vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Collection Bureau of Walla Walla
State: WA

Complaint narrative:
I took out a private loan with XXXX XXXX XXXX  in XXXX. I was making payments up until the university stopped sending me statements. I called on multiple occasions and even went to their office to try to rectify the situation. Each time I was told to not worry about it anymore. In XXXX of XXXX  I started receiving statements again and so I started making payments. I started receiving notices that my loan was severely defaulted. I called and talked with the XXXX XXXX, XXXX XXXX. I let him know that I hadn't received a statement in several years and that I had been told on multiple occasions to not worry about it. He said that I was not the only one in this position. That there were hundreds of others. He pretty much said that I should have paid anyway even though I wasn't receiving statements. He got angry that I was calling him out on what he was doing and that I shouldn't even be making payments anyway. He sent me to collections when I was actively making payments. The Collection Bureau of Walla Walla did not do their due diligence of investigating what was really going on before suing me for {$5000.00}. They don't care that I am being falsely accused. They are not presenting to the court all the documents needed. They just submitted what they thought would help them win. I don't think either business is behaving in a way that an upstanding business should be acting. I feel that they should be brought to justice for the wrongs they are doing to me and to others.

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 2025-12-18 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-12-18 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX  XXXX XXXX, XXXX, TX XXXX Last 4 of XXXX : XXXX Company / Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, NY XXXX Account : Alleged XXXX XXXX  Balance {$550.00} Date of Original Dispute Letter : XX/XX/year> Complaint Summary I am disputing an alleged debt reported by XXXX XXXX XXXX for a XXXX account. I sent a certified dispute letter on XX/XX/year>, requesting full validation and proof of this debt, including the original contract, itemized ledger, and documentation showing their legal right to collect. 

The company never responded. 

I then submitted disputes to the credit reporting agencies ( XXXX, XXXX, Equifax ). The only response I received was verified, without any supporting documentation. This is insufficient and violates federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I previously disputed an entry from XXXX XXXX XXXX ( Case ID : XXXX ) with Early Warning Services ( EWS ). EWS subsequently conducted a reinvestigation and provided contradictory results in two letters, both dated XX/XX/year>. 

Letter XXXX stated the disputed information was determined to be " accurate and complete. '' Letter 2 ( in response to my request for verification procedures and documentation ) contained the following explicit admission : " Early Warning does not have access to account documentation that resides within your Financial Institution. Therefore, we are unable to provide copies of documents that your Financial Institution maintains. '' This admission constitutes a clear and willful violation of the Fair Credit Reporting Act ( FCRA ).

Legal Violations : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( Mandatory Deletion ) : The FCRA mandates that if an item of information disputed by a consumer " can not be verified, '' the Consumer Reporting Agency " shall promptly delete that item. '' By admitting they lack access to the underlying documents, EWS has legally defined the entry as " unverifiable. '' 15 U.S.C. 1681i ( a ) ( 1 ) ( Unreasonable Reinvestigation ) : EWS failed to conduct a reasonable reinvestigation by claiming the item is " accurate '' while simultaneously admitting they possess zero evidence ( documentation ) to prove that claim.

Requested Resolution : I demand that Early Warning Services ( 1 ) immediately DELETE the XXXX XXXX XXXX entry from my consumer file, ( 2 ) provide confirmation of its removal, and ( 3 ) update my file to reflect this item was inaccurate/unverifiable and MUST NOT be reported again. EWS must also provide a copy of the procedure used to verify this item after admitting they lack the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Subject : Urgent : Balance Transfer Promotion Not Executed Request for Resolution To Whom It May Concern, I am writing to formally dispute an issue related to a 0 % interest balance transfer promotion I participated in through the JetBlue Credit Card program. 

Under the terms of the promotion, JetBlue was to pay off an existing balance on my XXXX XXXX account. However, despite my participation in the program, no payment has been made to my XXXX XXXX account ending in XXXXXXXX 

At the same time, {$20000.00} was added to my JetBlue credit card balance, which has now been outstanding for more than 30 days. Because the promised payment to XXXX XXXX was never completed : I have incurred recurring monthly interest charges on my XXXX XXXX account My available credit has been reduced by {$20000.00} I am carrying an unintended and unresolved financial burden due solely to JetBlues failure to execute the balance transfer as agreed I have contacted customer service and requested proof of payment to XXXX XXXX. To date, none has been provided. I have also requested either : 1. Immediate proof that the balance transfer was completed, or 2. Cancellation of my participation in the balance transfer program, including : Removal of the {$20000.00} balance from my JetBlue account Reimbursement of all interest charges incurred on my XXXX XXXX account as a direct result of this error This situation is causing ongoing financial harm and must be resolved immediately. If this matter is not corrected promptly, I will be forced to escalate my complaint through appropriate consumer protection and regulatory channels. 

Please provide written confirmation of resolution within 10 business days.

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 2025-12-18 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: AR

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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NV

Complaint narrative:
I am filing a formal complaint regarding inaccurate, incomplete, and potentially unverifiable information reported by Experian, Equifax, and TransUnion on my credit reports. The items in dispute include inaccurate addresses ( XXXX XXXX XXXX, XXXX XXXX, NV, XXXX and XXXX XXXX XXXX, XXXX XXXX, NV, XXXX ), charge-offs reported by XXXX XXXX {$910.00}, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$520.00}, XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX collections reported by XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$250.00}, and hard inquiries reported by 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 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 items are inaccurate, outdated, or unverifiable, and their reporting violates multiple provisions of the FCRA including 605 ( a ), 604 ( a ), 609 ( a ) ( 1 ), 611, and 623 ( a ) ( 5 ), as well as sections of the FDCPA 807, 808, and DCPA 809. These inaccuracies collectively misrepresent my creditworthiness, cause undue stress, and may have affected my ability to access credit, housing, and other financial opportunities.

