vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: NC

Complaint narrative:
Hunter Warfield is collecting and furnishing a rental balance for XXXX XXXX ( approx. {$14000.00}, Acct XXXX ). I asked for validation including ( XXXX ) the signed lease, ( XXXX ) the final move-out statement with line-item charges, ( XXXX ) a complete ledger, and ( XXXX ) proof that Hunter Warfield has legal authority to collect ( assignment/placement ). What I received was incomplete and did not show their authority to collect, how each fee was calculated, or that their initial validation notice was mailed to me within 5 days of first contact. 
Reporting is inconsistent across bureaus for the same account ( e.g., XXXX  = XXXX, XXXX  = XXXX ), which indicates inaccurate furnishing. I also dispute add-on fees that dont appear tied to the lease or to law. Ive disputed with the CRAs, but they came back verified without addressing these issues. This fails the FCRAs accuracy/reinvestigation duties and the FDCPAs requirements around validation/false representations. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Collection Accounts & Other Accounts in Error Please refer to my previous correspondence for supporting details. The following accounts require immediate reinvestigation, validation, or deletion if they can not be fully verified : PORTFOLIO RECOV ASSOC XXXX XXXX XXXX Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unverifiable information, and you must conduct a reasonable reinvestigation within 30 days. Additionally, under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), debt collectors are required to provide proper validation of a debt upon request. If validation can not be provided, these accounts must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 complaint to formally dispute multiple inaccuracies appearing on my credit report from Experian/TransUnion/Equifax . These errors include incorrect addresses, late closed accounts, and charge-offs, which are adversely affecting my creditworthiness.The following addresses are being reported in my credit file but do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Reporting addresses that are not associated with me violates FCRA 609 ( a ) ( 1 ), which guarantees the right to obtain accurate personal information on my credit report.The following accounts are being reported as late or delinquent even though my records show they were handled responsibly : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : -- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : -- XXXX XXXX XXXX * * Balance Owed : - FCRA 623 ( a ) ( 5 ) obligates furnishers to report accurate dates of last activity and true payment history, and FCRA 1681i ( a ) requires credit reporting agencies to conduct reasonable reinvestigations when disputed information is reported. I request these accounts be corrected to reflect their true status or removed if verification can not be provided.The following charge-offs are being reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$17000.00} These entries may be inaccurate, incomplete, or misleading, and continuing to report them violates FCRA 605 ( a ), which prohibits inclusion of obsolete or misleading negative information, and FCRA 607 ( b ), which requires agencies to maintain maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccuracies appearing on my credit report from Experian/TransUnion/Equifax . These errors include incorrect addresses, late closed accounts, and charge-offs, which are adversely affecting my creditworthiness.The following addresses are being reported in my credit file but do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Reporting addresses that are not associated with me violates FCRA 609 ( a ) ( 1 ), which guarantees the right to obtain accurate personal information on my credit report.The following accounts are being reported as late or delinquent even though my records show they were handled responsibly : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : -- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : -- XXXX XXXX XXXX * * Balance Owed : - FCRA 623 ( a ) ( 5 ) obligates furnishers to report accurate dates of last activity and true payment history, and FCRA 1681i ( a ) requires credit reporting agencies to conduct reasonable reinvestigations when disputed information is reported. I request these accounts be corrected to reflect their true status or removed if verification can not be provided.The following charge-offs are being reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$17000.00} These entries may be inaccurate, incomplete, or misleading, and continuing to report them violates FCRA 605 ( a ), which prohibits inclusion of obsolete or misleading negative information, and FCRA 607 ( b ), which requires agencies to maintain maximum possible accuracy.

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 2025-10-01 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: LEXISNEXIS
State: NY

Complaint narrative:
UPON CHECKING MY LEXISNEXIS I NOTICED QUESTIONABLE ITEMS REGAURDING MY XXXX  REPORT AND XXXX AND ADRESSES AND EMAIL ADDRESSES ONLY EMAIL IM ASSOCIATED WITH IS XXXX THE REST MUST BE DELETED THE ONLY ADRESSES IM ASSOCIATED WITH IS XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX AND XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX THE REST MUST BE DELETED THE XXXX REPORTS XXXX XXXX MUST BE INVESTIGATED AND REMOVED THE XXXX XXXX XXXX AND XXXX MUST BE DELETED DUE TO STATUE OF LIMITATION EXPIRED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully object to items associated with accounts opened without my approval. Conduct a thorough review and expunge them. Supporting records accompany this request.I challenge the reporting of entries stemming from accounts not established by me. Kindly investigate in detail and remove them. Documentation has been enclosed.

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 2025-10-01 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Clasp Group, Inc.
State: MA

Complaint narrative:
Starting on XX/XX/XXXX, I submitted documentation to the debt collector requesting financial hardship assistance. This included exit checklist of my previous employer, screenshots of my job applications to demonstrate my current financial situation. 

Despite these submissions, the company increased my monthly payment from {$300.00} to {$330.00} without my consent while I am enrolled in automatic payments. This amount does not reflect my current income and was applied unilaterally. 

I have made multiple attempts to have my hardship acknowledged, but the company has ignored my requests and has not provided any reasonable repayment arrangement. Additionally, the company has continued to contact me by phone, including calls that could be considered harassing, despite my requests for written communication only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
My federal student loans include Borrower Defense eligible loans and other consolidated loans. I applied for Borrower Defense and was informed that no interest would accrue during review. I was also eligible for 0 % interest under COVID relief and enrolled in the SAVE plan. Despite this, my servicer has applied interest while my loans were in deferment, creating significant financial hardship. I have documentation showing my SAVE enrollment and prior communications with the servicer that are no longer available online. I request the CFPB review whether interest accrual was applied correctly, ensure federal protections are honored, and correct any improper charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: KS

Complaint narrative:
I received a notification about a closed collection account on my credit report from Caine and Weiner debt collection company about a progressive insurance debt I had, however, I have never received any communications from them, and by the time I got the notification that there was a change to my credit report and that this collection account had been added and then paid/closed, I had already paid the balance owed directly to the original creditor. Caine and Weiner and XXXX may have sent communications out but I never received them because there has been issues at my new address with getting mail since its new construction and thats not something I can control. Now they are reporting the balance as paid XXXX  on my credit report and have left the collection account on my credit report as closed/paid, but I never had anything to do with their company. The only communications were done and handled through the original creditor XXXX, not the collection agency. I had no idea the account was sent to Caine and Weiner because XXXX also did not notify me of this directly, and when I logged into my online portal to make the payment to Progressive, I was able to pay XXXX directly. The collection agency should not act as if though I communicated with them and paid them directly because that did not happen, because it was only after I had paid Progressive that I happened to look at my credit report and it showed that I had the collection with Caine and Weiner. Currently on my XXXX account, on my end it shows that the account was actually sent to collections with a XXXX balance the day I made the payment, after I made the payment. Caine and Weiner also was collecting on {$250.00} when the actual balance owed to XXXX  was {$250.00}, which is incorrect/false information and another reason why this collection account should not appear on my credit report or be reported on my credit report whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: WA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-01 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: OK

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
I challenge the presence of items reflecting accounts not established by me. Kindly perform an exhaustive investigation and remove them. Evidence is attached.

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 2025-10-01 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: VA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/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 2025-10-01 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 hereby dispute the reporting of accounts not authorized by me. Kindly investigate and expunge them. Documentation accompanies this submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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