vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
This account does not belong to me, and I have never lived at " XXXX XXXX XXXX, XXXX, Delaware XXXX. '' This is not my address and has never been my address. 

XXXXXXXX  is incorrectly applying this debt to an account I did not have and do not own. 

I do not know where this debt comes from or what this debt is actually in relation to, as I have paid all XXXX bills on time whenever I have had the service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$18000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1500.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I purchased XXXX round trip tickets from XXXX XXXX XXXX XXXX with my Capital one credit card in XXXX. I got he booking confirmation # and the XXXX XXXX XXXX But in my XXXX XXXX XXXX account, it specified that the booking would be held till XXXX XXXX XXXX XXXX XXXX XXXX I check my account again and the booking was cancelled. I contacted the company and was informed that the he did not know why the tickets were not purchased and refund would be made to my credit card company. So I called Capital One and I got the credit back. After investigation from Capital One, I got a notice on XX/XX/XXXX, informing me that the charge was correct because the travel agency provided the Confirmation # and XXXX XXXX  I responded back by showing the cancellation notice from XXXX XXXX in my XXXX  account and using the same credit card to purchase tickets from another company for our trip and informed Capital One what I was told by XXXX XXXX XXXX XXXX got the reply from Capital One and asking me to contact the travel agency for the refund confirmation information and who cancelled the booking. I called the company and could not get any help. I replied to Capital one and asked them to contact the merchant again and asking for providing more infromation and never had an answer. I kept on calling the merchant and finally the phones were discounted in XXXX. I suspected the office was closed. Then I contacted XXXX XXXX to got the cancellation information. The merchant purchased the tickets on XX/XX/XXXX and cancelled the purchase on the same day to get full refund. I sent that to XXXX and was informed that the case was closed. The deadline was XX/XX/XXXX. Only in the first Notice, I had to response before XX/XX/XXXX and not in other Notices and in my phone calls. 
I had responded before XX/XX/XXXX and communications were on going. More time was needed to get supporting information. I would like Capital One to reopen this case and look at the infromation and contact the merchant. Give me back the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section XXXX of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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 a victim of identity theft .. Ive never gave anyone one permission or authorization to open these accounts in my name. Inquiries are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  Accounts

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 2025-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: KY

Complaint narrative:
I have made multiple attempts to obtain this information from Nelnet, my former servicer, before being informed that Slone is the new servicer. Since then, I have sent several written requests asking for : The correct mailing address and/or online portal for payments My current account balance and status Account access information and login instructions To date, I have not received a sufficient response. My most recent attempt to remit payment was returned, leaving me unable to fulfill my obligations through no fault of my own. Continued failure to provide the required information places me at risk of delinquency despite my good-faith efforts to remain current. 

Letters sent to Nelnet ( the original servicer ) on XX/XX/XXXX, XX/XX/XXXX, to both Nelnet and Slone ( after I figured out Nelnet transferred my loan to Slone Servicing ) on XX/XX/XXXX, and finally to two different mailing addresses at Slone Servicing on XX/XX/XXXX. I have copies of all of these letters if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Complaint number XXXX XXXX and XXXX Urgent Follow-Up Disputed XXXX XXXX XXXX & Improper Credit Reporting by Nelnet XXXX XXXX To : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Complaint Summary : XXXX XXXX  I am submitting this follow-up complaint regarding a disputed XXXX XXXX XXXX currently serviced by Nelnet. I never signed for this loan, and I was receiving XXXX at the time it was allegedly originated. Great Lakes Educational Loan Services, the original servicer, was aware of my situation and never confirmed any valid authorization from me.

Despite this, Nelnet continues to report this loan on my credit file, send billing notices, and add chargeswithout verifying my identity or resolving the issue. I previously contacted Nelnet and submitted documentation for an identity theft investigation, yet they have not removed the loan or corrected the credit reporting. 

XXXX XXXX Key Issues XXXX XXXX XXXX XXXX  Nelnet is XXXX XXXX not the original creditor XXXX XXXX yet continues to report and bill for a disputed loan. 
- I XXXX XXXX  never signed XXXX XXXX for a XXXX XXXX XXXX 
- My XXXX XXXX credit report shows the loan as closed XXXX XXXX yet Nelnet keeps adding charges. 
- I was receiving XXXX XXXX XXXX XXXX XXXX at the time, and would not have qualified or consented to this loan. 
- Nelnets delay in resolving this matter is causing * * ongoing credit harm * * and financial stress. 

XXXX XXXX Requested Resolution : XXXX XXXX XXXX  Immediate removal of the disputed loan from all credit reporting agencies. 
- Formal investigation into the loans origin and authorization. 
- Cease all billing and collection activity related to this account. 
- Written confirmation that this loan will not be pursued or reported further. 

