vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
My former employer, XXXX XXXX XXXX XXXX WA ( XXXX XXXX ) was listed on the XXXX eligibility tool. I worked at the company approximately 5 years. When I ended my employment in XXXX and asked the company to sign the XXXX form, they refused, stating that per the company 's tax analyst and XXXX of Finance determined they were not eligible because " XXXX XXXX XXXX is not tax-exempt under any subsection of the XXXX ( c ) of the federal Internal Revenue Code, and while XXXX is XXXX under the Washington XXXX XXXX, it does not provide any services listed in XXXX of the form itself. '' In XXXX, I sent documentation to the department of education to prove the employer 's tax exempt status. I was later told they were ineligible, but ther are other companies ( medical insurance providers, specifically blue cross/blue shield/blue cross blue shield companies ) that provide the same service as XXXX that still show XXXX eligible employers on the tool.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
They closed my account I never did anything to deserve this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXXXXXX 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 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shepherd Outsourcing, LLC
State: OR

Complaint narrative:
I would like to file this complaint against The XXXX XXXX XXXX and XXXX collections agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of XXXX are involved in the issues regarding an Identity Theft Credit card account was opened under my name without my knowledge this is the account # XXXX that acct doesn't belong to me due to my personnel Identity was stolen my social Security my driver 's license my passport in then I file identity theft with FTC.gov but more than XXXX fake credit cards were opened i have been fighting so hard to remove those from my name right now daily i received harassment email nonstop their place repetitious phone calls or use electronic communications such as text email and social media messages intended to harass oppress or abuse me or any person use obscene or profane language. 
Threaten XXXX or XXXX  Call me without telling me their name. 
False threats to have me arrested. 
I want CFPB to my complaint XXXX and Oregon Attorney general office fore more action taken all of XXXX for legal action because i don't suppose to be harassing for those accts who doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> Title : CFPB XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I've included my formal complaint about the inaccurate credit reporting of a broken lease at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, reported by XXXX XXXX XXXX XXXXXXXX XXXX to XXXX XXXX XXXX XXXX 

Included in this package : CFPB Complaint Letter detailing circumstances, including displacement due to criminal activity and medical necessity related to veteran XXXX. 

Supporting Document Checklist an organized list of attachments for verification. 

I respectfully request that the CFPB review the reporting, direct the correction or removal of the account, and confirm the actions taken. 
I am submitting this complaint regarding a broken lease that XXXX XXXX XXXX XXXX XXXX inaccurately reported on my credit file and submitted to XXXX XXXX XXXX XXXX 

Background : I am the spouse and full-time caregiver of a retired XXXX XXXX XXXX XXXX with XXXX and XXXX XXXX XXXX. 

Our family was forced to leave the apartment at XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XX/XX/year>, due to repeated vehicle vandalism, harassment, and stolen mailincluding VA correspondence. 

Remaining in this residence was unsafe and worsened my husbands medical conditions. Leaving the apartment constituted constructive eviction due to hazardous conditions and medical necessity. 

Police intervention was insufficient despite repeated reports. 

Issue : The landlord/management company reported this account as a broken lease or delinquency. 

This reporting ignores medical necessity and XXXX protections under the Fair Housing Act and the Americans with XXXX XXXX. 

The reporting has negatively impacted my credit and housing access. 

Requested Action : Investigate the reporting of this broken lease. 

Direct correction or removal from my credit reports. 

Confirm corrections are reported to XXXX XXXX XXXX XXXX 

Supporting Documentation : Included in package. 

Sincerely, XXXX XXXX XXXX I was unable to upload a copy of the lease, I also have more pictures and documentation regarding this apartment complex, please do not hesitate to call. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: BTH Management
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me regarding the alleged account referenced in your records XXXX XXXX XXXX ( XXXX ). 

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am exercising my right to request that you stop all contact with me immediately. This includes, but is not limited to, phone calls, letters, emails, text messages, or contact with third parties.

This request does not constitute acknowledgment of the debt, nor does it confirm ownership or responsibility for the alleged account.

You may only contact me to confirm that you have complied with this request.

Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and any other appropriate regulatory authority. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NJ

Complaint narrative:
I accidentally sent money to the wrong person I followed the directions for dispute which I was instructed to request a refund the other person never responded or even accepted the payment after a week I looked and it was still pending. I reached out to cash app and they said they werent gon na refund me because the transaction was completed but the receiving person never spent its just in pending. I did everything I was supposed to do but I was told I would not get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MS

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, CHALLENGED OR NOT.

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 2025-12-29 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: AL

Complaint narrative:
Consumer Name :, Consumer Social Security Number:XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX  # XXXX XX/XX/year> - {$17000.00}

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this response to formally rebut Experians CFPB complaint response dated XX/XX/year>. 



First, Experians response incorrectly implies that I hired or used a credit repair company. This is false. I personally submitted all disputes and correspondence regarding my credit report. At no time did I authorize or retain a third party to act on my behalf. Any references to credit repair organizations are irrelevant, misleading, and do not address the substance of my complaint. 



