vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report, as they appear to be inaccurately reported or require further investigation : XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} The following inquiries are also disputed as they may not have been authorized or may not be accurately reported : XXXX XXXX XXXX  Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX DatXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Dates : XX/XX/XXXXXXXX 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 2025-11-03 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: IA

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX  days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Balance {$520.00} Therefore, the following accounts must be deleted from my report immediately.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Violations FCRA 607 ( b ) : Contradictory/duplicate reporting is inaccurate.

FCRA 611 ( a ) : Must provide original loan documents.

FCRA 623 ( a ) ( 3 ) : Furnisher must correct or delete.

Higher Education Act 1080a : Misreporting deferments/forbearances violates HEA.

Metro 2 : DOFD can not be re-aged ; deferments can not be coded as late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
The company ( Wells Fargo ) claimed not to have any knowledge of principal payments made to them ontop of the regular monthly payments. So the company took interest payments out of those extra payments made by XXXX XXXX XXXX, which instructed Wells Fargo to apply those extra payments to principal only. By not applying these non interest payments to my loan like instructed has extended my loan payment period.

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 2025-11-03 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 am a consumer who is actively working to fix my credit report, and I respectfully request that each of the following items be reviewed and corrected to ensure they are accurately reflected. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 


Charged Off Accounts : XXXX  XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I was forced to file for XXXX  XXXX bankruptcy protection in the XXXX XXXX XXXX Texas ( Case No. XXXX ), assigned to XXXX XXXX XXXX XXXX XXXX This filing is directly tied to financial harm that I sustained while I was under coercion and victimization as a XXXX XXXX survivor. 
During and after the period of victimization, I experienced prolonged financial instability, forced debt obligations, housing insecurity, and manipulation that left me without access to safe, independent income. As a result, I was left with no viable financial alternatives but to enter into a structured repayment plan through the bankruptcy courtstrictly as a survival measure, not as an act of financial mismanagement. 
In accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ) and its implementing regulation 12 C.F.R. 1022.142, I submitted a complete request to the major consumer reporting agencies ( Experian, Equifax, TransUnion ) and XXXX XXXX XXXX, requesting the blocking of this adverse item ( the bankruptcy filing ) from appearing on my credit reports. My submission included : A written request specifically identifying the item ( XXXX XXXX Bankruptcy, filed XX/XX/year> ) My self-attestation as a XXXX  victim A government-issued ID Supporting agency documentation confirming my XXXX  victim status Despite the clear statutory requirements under Section 605C, I remain concerned that this bankruptcy may still be reported or made accessible by credit reporting agencies, which would constitute a violation of my rights under federal law and continue to harm me financially, socially, and psychologically.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I was forced to file for XXXX  XXXX bankruptcy protection in the XXXX XXXX XXXX Texas ( Case No. XXXX ), assigned to XXXX XXXX XXXX XXXX XXXX This filing is directly tied to financial harm that I sustained while I was under coercion and victimization as a XXXX XXXX survivor. 
During and after the period of victimization, I experienced prolonged financial instability, forced debt obligations, housing insecurity, and manipulation that left me without access to safe, independent income. As a result, I was left with no viable financial alternatives but to enter into a structured repayment plan through the bankruptcy courtstrictly as a survival measure, not as an act of financial mismanagement. 
In accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ) and its implementing regulation 12 C.F.R. 1022.142, I submitted a complete request to the major consumer reporting agencies ( Experian, Equifax, TransUnion ) and XXXX XXXX XXXX, requesting the blocking of this adverse item ( the bankruptcy filing ) from appearing on my credit reports. My submission included : A written request specifically identifying the item ( XXXX XXXX Bankruptcy, filed XX/XX/year> ) My self-attestation as a XXXX  victim A government-issued ID Supporting agency documentation confirming my XXXX  victim status Despite the clear statutory requirements under Section 605C, I remain concerned that this bankruptcy may still be reported or made accessible by credit reporting agencies, which would constitute a violation of my rights under federal law and continue to harm me financially, socially, and psychologically.

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 2025-11-03 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 am disputing the following charged-off accounts on my TransUnion credit report, as they appear to be inaccurately reported or require further investigation XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} The following inquiries are disputed as they may not have been authorized or may not be accurately reported : XXXX XXXX  Dates : XX/XX/XXXX, XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : 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 2025-11-03 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: NJ

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-03 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ

Complaint narrative:
I am filing this complaint regarding a license hold placed by the XXXX XXXX XXXX XXXX Michigan, which I discovered on XX/XX/XXXX while attempting to renew my drivers license through the New Jersey XXXX XXXX XXXX ( XXXX ). 
The court record reflects a balance of {$320.00}, with XXXX of Michigan listed as the plaintiff. However, the law firm Weltman , Weinberg & Reis ( XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, MI XXXX ) claims I owe {$44000.00} related to a XXXX accident. This amount was never disclosed by the court, and I was never served with any legal notice, summons, or judgment. 
On XX/XX/XXXX, I submitted a debt validation request pursuant to 15 U.S.C. 1692g, requesting : Verification of the original debt and amount Itemized breakdown of charges Proof of judgment, if any Copies of all notices sent, including dates and addresses To date, I have received no response. The license suspension occurred without due process, violating my rights under the Fourteenth Amendment.

I request that the CFPB : Investigate the debt collection practices of Weltman , Weinberg & Reis Require full validation of the alleged debt Review the legality of the license hold and enforcement actions Facilitate removal of the hold pending resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-03 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: AZ

Complaint narrative:
Upon checking my recent credit report I noticed multiple inaccurate accounts that do not belong to me. Its very disheartening that things can happen where its harming my financial moving forward. I plan to take all then necessary steps to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AZ

Complaint narrative:
Upon checking my recent credit report I noticed multiple inaccurate accounts that do not belong to me. Its very disheartening that things can happen where its harming my financial moving forward. I plan to take all then necessary steps to clear my name.

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 2025-11-03 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
This serves as my formal dispute and complaint regarding the inaccurate and unverified information you continue to report on my credit file. Your agency is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ), which require you to maintain and report only accurate and verifiable information.

I have not been provided with sufficient proof or original documentation to substantiate the accuracy of this account. Continuing to report this item without verification is a willful and negligent act that directly violates my rights under federal law.

Under 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be deleted immediately from my credit report. I am demanding the removal of this inaccurate entry to ensure compliance with the FCRA and to prevent further damage to my credit profile. 

Failure to address this violation properly may result in a formal complaint with the CFPB and additional legal actions for noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because Experian have failed to properly investigate and correct multiple errors on my credit report despite my formal dispute ( s ) submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I provided detailed documentation showing that the disputed information is inaccurate and incomplete, including evidence that : The account ( s ) are being reported with incorrect or missing dates ( e.g., Date of First Delinquency, Date Closed ).

The account ( s ) are inaccurately labeled ( e.g., showing as open when closed, or showing charged off when paid ).

The credit bureaus failed to include key supporting details or proof from the furnisher, and did not provide a clear description of how the investigation was conducted.

Despite my timely and complete dispute ( s ), the credit bureau ( s ) : Verified the accounts without conducting a reasonable investigation, contrary to FCRA 611 ( a ). 

Failed to correct or delete information they could not verify. 

Continued to report inaccurate and misleading information, harming my creditworthiness and causing significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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 am a consumer who is actively working to fix my credit report, and I respectfully request that each of the following items be reviewed and corrected to ensure they are accurately reflected. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX  XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries : XXXX, Date : XX/XX/XXXX Positive Accounts : None listed. 

Late Payments : XXXX, Account 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 non-monetary relief