substantial harm to my credit profile and financial stability. I request CFPB intervention for immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
I HAVE CONTINUOUSLY COMPLAINED AGAINST THIS COMPANY. FIRST IT WAS FOR XXXX FOR A DEBT PER COX. I EXPLAINED I TURNED EQUIPMENT IN AND NO LONGER OWE COX. I OPENED ANOTHER ACCOUNT WITH XXXX AND HAVE SINCE THEN EXPLAINED I DONT OWE THEM ANYTHING AFTER RETURNING EQUIPMENT. MY COX IS XXXX DOLLARS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiry XXXX XXXX XXXX XXXX To Whom It May Concern, I am disputing the accuracy of a hard inquiry that appears on my TransUnion credit report. The inquiry in question is : XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX I did not authorize this inquiry and have no record of applying for credit with XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I request that this inquiry be investigated and removed immediately if it can not be verified as authorized. 

Please conduct your investigation and provide me with written confirmation of the results. 

I have enclosed a copy of my government-issued ID and proof of address to assist with verification. 

Thank you for your prompt resolution of this matter. 

Sincerely, 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 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Received a call that says portfolio recovery, on XX/XX/year> at XXXX representative failed to identify themselves as a debit collector or the purpose of the phone call as required by the fdcpa

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: WI

Complaint narrative:
Product : Debt Collection Sub-product : I do not know Issue : Attempts to collect debt not owed Sub-issue : Debt is not yours Company : Continental Finance Company , LLC ( also list Celtic Bank if applicable ) What happened : On or around XX/XX/2025, a collection account associated with Continental Finance Company , LLC and Celtic Bank appeared on my credit report. I dispute the validity of this account and assert that it is not mine. No original contract, itemized breakdown, or chain of title has been provided.

I have submitted formal requests for validation, including proof of ownership, permissible purpose, and a complete accounting of charges. To date, the collector has failed to produce any legally sufficient documentation. The account appears to be the result of erroneous reporting or improper assignment. 

I demand immediate deletion unless full documentation is provided. I reserve all rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) and request that this matter be escalated for manual review.

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 2025-09-01 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX, which is unlawfully reporting a fraudulent and/or unverifiable account on my consumer credit file. 

Creditor/Agency Name : XXXX XXXX XXXX XXXX XXXX Amount Reported : {$110.00} Status Reported : Closed Credit Bureaus Reporting : Experian, TransUnion, and Equifax This account does not belong to me and has not been properly validated. I have already disputed this account with the credit bureaus, providing my identity theft report, government-issued ID, and proof of address. Despite this, the account continues to appear on my credit reports. 

Violations : FCRA 15 U.S.C. 1681c-2 ( 605B ) : Requires blocking of fraudulent/identity theft accounts upon submission of an identity theft report.

FCRA 15 U.S.C. 1681i : Requires reasonable reinvestigation of disputed accounts within 30 days.

FDCPA 15 U.S.C. 1692e : Prohibits furnishing false or misleading representations regarding debt. 

By continuing to report this account, XXXX XXXX XXXX XXXXXXXX XXXX and the consumer reporting agencies are in direct violation of federal law. 

Requested Relief : Immediate blocking and deletion of this account from all credit bureau files.

Written confirmation of deletion. 

Enforcement action against XXXX XXXXXXXX XXXX XXXX for repeated violations of the FCRA and FDCPA. 

This account is fraudulent, unverifiable, and has caused ongoing harm to my credit standing. I request urgent CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Automatic Renewals when instructed Not to Renew it. 
My instructions To : Synchrony Bank XXXX Support Date : XX/XX/XXXX " On maturity please move the balance in IRA account ... XXXX to IRA XXXX. Please do not renew the IRA XXXX after its maturity date XX/XX/XXXX ) " Synchrony Bank XXXX : " We received your message on XX/XX/XXXX at XXXX AM EST. We already have a case to process this request to move the funds from XXXX XXXX XXXX to the XXXX XXXX.... XXXX but it is set to be done on XX/XX/XXXX because the date of maturity falls on the weekend and Monday is a holiday. I believe you called in and requested it on XX/XX/XXXX. Thank you for checking ''. 

Synchrony Bank, however, still renewed my IRA XXXX for XXXX and did not transfer funds to IRA Money Market Account preventing me to move money to another financial institution. 
Looks this action by Synchrony Bank is by design so Consumers who dont monitor their account get stuck with lower CD rates with automatic renewal on maturity.

