vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: OR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly XXXX XXXX XXXX XXXX, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to XXXX XXXX. XXXX, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-15 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: IL

Complaint narrative:
I first had to call in to XXXX XXXX debit card to find out about fraudulent transaction during the month of XXXX XXXXThey sent that claim and account paper work with my balance. I recently in XX/XX/year> an increase in my VA service-connection. So on the phone call the last week of XX/XX/year> I decided to close my active card at the time and get a new replacement card. The one on the customer line for XXXX XXXX said did I want Expedited Delivery, I then said no Ill take general delivery:5 to 7 days. On XX/XX/XXXX I decided to open a savings account with XXXX dollars, all I had in my pocket. The bank consultant ask me if I wanted a checking account or debit card, I then said no but because I didnt have my replacement card I told him when I get my card Ill do that. So when I got home the card was in mailbox and I said to myself Ill do it on Saturday XX/XX/XXXX. To my horror I COULD NOT ACTIVATE MY CARD XX/XX/XXXX. I waited that whole weekend XX/XX/XXXX to XX/XX/XXXX calling XXXX XXXX Debit card phone number ( XXXX ) XXXX CUSTOMER SERVICE. I was on hold 5 times for an hour and half whereas before XX/XX/XXXX it took between ten to fifteen min. for a live person to speak to. So here I am cant pay rent, utilities, and food been with VA social workers helping me. I looked up XXXX and found out that Comerica Bank which is in XXXX, Michigan backs XXXX XXXX debit card as well as the VA which initially presented the option to me in XXXX too has its logo on the card. I had an earlier issue with Comerica bank where they couldnt provide me banking routing number or account number.for travel pay reimbursement from the VA, yea they messed that up too, finally sending me a letter saying they will star the process of sending the money. That was in XX/XX/year>XXXX  and now its XXXX. So in the end I transferred my XX/XX/XXXX to the bank and hopefully that doesnt have any problems. I dont know much about the bank and finance industry but I know I cant access my funds. Thank XXXX for this platform that can possibly help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I received a phone call from Portfolio Recovery Associates, seeking my mother. I informed the collection that I was her son, and that she XXXX XXXX almost 3 years ago. Despite this, the collector repeatedly asked I was her spouse and then if they could speak to my father. I explain again that I am her son and that my mother is XXXX, yet the collector continued to press for information about relatives. 
My mother never used this phone number ; it was previously part of a shared family plan with XXXX. I am not responsible for any debts in her name. 
I believe this conduct may violate the Fair Debt Collection Practices Act ( FDPCA ) which prohibits debt collectors from Continuing communication with someone about a debt once they know the debtor is XXXX. 
Using harassing, oppressive, or abusive behavior. 
Attempting to obtain information about relatives after being informed the debtor is deceased. 

I request investigation into this matter and take appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service International Corp
State: PA

Complaint narrative:
I got a bill from Credit Service International Corp. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX WI XXXX This was for a hospital bill that was paid. 

I informed them of this. They asked to see my bank statement. I said, NO, you prove to me why I didn't pay it. 

They tried to tell me I wasn't attempting to pay. 

They are bullies and using strong arm tactics while refusing to provide me information that the payment was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine BANKRUPTCY - XXXX - Account not mine

