vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: FL

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 2025-11-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nelnet, Inc.
State: SC

Complaint narrative:
They are saying Im responsible for a debt not aware of this company in the amount of {$3300.00} and This emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that i believe should not even be on my record. this has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. they didn't follow the proper 5-step validation procedure.

According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Withdrawals from ATMs from my Company Bank Account for the Amount of {$3500.00} and {$200.00} in Withdrawals Fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

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 2025-11-25 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: SC

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 2025-11-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SS # : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Method of Verification XXXX XXXX XXXX Account Account Number ( as shown on Equifax ) : XXXX XXXX XXXX Credit Card Status : Charged Off Balance Reported : {$3700.00} Past Due : {$940.00} Date of Last Payment : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX ( Information pulled directly from my Equifax file ) To Whom It May Concern : I am writing to dispute the XXXX XXXX XXXX account reporting on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 2 ), 1681i ( a ) ( 6 ), and 1681i ( a ) ( 7 ), I am formally requesting the Method of Verification used to verify this account.

Equifax is reporting the following information, which I dispute as inaccurate, incomplete, or unverifiable : Balance : {$3700.00} High Credit : {$3700.00} Credit Limit : {$3500.00} Charge-off Amount : {$3700.00} Past Due : {$940.00} Date of Last Payment : XX/XX/XXXX First Delinquency : XX/XX/XXXX Extensive delinquency reporting across XXXX Status : Charged Off Under FCRA 1681i ( a ) ( 7 ), I am requesting a complete and detailed Method of Verification, including : The name, title, and contact information of each individual Equifax contacted during the reinvestigation The date, time, and method of each verification attempt Whether the verification was performed manually or through an automated e-OSCAR system Copies of all documents, electronic communication, records, or data Equifax used to verify this account A full chain of custody of all information relied upon If Equifax can not provide this complete method of verification as required by federal law, then the account must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Due to repeated discrepancies and unverified reporting, I am also forwarding this request and a formal complaint to the CFPB and the XXXX XXXX XXXX to ensure compliance with federally mandated accuracy standards.

Please send the complete response to my mailing address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
XXXX XXXX remains on my credit report as a fraudulent item and Ive asked to use consumer law 605B to block and permanently delete it from my credit report

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a targeted email offer from Capital One inviting me to apply for a Quicksilver credit card with a promotional bonus. I followed the link from the email and applied on XX/XX/year>. 

My application was denied with the reason listed as too many open revolving accounts. This reason does not appear accurate, as I currently have only three open credit card accounts, all in good standing, with low utilization and an excellent credit history. I have never missed a payment and have a credit score of XXXX. 

In addition, the application resulted in a hard credit inquiry, despite their website saying I can get pre-approval. Since the decision reason appears inconsistent with my actual credit profile, I am concerned that the denial was not reviewed properly and that the hard inquiry may have been unnecessary. 

I attempted to resolve this directly with Capital One. I sent an email on XX/XX/year>, and again followed up, but I have not received any acknowledgment or response. I also attempted to call their support line many times and was unable to reach anyone who could address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
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 2025-11-25 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I am formally disputing the accuracy of the following accounts appearing on my XXXX, XXXX, and XXXX credit file. These items contain reporting errors and must be investigated under the Fair Credit Reporting Act ( FCRA ).

Please conduct a reinvestigation and provide written results.

1st Franklin Financial-charge off- XXXX XXXX XXXXXXXX XXXX XXXX  charge off- XXXX XXXX charge off-XXXX  These entries contain factual inaccuracies including incorrect dates, inconsistent payments history, improper charge off reporting, re-aging concerns and incomplete data. I am requesting a full reinvestigation and deletion of any information that can not be verified. Please mail me results of your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I rented an apartment online, I paid for the first month and deposit upfront, when I went to pick up my keys, they did not have the apartment available, so after XXXX hours they put me in a temporary unit, after a month and a half, I inform the company that I was not satisfied with the horrific business practice so I contacted the XXXX XXXX XXXX and make a formal complaint and sent an email saying that I was moving out. after a year XXXX sent me a letter saying I did not owe the {$3300.00}, collection, the was settled for {$900.00}, I sent the dispute letter to XXXX and the collection company Pro Collect, and XXXX months later both companies refuse to remove the incorrect amount. they have damaged my good credit report, the XXXX and the original creditor letter is enclose below.....

