vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against AMSHER COLL for their continued failure to address this matter appropriately. 

Account in Question : Creditor : AMSHER COLL ( Original Creditor : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with AMSHER COLL, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my creditstanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: DISCOVER BANK
State: NC

Complaint narrative:
Absolutely here is a revised version of your CFPB complaint that directly addresses XXXX, XXXX, and XXXX  under the FCRA 611 ( a ) ( 7 ) and highlights their collective failure to provide a Method of Verification ( MOV ) : Complaint Description : I am filing this complaint under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 7 ) ) againsXXXX XXXX XXXX XXXX XXXX  for failing to provide a legally required Method of Verification ( MOV ) after I disputed a late payment reported by Discover Bank.

Each of these credit bureaus claimed the account had been verified following my dispute. However, none of them have provided the required information detailing how the verification was conducted, including the name and contact information of the party who verified the tradeline, or the procedures used to confirm the accuracy of the information.

This late payment is inaccurate and is a direct result of Discovers flawed identity verification process, which is already the subject of multiple complaints filed with the CFPB, FTC, NC Attorney General, and XXXX. The reporting of this account is inconsistent across the bureaus, with XXXX  reflecting a XXXX drop in my score while the other two do not further supporting the lack of reliable verification.

Under FCRA 611 ( a ) ( 7 ), I am exercising my right to receive a detailed method of verification. If the bureaus are unable to provide this documentation, I am requesting that they immediately delete the Discover tradeline from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against EASTERNACCOS 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 : EASTERNACCOS ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$620.00} 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 EASTERNACCOS buttonoavail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AL

Complaint narrative:
Subject : Experian Blocking Legal Dispute Rights and Reporting Incomplete Data on XXXX XXXX XXXX XXXX XXXX Account To Whom It May Concern : I am submitting this complaint regarding Experians handling of a currently open loan account reported by XXXX XXXX XXXX XXXXXXXX XXXX  This account appears on my Experian credit report but raises multiple concerns under the Fair Credit Reporting Act ( FCRA ). 

Creditor Name : XXXX XXXX XXXX XXXX XXXX Partial Account # : XXXX Date Opened : XX/XX/year> Original Balance : {$980.00} Current Balance : $ 841 Monthly Payment : {$48.00} Experian Report # : XXXX Status : Open, Never Late Legal Issues : FCRA 611 / 15 U.S.C . 1681i My legal right to dispute information was obstructed when Experian refused to allow an online dispute and instead required me to call. This is a barrier to access and limits my ability to document and track my dispute in writing.

FCRA 609 ( a ) ( 1 ) I requested documentation supporting the validity of this account ( signed agreements, original application, verification from the furnisher ), but Experian has not provided it. I have a legal right to full disclosure of file contents and verification.

FCRA 1681e ( b ) Experian is required to ensure the maximum possible accuracy of information. This account is missing consistent month-by-month payment history and lacks a highest balance field, suggesting incomplete or under-verified reporting. 

Failure to identify source/furnisher properly No details have been given regarding the verification method or furnisher investigation process, violating my rights under FCRA 1681g and 1681s-2.

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 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: FL

Complaint narrative:
Company called Unifin purchased my old XXXX Credit Card debt that was written off in XXXX 
This is 2nd or 3rd Collector ( could be name change also ) that has purchased my old debt over 5-6 years. 
That debt, which is my husbands business charges on MY card and part of our Divorce which XXXX and collectors received a copy over the years. Its been ongoing for over 5 years. 
XXXX wrote debt off but collectors keep buying it and the harassment starts over again first by letters, phone calls and now using Text messages for me to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
Hard Inquiries : There are XXXX auto loan inquiries that I did not authorize or request from a car dealership ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, IL XXXX ). These inquiries are as follows and should be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments and Accounts : I have identified late payments that are inaccurate. I will provide supporting documentation for these disputes, but they include : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX Additionally, the following accounts are paid off, closed, and do not belong on my current credit report : [ List any specific accounts here, if applicable ] Please conduct a thorough investigation into these matters. If any of the disputed information can not be verified or is found to be inaccurate, I request that it be promptly removed or corrected. 