I am requesting urgent action and accountability. This situation has gone unresolved for too long, and I am prepared to escalate further if necessary. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: LA

Complaint narrative:
I applied for a modification with XXXX XXXX  starting last year in XXXX because I had a hardship. They kept denying me the modification over and over again until XXXX of XXXX that went on to the present day of XX/XX/XXXX now XXXX in foreclosure with a sale date of XX/XX/XXXX I have sent every piece of document they have required, including my XXXX sons income to help with my mortgage. They have not replied to me. They have not sent me out any letters I have not gotten any phone calls of the denial. I found out by calling in myself to get an update on my modification. They refused to look at my XXXX  income as XXXX With the mortgage. They only say it they denied my modification now XXXX under a foreclosure with a sale date of XX/XX/XXXX and I am forced to file a bankruptcy. XXXX is the most unprofessional company I have ever worked with in my life. They do not communicate back with you they do not send out in denial letters, and they do not call for an update to their consumers. This is unfair and its unprofessional and they should be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
Sping oaks capital llc, and XXXX XXXX XXXX XXXX XXXX  are collection accounts on my credit report. I have no idea of the debts. I have contacted all 3 credit bureaus as well and disputed them. XXXX at least came back saying debit verified for spring oaks capital llc, because they put through the wrong dispute reason, they did remove XXXX XXXX XXXX XXXX XXXXXXXX XXXX has a XXXX dispute filed now but is not making attempt it seems. The other 2 bureaus experien and XXXX XXXX say '' it's still open but been 30 days ... XXXX removed sping oaks capital llc, but not XXXX XXXX XXXX XXXX XXXX. XXXX has not removed spring oaks capital Llc, but did XXXX XXXX XXXX XXXX XXXX. I have a issue especially with XXXX being on XXXX attempt at this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting you to dispute fraudulent accounts that appear under my credit history. I have no association with these accounts, and I never authorized or established them. Their reporting is false, harmful, and creates a severe misrepresentation of my financial character. The inclusion of such entries violates the obligation to maintain accurate and fair reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Synovus Bank
State: NY

Complaint narrative:
In the month of XXXX, I tried to pay a bill which they taking me off of auto pay. Since I was off of auto pay, they gave me no option, but the pay to my bank account. Upon doing that I wasnt able to pay on the correct date. It gave me the option to pay the next day. They my credit score went down over XXXX points trying to make a correct payment within a month. I reached out to the operator, and they said that my payment was current, which was false. I recorded all of my conversations and told him I was recording

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
After checking my Credit I noticed a collection from Midland Credit XXXX, in the amount of XXXX. I have disputed this fraudulent collection more than XXXX times, We had a court date on XX/XX/year> were the case was dismissed for lack of evidence. The XXXX court document was dismissed without prejudice. And still all XXXX credit bureau XXXX XXXX XXXX  continue to ignore. After sending multiple letters disputes to the law firm and midland credit XXXX they refuse to abide by XXXX XXXX order. I don't know what else can I do. The credit bureau 's also refuse to remove this fraudulent collection. after sending them court dismissed documents and dispute letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
this is not my dept please provide my signature and proff that i authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Recovery Solutions, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ga. XXXX XXXX XXXX XX/XX/year> Asset Recovery Solutions LLC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Challenge of Debt and Request for Validation 2nd request # XXXX Dear Asset Recovery Solutions LLC I am writing for the second time regarding the alleged debt of {$4800.00} referenced in your letter and your several text messages to my phone XXXX. I requested validation of this debt and never received any documentation, Please be advised that I did dispute this alleged debt on XX/XX/year> disputing the validity of this debt by letter. I also responded to several text messages from Asset Recovery Solutions XXXX XXXX, XXXX XXXX XXXX XXXX and I responded by text requesting validation of debt. This is a violation with the fair Debt Collection Practices Act ( FDCPA ) In accordance with the Fair Debt Collection Practices Act ( FDCPA ), This is what I requested on XX/XX/year> and by text that you provide me with the following information to validate this debt : The full name of the original creditor. 
The amount of the original debt and any interest or fees added. 
A copy of the original contract or agreement with my signature, or any other documentation that proves I owe this debt. 
A complete transaction history for the alleged debt. 
Any judgment or legal order related to the debt, if applicable. 
Please note that until this debt is validated, I request that you cease any further collection activities, including reporting this alleged debt to credit reporting agencies, as required by the FDCPA. 
If you are unable to provide sufficient documentation, I expect this matter to be considered resolved, and the account should be marked as disputed in your records. 
Please respond to this request within 30 days of receipt of this letter, as mandated by the FDCPA. If you fail to validate the debt within this timeframe, I will consider the matter closed and will pursue all available legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate account on my credit report. The original creditor XXXX XXXX  Is also in violation of FCRA laws for reporting this inaccurate account. I have requested the original contract with my signature on it from XXXX XXXX Which they have not done so. I have never opened this account and have no dealings with XXXX XXXX XXXX. XXXX is the account number. 


I have the same issue with Jefferson capital systemXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is the account number they are also in violation of FCRA law. As well as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate account on my credit report. The original creditor XXXX XXXX  Is also in violation of FCRA laws for reporting this inaccurate account. I have requested the original contract with my signature on it from XXXX XXXX Which they have not done so. I have never opened this account and have no dealings with XXXX XXXX XXXX. XXXX is the account number. 


I have the same issue with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is the account number they are also in violation of FCRA law. As well as LVNV funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TSC Accounts Receivable Solutions
State: NC

Complaint narrative:
We have received a Collection Notice for a charge from XX/XX/year>. This was the first and only communication from medical facility and/or the collections agency. Why is there a {$7.00} interest charge on this 1st and only invoice? We are not slack in paying our debt whether medical or personal. We have submitted {$100.00} for the outstanding bill THAT WAS NEVER SENT IN THE LAST 14 MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9100.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX- Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$22000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation