vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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 am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Experian. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Report, this company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. 

Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations.

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. 
- Denials or unfavorable terms for financial products due to incorrect reporting. 

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 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX  is trying charging me for services I didn't use I move one to another insurance carrier but they kept chargingfor a month if service.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
Despite being the assigned servicer for my federal student loans, EdFinancial failed to send any communicationsby mail or emailregarding my loans. I did not receive any notices, statements, or outreach from them at any point prior to XX/XX/year>. 

I discovered the existence and status of my loans independently through the Federal Student Aid ( FSA ) website. After finding the information, I had to initiate contact with the servicer in XXXX XXXX  to begin resolving my account and updating my contact details. 

Upon reaching out, I was surprised to learn that the only phone number associated with my account was that of my deceased father. In addition to the incorrect phone number, the servicer had never sent any mail to my physical address nor any messages to my email address, both of which were accurate and on file with the Department of Education. 

This complete lack of outreach and outdated contact information has caused unnecessary confusion and delay in managing my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against POSSIBLEFINA regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX  I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : POSSIBLEFINA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$480.00}. I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with POSSIBLEFINA but to no avail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AZ

Complaint narrative:
This account is completely unfamiliar to me. I have no knowledge of it, no association with it, and Ive never authorized it in any way. It does not belong on my report, and I have serious concerns about how it ended up there in the first place.

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 2025-05-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a repossession account on my credit file. I have repeatedly requested documentation proving I was the legal owner of the vehicle, but the creditor has never provided any supporting documentation or contract tying the repossession to me. 

Complaint Summary : XXXX XXXX XXXX XXXX is reporting a repossession on my credit report under account number XXXX. The balance is listed as {$860.00} and the account is marked as " Repossession '' since XX/XX/year>. 

I have formally disputed this account and requested documentation proving I was the legal owner or lessee of the repossessed vehicle, and therefore responsible for the debt. To date, I have received no proofno contract, no payment agreement, and no title transfer documents. 

The continued reporting of this repossession without any ownership validation violates my rights under the Fair Credit Reporting Act ( FCRA ). It is causing unjust harm to my credit and financial opportunities. 

I respectfully request that the CFPB investigate this matter and require XXXX XXXX XXXX XXXX to : remove from credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NE

Complaint narrative:
Follow-up on Earlier Complaint ( CFPB Case # XXXX, Submitted on XX/XX/year> ) I am following up regarding my earlier complaint ( CFPB Case # XXXX, submitted on XX/XX/year> ). Despite this ongoing issue, I have now received a payment demand from a different debt collector, Credence Resource Management , LLC The new collection notice, referencing Credence Resource Management , LLC account number XXXX, was received on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I was apart of the Equifax breach and I have been having a hard time with trying to get a car and a house or a loan due to denied credit and half of this credit I reported as FRAUD and nothing has been done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This company sold the debt to an attorneys office to collect on their behalf and went through the court. I didnt have time to get proof and they didnt provide me with a 1099c. My credit report shows the debt was written off and then they sent for legal action to get a judgement. Please provide me with the 1099c from Capital One who is using XXXX XXXX attorneys office to send people to bang on my door and threatening to deduct funds from my job through my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against NCA regarding an account I have with them XXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : NCA  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with NCA but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: OH

Complaint narrative:
XXXX XXXX  XXXX XXXX sent my account along with all auto loans to Westlake Portfolio Management LLC. My payment was due XX/XX/XXXX. The website for WPM was not available to the new accounts from XXXX. On XX/XX/XXXX, I accessed the system by phone XXXX as required per info from WPM and paid my car payment in full, {$240.00}, confirmation # XXXX. XX/XX/XXXX, by email WPM said I hadn't paid. I checked my bank, didn't go through. XX/XX/XXXX I accessed the WPM website which said my payment was in arrears and charged me an extra {$20.00} for non sufficient funds, even though there was plenty of money in my bank account to pay that bill. I called XXXX general division, thinking WPM was a scam, and why did they send my account to a credit collector since it wasn't in arrears. XXXX said XXXX sent all auto loan accounts to WPM. I called XXXX and asked XXXX to reverse the {$20.00} charge, not nsf per my bank. She said she couldn't reverse it for anyone. I asked to speak to a supervisor. XXXX said he couldn't reverse it. I told them both that it was their system error, their website was not available to me to use to pay the bill, and the phone system was difficult to use, too fast, did not take my bank account # twice or read it back to me for confirmation. The payment didn't go through because of system error. I asked XXXX to read the bank account to me so I could see, since he said I entered the bank account incorrectly and it was my error. He refused. I had to give him my bank account information over the phone to resolve this. Eventually I did. He said the last XXXX digits of the account he had : " XXXX. '' Those XXXX digits are in my bank account number. His system cut off the last XXXX digits of my checking account, and there was no way for me to check or correct this, because the system kept interrupting me. It was definitely system error. I wonder how many other car loan people were charged this bogus NSF fee. If the system did this to all of us, that's a lot of money. This is a scam and needs to stop. I want that {$20.00} taken off my account, and the other accounts, too. Also, I don't want my credit dinged because of the WPM system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX I paid off the collection account with XXXX XXXX XXXX on [ insert date ], based on a verbal agreement made during a recorded phone call that the debt would be deleted from my credit report upon payment. I have honored my part of the agreement and made full payment. Despite this, XXXX XXXX continues to report the account to the credit bureaus, negatively affecting my credit score. 

This is a direct violation of the agreement made. I request immediate deletion of this account from all credit reporting agencies and written confirmation of the deletion. 

XXXX. XXXX ( via collection agency ) Confirmation # XXXX I paid the collection account related to XXXX and have confirmation of payment under # XXXX. Before paying, I was assured that the account would be deleted from my credit report upon successful payment. I fulfilled this agreement in full, yet the XXXX account remains on my credit file. 

This failure to follow through on the promised deletion constitutes deceptive and unfair reporting. I request immediate removal of this account from all credit bureaus and written proof of deletion. 

XXXX. XXXX ( via collection agency ) Confirmation # XXXX I paid the outstanding collection for XXXX with confirmation # XXXX. During the payment process, I was informed that the account would be removed from my credit report after payment was made. Despite paying in full, the account is still being reported on my credit history. 

I am requesting deletion of this account from all three credit bureaus and written confirmation, as was agreed when payment was made. Continued reporting contradicts the terms of the agreement and is damaging to my financial record.

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 2025-05-13 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: IN

Complaint narrative:
I have fraudalent acounts and inquries on my credit report Fraudalent acounts 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 Fraudalent inquiries XXXXXXXX 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 2025-05-13 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: IN

Complaint narrative:
I have fraudalent acounts and inquries on my credit report Fraudalent acounts 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 Fraudalent inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : FORMAL DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT COLLECTION/CHARGE-OFF ACCOUNTS To Whom It May Concern, I am writing to formally dispute the collection/charge-off accounts appearing on my credit report, which are directly tied to the National Public Data Social Security Number Breach. These accounts are fraudulent, and I demand their immediate removal from all credit reporting agencies. 
The accounts in question are : 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

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 2025-05-13 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:
See attached document I am a victim of identity theft. Ive discovered fraudulent accounts on my credit file, including those from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I did not authorize or open these accounts. I am requesting that they be removed and blocked under FCRA 605B. My FTC Report ( # XXXX ) is attached for verification.

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