Second, while Experian states that it contacted the data furnisher ( s ) and that the information was verified, Experian failed to provide any specific details demonstrating that a reasonable investigation was conducted, as required by the Fair Credit Reporting Act.

Notably absent from Experians response is the information required under 15 U.S.C. 1681i ( a ) ( 7 ), including but not limited to : The specific method of verification used The name, address, and telephone number of each furnisher contacted The date ( s ) the furnisher ( s ) were contacted Any documents, records, or evidence relied upon to verify the disputed information A generalized statement that information was verified does not satisfy Experians statutory obligations under the FCRA. Courts have consistently held that automated or conclusory verification processes do not constitute a reasonable investigation, particularly when a consumer has raised specific inaccuracies. 



Additionally, my correspondence was not a renewed dispute, but a lawful request for verification details following Experians claim that an investigation had been completed. Experians failure to address this request constitutes noncompliance with federal law.

Until Experian provides the required Method of Verification information, it can not demonstrate that its investigation met the FCRAs reasonableness standard. If Experian is unable to produce this information, the disputed account ( s ) must be deleted immediately from my credit file.

I respectfully request that the CFPB require Experian to either : Provide full compliance with 15 U.S.C. 1681i ( a ) ( 7 ), or Remove the disputed information due to failure to conduct and document a reasonable investigation. 



I reserve all rights to pursue additional remedies, including complaints with the State Attorney General and legal action for violations of the Fair Credit Reporting Act.

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 2025-12-29 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: IN

Complaint narrative:
I am disputing inaccurate and inconsistent credit reporting related to two tradelines that appear on my credit reports from XXXX, Experian, and XXXX. 
First account ( unsecured installment loan ) : This account reports a high credit amount of approximately {$6600.00} and a current balance of {$0.00}. Despite the XXXX balance, the account is reported inconsistently across the credit bureaus. One bureau reports the account as paid, while others report it as derogatory or collection/charge-off. The account also shows recent activity dates in XXXX, even though the balance is {$0.00} and the account is closed. A closed, paid installment account should not be reporting ongoing derogatory status or new activity dates. This creates contradictory and misleading information. 
Second account ( revolving charge account ) : This account reports a balance of approximately {$750.00} with a reported credit limit of approximately {$600.00} on some bureaus and {$0.00} on others. The account is listed as charged off, yet the balance continues to be reported as active and past due. Additionally, the account includes conflicting closure reasons such as charged off, closed due to inactivity, and canceled by credit grantor. A charged-off account should not continue to generate new activity or payment dates, and reporting multiple contradictory statuses is inaccurate. 
Actions taken : I reviewed my credit reports dated XX/XX/year> and identified these inconsistencies. The reporting does not comply with accuracy and consistency requirements and does not reflect a single, verifiable account history. I am requesting that the credit reporting agencies and furnishers either correct the information to reflect accurate, consistent reporting or delete the tradelines if they can not be properly verified.

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 2025-12-29 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: TN

Complaint narrative:
I am filing this complaint because the credit bureau is reporting multiple inaccurate, incomplete, and unverifiable items on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

My credit file contains charge-offs, collections, late payments, and hard inquiries that include conflicting dates, balances, payment histories, and reporting statuses across bureaus. These inconsistencies demonstrate a failure to maintain maximum possible accuracy as required under 15 USC 1681e ( b ).

Several accounts are being reported without proper validation or permissible purpose under 15 USC 1681b, including collection accounts and hard inquiries for which no signed authorization exists.

In addition, student loan accounts are reporting late payments during periods of deferment or non-repayment, which is factually inaccurate and violates 15 USC 1666b and 15 USC 1637a.

I have submitted formal written disputes along with an FTC report and supporting documentation. Despite this, the credit bureau continues to report these items without providing proper verification as required under 15 USC 1681i. 

These reporting failures are causing ongoing harm to my credit profile and financial standing.

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 2025-12-29 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: TN

Complaint narrative:
I am filing this complaint because the credit bureau is reporting multiple inaccurate, incomplete, and unverifiable items on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

My credit file contains charge-offs, collections, late payments, and hard inquiries that include conflicting dates, balances, payment histories, and reporting statuses across bureaus. These inconsistencies demonstrate a failure to maintain maximum possible accuracy as required under 15 USC 1681e ( b ).

Several accounts are being reported without proper validation or permissible purpose under 15 USC 1681b, including collection accounts and hard inquiries for which no signed authorization exists.

In addition, student loan accounts are reporting late payments during periods of deferment or non-repayment, which is factually inaccurate and violates 15 USC 1666b and 15 USC 1637a.

I have submitted formal written disputes along with an FTC report and supporting documentation. Despite this, the credit bureau continues to report these items without providing proper verification as required under 15 USC 1681i. 

These reporting failures are causing ongoing harm to my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NJ

Complaint narrative:
I recently checked my credit report and noticed accounts that dont belong 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 explanation
Consumer complaint received 2025-12-29 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: MS

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
they kept emailing an even tried to call an send text messages after i told them to stop

Company response to consumer: Closed with non-monetary relief