vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 2025-07-25 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: GA

Complaint narrative:
I XXXX XXXX am filing a dispute against National Credit Systems ( NCS ) for reporting a collection account related to a previous apartment lease. 

I never signed a contract or agreement with NCS, and they have not provided any proof of ownership, signed lease, or validation of the debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

This is a third-party collection that is being reported without my consent or verified documentation. I also never received proper notice of the alleged debt. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), it is illegal to furnish information to the credit bureaus without ensuring it is accurate and verifiable. NCS is in violation of this provision by reporting an unvalidated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ) I am submitting this formal complaint against the credit reporting agencies ( Equifax, XXXX XXXX ) and any associated data furnishers for reporting inaccurate information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite my ongoing attempts to resolve these issues, the following inaccurate and harmful items continue to appear on my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address Issue : This address is neither mine nor related to any of my current or past locations. 
Law : Per FCRA 1681e ( b ), credit bureaus must use reasonable procedures to ensure accuracy. 
Story : This entry has led to false assumptions by creditors regarding my location and financial behavior, unfairly damaging my reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address Issue : I have never lived at this address, and it does not belong on my report. 
Law : Under FCRA 1681i, I demand an investigation and removal unless full documentation proves I resided there. 
Story : The consistent appearance of these wrong addresses makes me vulnerable to identity theft or mixed credit files, severely affecting my ability to rebuild and protect my credit. 
Despite my written disputes, the credit bureaus have failed to properly investigate and correct the above information as required by law. I am now escalating the matter to the CFPB for further investigation and enforcement action. I request that the CFPB demand the removal of these false addresses, inaccurate payment history, and unauthorized inquiry from my credit report immediately. I am also requesting that any party found in violation of the FCRA be held accountable and that my credit file be updated to reflect only accurate, verifiable, and lawful information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Receivables Management Systems ( RMS ) for attempting to collect a debt allegedly owed to XXXX XXXX XXXX. 

I recently received communication from RMS claiming I owe a debt to XXXX XXXX XXXX. However, I do not recall owing any balance, and I was never properly notified or billed by XXXX XXXX XXXX regarding any past-due account before it was turned over to a third-party collector. 

This debt appeared without warning and is now being used against me through credit reporting and collection efforts, causing damage to my credit score and emotional distress. RMS is contacting me and reporting this account without having first sent me proper validation or breakdown of the charges, in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 

Furthermore, under FCRA 1681b, RMS must have a permissible purpose to access or report my credit information. I never authorized XXXX XXXX or RMS to share or report my personal information to the credit bureaus, and I never received any documentation that would prove I consented to this. 

To date, I have not received : A full accounting of the debt A copy of any signed agreement Any notice of cancellation, refund status, or balance due directly from XXXX  If RMS claims to have this information, I am demanding that they produce it. If they can not, they are in violation of FDCPA 1692e ( false or misleading representation ) and 1692f ( unfair collection practices ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 formally disputing the accuracy and validity of the following account listed on my credit report. I assert that these items are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX Balance {$610.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX {$2800.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} DATE OPEN : XXXX XXXX XXXX  XXXX Balance {$840.00} DATE OPEN : XXXX XXXX  XXXX Balance {$0.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX : XXXX XXXX  XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX  XXXX XXXX XXXX {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} DATE OPEN : XXXX XXXX  XXXX bankruptcy : Bankruptcy Reference Number : XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XX/XX/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 2025-07-25 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
I am writing for two ( 2 ) reasons : 1.To dispute certain information in my credit file ; and 2.To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the item be investigated to correct the 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 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Post Lake Lending Inc.
State: CA

Complaint narrative:
The original loan was for {$300.00} and I have paid {$85.00} XXXX separate times, including a pending charge for tomorrow. They do not allow me to access my account information and when called to ask, they only read me off numbers saying {$14.00} was paid off. There is no correlation between the amount I've paid, which should have covered the original loan, and the loan they say I owe which is {$280.00}. That is 100s % of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hunt & Henriques
State: CA

Complaint narrative:
I am filing this fourth formal complaint due to Hunt & Henriques continued refusal to engage in meaningful resolution of this alleged debt, despite multiple written and documented good-faith attempts on my part. 

