vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-05-12 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 ) 281 SW 715.719. I pressume 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 2025-05-12 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I previously disputed an account reported by XXXX to XXXX They claimed it was verified, but I never received any proof or documentation showing how they verified it. I believe this account is inaccurate or should not be on my report at all. Im asking for help to get this properly investigated or removed, as it's affecting my credit and financial opportunities. This should be removed I have a police report for this account

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 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: NM

Complaint narrative:
Case # XXXX : Fay servicing is incorrect that a payment for XXXX was missed. Form XXXX Response to Notice of Final Cure Payment along with the payment verifications were submitted to XXXX XXXX  XXXX and to Fay Servicing and was filed by the court on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
bXXXX XXXX XXXX  I, XXXX XXXX, received broken jewelry and attempted to dispute the charge through Paypal. Since XXXX XXXX  Paypal has attempted to close the case in the sellers favor although I am the one who rec'd a broken product. I have provided proof of return and still no refund has been provided.  \n\nReturned Package USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX  Delivered XXXX XXXX\n\nPlease help. XXXXXXXX XXXX XXXX"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume 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 2025-05-12 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: Consumer Portfolio Services, Inc.
State: DC

Complaint narrative:
To Whom It May Concern, XX/XX/XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XX/XX/XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XX/XX/XXXXhas neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XX/XX/XXXXs inaction violates federal law and my rights as a consumer. 

I am writing to formally dispute multiple inaccuracies on my credit report. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. 

Below is a list of the items I am disputing : ACCOUNTS XXXXXX/XX/XXXXXXXX, XX/XX/XXXX AND CONSUMER PORTFOLIO SERVICE XX/XX/XXXX INQUIRIES XXXX XXXX XXXX - XXXX XXXX, XXXXXX/XX/XXXXI demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit disputes. 

I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit disputes. 

Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing E complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing a lawsuit to seek damages for non-compliance.

I expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further.

Enclosed, you will find copies of all relevant documentation to support my dispute. If you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments, paid-closed accounts, and collections which I noticed severe inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments, paid-closed accounts, and collections which I noticed severe inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-12 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC
State: TX

Complaint narrative:
1st I received a unsolicited text Without my Permission. She Continued to say it is way to communicate, I request no text and no phone calls> I than asked her if she was made aware I had already disputed this debt with and received no response. She basically said that was not her concern and I could dispute it with them. I explain I am not required ot dispute it with them, it is their responsibility to insure they are collecting availed debt, she was quick to inform me I was wrong, and They would continue to try and collect the debt and refused to place the debt in dispute, she was clear to tell me that it would still remain in collections and though she said they will reach out to the facility, she said there was no guarantee or time frame to validate the debt. I had to Block my personal cell phone number and report it as Spam. She made sure to tell me before the end of the call that I will remain in collections, ,without placing the account in Dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
Recently, I noticed a fraudulent account with XXXX XXXX showing a balance of {$1100.00}. I did not apply for credit with XXXX and did not authorize this account. I believe this activity is the result of identity theft, likely connected to a data breach. I have since taken steps to dispute this item with the credit bureaus and have requested that it be blocked and deleted under XXXX XXXX. XXXX ( a ).

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 2025-05-12 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 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: OH

Complaint narrative:
I am writing to file a dispute regarding a creditor and credit reporting agencies that have broken consumer laws by reporting numerous inaccurate accounts on my consumer report. I am seeking your assistance in holding these companies accountable for their actions and correcting the inaccurate information on my consumer report.

I have already put both the credit reporting agencies and the furnishers on notice regarding the inaccuracies on my consumer report. Despite this, no action has been taken to correct these errors, which continue to cause me extreme harm. The inaccuracies on my consumer report have prevented me from obtaining credit, employment, and other opportunities that require a clean credit history.

I am requesting that your agency investigates this matter and takes the necessary steps to ensure that these companies are held accountable for their actions. I am also requesting that the inaccurate inquiries on my consumer report be removed and corrected immediately. I believe that your agency has the power to protect consumers like myself, and I hope that you will take this complaint seriously.

Thank you for your attention to this matter. I look forward to hearing from you soon.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/year> the XXXX XXXX granted me Permanent and total XXXX. Subsequently, I requested a Permanent and Total XXXX Discharge from my student loan but they have not discharged my loan. I request that my student loan be discharged immediately due to permanent and total XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: NY

Complaint narrative:
Contract for XXXX was opened XXXX. The debt collector agency XXXX XXXX Zions Debt Holdings, XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX to report a time barred debt and expired contract on my report. This has cause major damage to my financial opportunities and developing my credit. I have made it clear to Zion debt holdings via certified mail to cease and desist this time barred debt to XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NV

Complaint narrative:
I am writing in response to your [ letter/phone call ] dated regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation and verification of this debt.

Please provide the following information : 1. The amount of the debt owed.

2. The name of the creditor to whom the debt is currently owed.

3. A copy of the original contract or agreement that created the debt.

4. The date the debt was incurred.

5. A detailed statement of the account showing the current balance, payments made, and charges added.

6. Proof that you are authorized to collect debts in my state.

Please cease all collection activities until you have provided the requested validation. Under the FDCPA, I have the right to request this information, and your failure to provide proper validation may be considered a violation of my rights. 
Please respond in writing within 30 days of receipt of this letter. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IN

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

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