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 2025-12-18 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: NV

Complaint narrative:
I am filing a formal complaint regarding inaccurate, incomplete, and potentially unverifiable information reported by Experian, Equifax, and TransUnion on my credit reports. The items in dispute include inaccurate addresses ( XXXX XXXX XXXX, XXXX XXXX, NV, XXXX and XXXX XXXX XXXX, XXXX XXXX, NV, XXXX ), charge-offs reported by XXXX XXXX {$910.00}, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$520.00}, XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX collections reported by XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$250.00}, and hard inquiries reported by 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 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 items are inaccurate, outdated, or unverifiable, and their reporting violates multiple provisions of the FCRA including 605 ( a ), 604 ( a ), 609 ( a ) ( 1 ), 611, and 623 ( a ) ( 5 ), as well as sections of the FDCPA 807, 808, and DCPA 809. These inaccuracies collectively misrepresent my creditworthiness, cause undue stress, and may have affected my ability to access credit, housing, and other financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: AR

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: MS

Complaint narrative:
( CREDIT MANAGEMENT COMPANY ) This is a formal request for validation and proof of authority to collect on the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

You are hereby required to provide all of the following documentation within 3 days of receiving this letter : 1. Proof that the alleged debt has been securitized ; 2. A complete copy of the purchase agreement or forward flow agreement, including all terms and conditions, between your company and the original creditor ; 3. If you are acting on behalf of the original creditor, the fully executed agreement between your company and the original creditor, authorizing you to collect this specific debt ; 4. Evidence of chain of title ( UNBROKEN ) and legal standing to collect ; 5. The original signed contract creating the obligation, with terms and conditions CEASE COMMUNICATIONS : As of this notice, you are prohibited from contacting me in any manner unless your communication includes all & only the specific items requested above within 3 days ( THIS MUST BE WRITTEN COMMUNICATION ONLY ). ANY OTHER communication including but not limited to additional collection notices, account updates, threats, settlement offers, phone calls, language about anything other than what was requested or emails will be considered a direct violation of 15 U.S.C. 1692c ( c ) and 15 U.S.C. 1692e.

Furthermore, if you can not provide all of the requested documentation within 3 days : - You are to immediately delete any and all reporting related to this alleged debt from all consumer reporting agencies ( CRAs ), pursuant to your responsibilities under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ). ( Estoppel by silence means you had a chance to speak but didnt )- You are to cease all collection activities permanently ; - You are to refrain from any further communication of any kind with me ; ( Cease all Communications ) ( I refuse to pay any debt you claim I owe ) ( All items must be from your company or you violate the cease communications if someone else sends it )- You must Immediately comply with the above. ( Nothing else will be accepted after 3 days when you receive this letter ) ( Anything sent after the 3 day window will violate the cease all communications ) Any non-compliance or improper communication will be considered willful misconduct and may subject your agency to civil liability under 15 U.S.C. 1681n ( FCRA ) and 15 U.S.C. 1692k ( FDCPA ), including because ( CREDIT MANAGEMENT COMPANY ) is the one reporting the account to the credit reporting agencies and no one else.

You must either ( 1 ) provide all requested documents within 3 days or cease reporting and contact altogether. There is no third option.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: WA

Complaint narrative:
I am submitting this complaint because Experian and the listed collection agencies are reporting fraudulent collection accounts that are the direct result of identity theft, despite the existence of a formal FTC Identity Theft Report and my clear dispute of these debts. 

I am a confirmed victim of identity theft and filed an official Identity Theft Report with the Federal Trade Commission under FTC Report Number XXXX. That report identifies XXXX collection accounts that were opened without my knowledge, authorization, or consent and confirms that I did not incur these debts. Copies of the FTC report are attached to this complaint. 

The first fraudulent account is being reported by XXXX under account number XXXX, allegedly associated with XXXX XXXX XXXX, showing a balance of {$4200.00}. I never signed a lease, contract, or agreement with this creditor and never authorized any charges or collection activity. I did not receive services, housing, or any benefit related to this alleged obligation. 

The second fraudulent account is being reported by XXXX XXXX XXXX under account number XXXX, allegedly originating from The Guarantors, with a reported balance of {$7000.00}. I never entered into any agreement with this company, never authorized any financial obligation, and never benefited from this alleged account. 

These accounts are not the result of any legitimate consumer transaction initiated by me. I believe my personal identifying information was compromised due to multiple data breaches in recent years, and these collection accounts are the result of unauthorized use of my identity. 

Under the Fair Credit Reporting Act Section 605B, once an identity theft report is provided, consumer reporting agencies are required to immediately block the reporting of identity theft related information. Under Section 605C, any reinsertion of such information is prohibited unless the furnisher certifies accuracy and provides advance written notice to the consumer. Despite these clear legal requirements, Experian continues to report these fraudulent collection accounts, and the collection agencies continue furnishing unverifiable information. 

Additionally, these collection accounts have not been validated under FCRA Section 623 or the FDCPA. No signed contracts, itemized statements, proof of consumer authorization, or verified chain of assignment have been produced. The continued reporting of these accounts is inaccurate, misleading, and unlawful. 

This improper reporting has caused measurable harm, including credit score suppression, denial of credit opportunities, and financial stress. The continued failure to block and remove these accounts after submission of an FTC Identity Theft Report represents a serious breakdown in compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
This debt is time served well over 7 years and need to be removed from credit report immediately. It's affecting me due to the fact it was sold * which was not advised of or acknowledged * which violate my rights. Now it's well over time and I'm continuously receiving calls throughout the days

Company response to consumer: Closed with explanation