I am enclosing copies of supporting documents that substantiate my claims. Please confirm receipt of this dispute and inform me of the results of your reinvestigation within the timeframe mandated by the FCRAtypically within 30 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 non-monetary relief
Consumer complaint received 2025-05-30 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: Self Financial Inc.
State: VA

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Name : Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
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 explanation
Consumer complaint received 2025-05-30 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: AL

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 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nathan & Nathan, P.C.
State: MS

Complaint narrative:
I settled an old XXXX credit card account that had been sent to collections through Nathan & Nathan , P.C . The debt was fully satisfied on XX/XX/year>, as documented by a notarized Satisfaction of Judgment filed in the Justice Court of XXXX XXXX, XXXX. Despite this, the tradeline on my credit report is still marked with a settled for less remark. 

The court document explicitly states the judgment was satisfied in full. I never gave Nathan & Nathan permission to negotiate a lesser settlement on my behalf, nor was I involved in the final terms I simply authorized my grandmother to speak with them.

Given the Satisfaction of Judgment clearly says satisfied in full, I am requesting that the tradeline be updated accordingly and that the settled for less language be removed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I was contacting to get validation of this debt. They have been unsuccessful I have no knowledge of this debt and it ruining my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy and legality of a collection account appearing on my credit report under the name XXXX, ACCOUNT # ( private ), DATE OPENED : XXXX XXXX, BALANCE : {$940.00}. I did not authorize, acknowledge, or initiate any debt with this company, nor was I ever informed or notified of their intent to report this alleged account to your agency. This entry was made without my consent, without proper validation, and without following due process under the Fair Credit Reporting Act ( FCRA ). 

Per 15 U.S. Code 1681i ( a ), Transunion is required to perform a reasonable investigation upon notice of a dispute. I have not been provided any documentation bearing my signature, contract, or application verifying this account belongs to me, nor have you proven the validity of the alleged debt through the data furnisher prior to furnishing it on my consumer report and/or after investigation.

Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), you must provide a method of verification, yet none has been disclosed. This ongoing refusal constitutes non-compliance and obstruction, further supporting my claim of willful negligence and intentional emotional harm caused by persistent negative 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 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On or around XX/XX/year>, I visited the Robinhood website and noticed a margin lending loan of approximately \ {$27000.00} had been attached to my account. XXXX, I called the contact number listed on the Robinhood stock app. A person named " XXXX '' answered. 

I explained that I wanted to remove the margin lending feature, and he said he could take care of it. After doing so, he asked if I had recently tried to access my account from Florida or Iowa, which I had not. He then informed me that it appeared my account had been breached and said we needed to close the current account and open a new one. 

XXXX explained that, in order to do this, I would need to sell my cryptocurrency and stock holdings. I followed his instructions and sold everything. He said he would temporarily hold the funds until after the weekend and assured me everything would be restored afterward. The next day, I sold my stock as instructed. XXXX told me I would get all the funds back as expected, but by the end of the weekend, nothing had happened. 

He called me on Saturday and said the transfer was still processing. He also mentioned that a XXXX was now associated with my account. I asked why, and he claimed it was being used to transfer the crypto. On Sunday, he asked again if I had sold my shares, and when I confirmed, he said he would contact me on Monday. 

By Monday, my account balance showed XXXX. When XXXX called that afternoon, he said he would transfer the money back. He asked if I could see the Robinhood app, and I confirmed that it still showed a zero balance. He then said he had to hang up, but I insisted on staying on the call. 

He asked if I had a card linked to my account, and I told him I didnt. Then he said he needed me to confirm a verification code via text to remove the card. At that moment, I received a {$190.00} charge alert from XXXX XXXX. I asked why I was being charged, and he tried to get me to confirm the transaction. I then received another alert from XXXX, followed by a fraud alert from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX {$630.00}. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NM

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 explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Ive disputed this debt multiple times first time was XX/XX/XXXX amount for debt was {$3200.00} which I followed by disputing again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. First time notifying creditor, they told me that they would speak to the original creditor about the amount owed after that conversation with creditor the amount balance transferred from {$3200.00} to {$1200.00} with no explanation. Just a change in amount. XX/XX/XXXX, I sent certified mail to the company, asking for a debt validation letter with my signature of me accepting this debt and only to contact me through mail. I have been getting multiple calls which is very harassing to me because this is not OK. I am using FDCPA consumer law 15 USC 1692G I am also using 15 USC 1692C less communication is through mail. I am also using law 15 USC 1681 I a five a. On the further investigation, I also realize that this company is not credited by the Better Business Bureau, which I have filed a report with them also and have gotten no response.

Company response to consumer: Closed with explanation