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 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Most of the check deposits I make at Bank Of America are put on hold, and my account is business. This is causing a great loss for my company. 

I've already asked for information about why, they never answer. 

I've never had any problems with a returned check, but the holds persist.

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 2025-09-01 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:
I am submitting this formal complaint against Equifax for multiple and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. Despite providing a valid FTC Identity Theft Report and supporting documentation, Equifax has failed to conduct a reasonable investigation, failed to provide me with investigation results within the required 30-day timeframe, and failed to block fraudulent information as mandated under 15 U.S.C. 1681i and 1681c-2. The fraudulent accounts in questionspecifically the repeated Department of EducationXXXX accountsremain on my credit file despite my clear evidence of identity theft. This misconduct has caused significant harm to my credit standing and demonstrates a blatant disregard for federal law. 

DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The inquiries were not supposed to been hard pulled inquiries when I try to explain that to TransUnion they wasn't trying to help me in no kind of way

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Deptednelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Find Addresses for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information pursuant to 15 U.S.C. 1681i To Whom It May Concern : I am writing to dispute inaccurate information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
The following item is inaccurate and should be investigated and removed : Creditor Name : Deptednelnet Account Number : XXXX Disputed Item : The late payment ( s ) reported on [ XXXX, XXXX ] and/or Stating Past Due 90 Days. 
Reason for Dispute : This late payment is inaccurate. Billing error : I never received a statement for this period, leading to a missed payment that was not my fault. 
I have enclosed a copy of my credit report with the disputed item circled, as well as Disputed on XXXX  to support my claim. 
Please investigate this matter and delete the inaccurate late payment from my credit file immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CCF Intermediate Holdings LLC
State: OK

Complaint narrative:
This holdings company pulled a hard inquiry on my report without knowledge and I am paying XXXX  XXXX to not allow this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: AL

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : 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  Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-09-01 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: AL

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : 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  Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against TransUnion, Experian, and Equifax for inaccurate reporting of aXX/XX/XXXX Bankruptcy, Case No. XXXX. 
This bankruptcy is being reported on my credit file, but it is inaccurate, unverifiable, and incomplete under the Fair Credit Reporting Act ( FCRA ). The U.S. Bankruptcy Courts do not furnish consumer information directly to the credit bureaus. Instead, they rely on third-party data providers such as XXXX and XXXX. 
I have already submitted and received confirmation of suppression from XXXX ( ConfirmationXX/XX/XXXXXXXX ). This proves that the data can not be independently verified by the credit bureaus. 
I am requesting that the CFPB require the deletion of this bankruptcy from all of my credit reports immediately, pursuant to FCRA 607 ( b ) and 611, since the bureaus can not identify or validate any original furnisher of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against TransUnion, Experian, and Equifax for inaccurate reporting of aXX/XX/XXXX Bankruptcy, Case No. XXXX. 
This bankruptcy is being reported on my credit file, but it is inaccurate, unverifiable, and incomplete under the Fair Credit Reporting Act ( FCRA ). The U.S. Bankruptcy Courts do not furnish consumer information directly to the credit bureaus. Instead, they rely on third-party data providers such as XXXX and XXXX. 
I have already submitted and received confirmation of suppression from XXXX ( ConfirmationXX/XX/XXXXXXXX ). This proves that the data can not be independently verified by the credit bureaus. 
I am requesting that the CFPB require the deletion of this bankruptcy from all of my credit reports immediately, pursuant to FCRA 607 ( b ) and 611, since the bureaus can not identify or validate any original furnisher of this 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 2025-09-01 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:
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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: IL

Complaint narrative:
I received a letter in the mail from Grant & Weber XXXX based in California, a supposed debt collector for a relatively small amount of medical expenses incurred during a inpatient treatment facility ( XXXX XXXX, XXXX XXXX, IL ) around the year XXXX. After researching on how to proceed, I contacted the phone number listed on the letter to receive a verification of debt letter, and talked with a man ( whose name I don't know ). The email of this notice was never received so I called again On XX/XX/XXXX. The phone call announced that it would be recorded, then I reached the same man, who asked for my information, including my social security number so he could look me up in his system. I haven't a lot of thought to the sensitivity or vulnerability of the matter, by sharing the information as much as it would be not sharing and I had mistakenly gave out my full social security number.

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