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 2025-08-15 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-15 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: MA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Nelnet for refusing to remove late payments from my credit report, despite my disputes and requests for proper validation. Nelnet has continued to report these late payments without providing sufficient proof that the information is accurate, complete, and verifiable as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681iI have also identified inconsistencies in their reporting across different credit bureaus, which is a violation of FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( duty of furnishers to provide accurate information ). These discrepancies have caused significant harm to my credit standing. I request that the Consumer Financial Protection Bureau investigate this matter and require Nelnet to : Provide complete validation of the alleged late payments with supporting evidence ; or Remove the inaccurate late payment history from my credit report with all three major credit bureaus. Attached are copies of my disputes, Nelnets responses ( if any ), and screenshots of the reporting inconsistencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX and XXXX I did not meet the XXXX XXXX XXXX XXXX education prerequisites for the Federal Student Loan. The school 's admission representative misguided me at the enrollment meeting. The 36 years old loans were paid many years ago. I have now applied for Borrower Defense Relief. This issue is pending for review and could take up to 3 years for approval. Meantime the loans should be in forbearance status. I do not owe this debt. I believe I qualify for the Borrower Defense relief due to misconduct by XXXX XXXX XXXX. Approximately in XXXX, XXXX XXXX XXXX admission representative conduct misleads me by failing to inform the required prerequisites for the California XXXX XXXX XXXX XXXX license. The educational prerequisite is a High School diploma or the G.E.D. credentials. At the time of enrollment, I had an XXXX education. The admission representative conduct exhibited a false sense of urgency. That I needed to apply for financial aid, because this opportunity may not be available in the near future. And the admission representative said the Department of Education Student loans would pay for the programs tuition. I had no knowledge about a student loan and that I was required to repay loan. I did not meet the Title IV educational prerequisites for the Federal Student Loan. The high-pressure sales tactics cause me to enroll without all the necessary information for if this school best suits my needs. The admission representative stated that I could open my own Beauty Salon with XXXX XXXX XXXX XXXX Certificate and earn a substantial income. Because of the school statements and the omission to disclose the educational prerequisites for the XXXX  license, I suffered financially. I never opened my beauty salon because of the shame of not having the required education for the XXXX  license or the knowledge on how to obtain the G.E.D. credentials. The admission representative took advantage of my lack of higher education by pressuring me to take the financial aid, that I had to make the decision now, rather than discussing enrollment tuition with my mother. The admission representative pressured me by declaring that the school limited spots for the XXXX XXXX XXXX due to its high demand, that I needed to act now. The financial harm for receiving financial aid led to wage garnishments, not receiving Federal tax refunds, not receiving State tax refunds, bad credit, collection agencies harassment, and not qualifying for future higher education student loans. The ongoing humiliation that the debt has now tripled, even though the loans were paid by wage garnishments, Federal tax refunds, State tax refunds, and payment arrangements. I had no knowledge of all the facts to consider if whether the school was right for me which then imposed shame and a great financial harm. The debt is paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. the CFPB complaint has been filed request pursuant to FCRA 605B ( 15 U.S.C., 1681C-2 ) that you EXPERIAN, TRANSUNION AND EQUIFAX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate and false information consists of personal credit card accounts open from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which has resulted in collection agencies 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 in addition to the fraud this identity theft has also resulted in several hard inquiries that are not mine. I've included a list 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 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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. the CFPB complaint has been filed request pursuant to FCRA 605B ( 15 U.S.C., 1681C-2 ) that you EXPERIAN, TRANSUNION AND EQUIFAX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate and false information consists of personal credit card accounts open from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which has resulted in collection agencies 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 in addition to the fraud this identity theft has also resulted in several hard inquiries that are not mine. I've included a list 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 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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
I am writing to formally dispute and raise concerns regarding the XXXX  data breach involving XXXX, in which the sensitive personal and financial data of approximately 147 million Americans, including mine, was compromised. 
As a result of this breach, I believe that my personal informationincluding but not limited to my name, Social Security number, date of birth, and potentially credit card or financial datawas exposed without my consent due to XXXX XXXX  failure to adequately safeguard consumer data. 



I am writing to formally dispute certain information on my credit report that I believe is the result of the recent XXXX XXXX XXXX data breach and constitutes identity theft. I have never authorized or initiated the accounts, inquiries, or activities in question, and I request immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) 605B and 611.

I was notified that my personal informationincluding potentially my Social Security number, date of birth, and other sensitive identifierswas compromised in the XXXXXXXX XXXX XXXX breach. Since then, I have reason to believe that fraudulent activity has occurred on my credit file.

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 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Oliphant United, Inc.
State: NH

Complaint narrative:
I am submitting this complaint because Oliphant USA , LLC has reported an alleged debt to credit reporting agencies

without providing proper validation or verification, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, 1692e, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), 1681i. Despite repeated requests for validation of the alleged
debtincluding a demand for : The original signed contract or agreement creating the debt, A detailed itemization of the alleged balance, A chain of assignment or proof of ownership, Proof that the debt is not time-barred by the statute of limitations, the company has continued to report the account as delinquent to one or more credit bureaus.

This conduct violates my rights under federal law because : FDCPA 809 ( a ) ( 15 U.S.C. 1692g ( a ) ) : Requires debt collectors to provide validation of the debt upon request. Continuing collection activities without validation is a violation.

FDCPA 807 & 808 ( 15 U.S.C. 1692e, 1692f ) : Prohibits false, deceptive, or unfair representations in connection with the collection of any debt. Reporting an unverified debt constitutes misrepresentation.

FCRA 623 ( a ) ( 3 ) & 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ( b ) ) : Obligates furnishers to report accurate information to credit reporting agencies and to investigate disputed accounts. Failure to validate the debt before reporting is a violation.

Legal precedent : Courts have consistently held that reporting debts that are disputed or unverified may constitute a violation of both the FDCPA and FCRA, including : Dennis v. BEH-1, LLC, 2016 WL 8738694 ( E.D. Mich. 2016 ) reporting unverified debt can constitute FDCPA violation.

Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ) debt collector must cease collection and refrain from reporting if the debt is disputed.

Company response to consumer: Closed with explanation