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

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 2025-11-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 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: NC

Complaint narrative:
I am disputing a student loan account being reported by XXXX XXXX that is not mine. I never applied for, signed for, authorized, or acknowledged this loan, and I never completed a XXXX or signed a Master Promissory Note. I have never attended any school that uses XXXX. 

This account appears on ALL THREE credit bureaus ( XXXX XXXX, and Equifax ), but each bureau shows different and conflicting information. The same account shows different balances, different past-due amounts, different payment amounts, different payment histories ( including XXXX, XXXX, XXXX, and XXXX late markers ), missing/ND months, and different last payment dates even though I have never made any payments. It also appears under different creditor names. 

XXXX has never provided any validation, contract, promissory note, application, loan agreement, or evidence that I opened this loan, despite previous disputes. The inconsistent reporting across all bureaus proves the account is inaccurate and unverifiable. 

I am requesting a full investigation and deletion of this account from all credit reports because it does not belong to me and is being furnished inaccurately without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing a student loan account being reported by XXXX XXXX that is not mine. I never applied for, signed for, authorized, or acknowledged this loan, and I never completed a XXXX or signed a Master Promissory Note. I have never attended any school that uses XXXX. 

This account appears on ALL THREE credit bureaus ( TransUnion, XXXX XXXX XXXX  ), but each bureau shows different and conflicting information. The same account shows different balances, different past-due amounts, different payment amounts, different payment histories ( including XXXX, XXXX, XXXX, and XXXX late markers ), missing/ND months, and different last payment dates even though I have never made any payments. It also appears under different creditor names. 

XXXX has never provided any validation, contract, promissory note, application, loan agreement, or evidence that I opened this loan, despite previous disputes. The inconsistent reporting across all bureaus proves the account is inaccurate and unverifiable. 

I am requesting a full investigation and deletion of this account from all credit reports because it does not belong to me and is being furnished inaccurately without proper validation.

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 2025-11-25 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: NC

Complaint narrative:
I am disputing a student loan account being reported by XXXX XXXX that is not mine. I never applied for, signed for, authorized, or acknowledged this loan, and I never completed a XXXX or signed a Master Promissory Note. I have never attended any school that uses XXXX. 

This account appears on ALL THREE credit bureaus ( XXXX Experian, and XXXX ), but each bureau shows different and conflicting information. The same account shows different balances, different past-due amounts, different payment amounts, different payment histories ( including XXXX, XXXX, XXXX, and XXXX late markers ), missing/ND months, and different last payment dates even though I have never made any payments. It also appears under different creditor names. 

XXXX has never provided any validation, contract, promissory note, application, loan agreement, or evidence that I opened this loan, despite previous disputes. The inconsistent reporting across all bureaus proves the account is inaccurate and unverifiable. 

I am requesting a full investigation and deletion of this account from all credit reports because it does not belong to me and is being furnished inaccurately without proper validation.

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 2025-11-25 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: PA

Complaint narrative:
The absence of solid, verifiable evidence to confirm its accuracypaired with the continued reporting of unvalidated informationdirectly violates the statutory requirements under 15 USC 1681i ( 7 ). This noncompliance is not only concerning but also extremely frustrating, especially given the importance of following legal standards.

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 2025-11-25 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: TX

Complaint narrative:
This account does not belong to me and is being reported inaccurately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: CO

Complaint narrative:
I received a {$1200.00} personal loan, but the lender is charging an APR of 752.25 %, requiring total payments of {$6400.00} for a {$1200.00} loan. This is predatory lending. I did not fully understand that the finance charge would exceed {$5200.00}. The lender is applying abusive and unreasonable fees and interest that are far higher than Colorados lending laws allow.

I am requesting an investigation into the lenders practices, a review of the interest rate, and potential relief or adjustment of the loan amount. 

I have attached my Truth in Lending Disclosure showing the APR and payment schedule.

Company response to consumer: Closed with explanation