I have now sent over a dozen emails directly to their attorney, XXXX XXXX, offering a reasonable and prompt settlement of {$2000.00}. I have received no formal written response. Ive also called, left voicemails, and mailed certified correspondence all of which have been ignored. 

I have already filed multiple complaints with the CFPB, XXXX, CA State Bar, and the CA Attorney General. Ive also disputed the tradeline with all three credit bureaus due to clear misrepresentations about who owns the debt and contradictory statements made in writing by their attorney. 

Despite this, the firm continues to refuse a fair resolution or provide a clear answer regarding ownership of the debt. Their unwillingness to respond or cooperate is a violation of the FDCPAs requirement to act in good faith and communicate truthfully. 

Their conduct has become hostile, obstructive, and retaliatory. If they are allowed to ignore direct consumer contact especially when the consumer is actively attempting to resolve the matter, what message does that send? 

I am requesting that the CFPB step in and demand accountability. This firm should not be permitted to drag consumers through months of stress, bad-faith litigation tactics, and silence especially when the consumer has the financial ability and willingness to settle. 

I am asking for the following : A full investigation into Hunt & Henriques handling of this account Confirmation of the true owner of the debt Acceptance of my original {$2000.00} settlement offer Permanent removal of this tradeline from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-25 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: OH

Complaint narrative:
I am requesting the permanent deletion of the inaccurate repossession account reported by XXXX ( Account # : XXXX ) from my credit report with TransUnion. 

This entry is being reported without proper legal validation or supporting documentation. Specifically, the creditor has failed to provide : A valid notice of default and the right to cure ; Proof of lawful repossession procedures ; A notice of sale following repossession ; A complete and accurate accounting of any alleged deficiency balance. 

I am asking TransUnion to : Reinvestigate this account under FCRA 1681i ( a ) ; Require XXXX to submit original, verifiable documentation ( not automated e-OSCAR responses ) ; Delete the repossession account if the creditor can not prove compliance with applicable consumer and repossession laws ; Send me a written confirmation of deletion and a copy of my updated credit report within 15 business days.

Ive already filed a complaint with the CFPB and will continue escalating this matter if unresolved. My demand is for full compliance with FCRA guidelines and accurate, verifiable 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 non-monetary relief
Consumer complaint received 2025-07-25 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:
Dear CFPB, I am submitting this formal complaint against XXXX XXXX XXXX for multiple reporting issues on my credit reports with XXXX, TransUnion, and XXXX. The company is currently reporting several accounts as charge-offs or collection/charged off, which appear to be duplicates, inaccurate, or unverified. 

Problem Accounts Reported by XXXX XXXX : Account Number : XXXX Charge-off, balance {$95.00} Account Number : XXXX Duplicate of above, charge-off Account Number : XXXX Charge-off, balance {$95.00} Others : Multiple closed accounts from XXXX, all with {$0.00} balance but repeated under various IDs Issues : Multiple accounts from XXXX XXXX are being reported as charge-offs, some of which show no payment history and may be duplicate entries. 

I sent dispute letters requesting verification or removal of inaccurate/duplicate entries. They have not responded. 

One of the entries indicates " Account Previously in Dispute Now Resolved Reported by Subscriber, '' yet no resolution or documentation was provided to me. 

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I am a bonafide non-resident. However my son is a USA citizen and I own a property in the USA. I opened an account with XXXX XXXX, Wisconsin and the account was simply to pay taxes and pay my sons tuition fees. I do not live in the USA and am appointed in a constitutional position in my own country where I live. 
I understand that XXXX is well within their fiduciary rights to close any account but I would like to know the reason as I am a tax paying non resident and would like to understand whatever is required at my end. Any support will be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
I disputed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>2025 with supporting documents. The credit bureau did not complete its investigation within XXXX days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-25 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 * Fraudulent Account -- -DEPTEDXXXX XXXX XXXX {$2400.00} DEPTEDXXXX XXXX XXXX {$4200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ) as proof from the US Federal Trade Commission that all 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 2025-07-25 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: AL

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief