vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX for knowingly and unlawfully reporting a debt that is not mine, despite clear evidence and multiple forms of identity verification proving otherwise. 

The alleged debt was originally owned by XXXX XXXX XXXX, who conducted an investigation and determined that the account was reported in error. It was connected to XXXX XXXX, not XXXX XXXX which is my legal name. As a result, XXXX removed the item from my credit reports with XXXX, Equifax, and XXXX. 

I have worked with all three credit bureaus to correct my profile and verify my identity. All three have confirmed the issue was resolved, and that I am not responsible for this debt. Yet XXXX XXXX XXXX, after acquiring the account from XXXX, re-reported the same invalid debt to the bureaus knowing full well that it was previously found to be inaccurate and removed. 

This is not only negligent it appears to be a willful and spiteful act, carried out despite having no legal basis to pursue the debt against me. 

To make matters worse, I formally requested validation of the debt, including : The original billing statement from the creditor, The original account letter, and Any identification or documents they used to conclude I was the responsible party. 

To date, they have failed or refused to provide any of this documentation. 

Their actions are in clear violation of several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Reporting information they know or should know is inaccurate ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Failing to correct or update false information after discovery ; 15 U.S.C. 1681s-2 ( b ) : Failing to properly investigate a dispute after notification ; 15 U.S.C. 1681e ( b ) : Failing to use reasonable procedures to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi, Im reaching out because the personal information listed on my credit report is incorrect, and its been causing me serious setbacksespecially with credit applications being denied over details that dont even belong to me. Its incredibly frustrating to be held back by inaccurate reporting that shouldve been fixed a long time ago.

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 2025-04-17 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX regarding their role in inaccurately reporting a paid-in-full home equity loan to the credit bureaus. 

The loan was paid in full on XX/XX/year>, and multiple parties ( including the originating lender, XXXX XXXX, and servicer XXXX XXXX  ) have acknowledged receipt of full payment. Despite this, my credit reports continue to show a full outstanding balance. 

I have not received any valid reason or timeline for correction, and this inaccuracy is now causing real harm, including being denied rental housing due to incorrect debt reporting. 

I am requesting that the CFPB investigate and require the credit union to immediately correct the credit reporting on this account to show a {$0.00} balance and paid in full status on all three credit bureaus.

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 2025-04-17 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: AL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
Subject : Formal Complaint Regarding Fraudulent Collection Account - Demand Immediate Deletion Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a fraudulent collection account that has appeared on my credit report. This account is listed as follows : * Collection Agency : ASSOCIATED CREDIT SE * Original Creditor ( Reported ) : XXXX XXXX XXXX Reported Date : XX/XX/2025 * Account Balance : {$750.00} I have absolutely no knowledge of this debt and have never opened an account or incurred any charges with XXXX XXXX  that would result in a collection. I believe that my personal information may have been compromised and used to create this fraudulent account.

This inaccurate and fraudulent information is negatively impacting my credit report and causing me significant concern. I demand a thorough investigation into this matter and request your assistance in achieving the immediate deletion of this fraudulent account from my credit report.

I have also taken the following actions : * Filed a dispute with each of the three major credit bureaus ( XXXX XXXX XXXX XXXX ) regarding this fraudulent account. 
* Sent a certified letter to ASSOCIATED CREDIT SE demanding validation of this alleged debt and requesting its deletion from my credit report.

I have attached a copy of my credit report showing this fraudulent account as evidence. I request that the CFPB investigate ASSOCIATED CREDIT SE and XXXX XXXX  regarding this matter and take appropriate action to ensure the accuracy of my credit report and prevent further fraudulent activity.

Thank you for your time and assistance in resolving this serious issue. I look forward to your prompt response and action.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM 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 2025-04-17 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-04-17 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: NJ

Complaint narrative:
COMPLAINT REGARDING ILLEGAL REINSERTION OF FRAUDULENT ACCOUNTS Submitted by : XXXX XXXX XXXX My name is XXXX XXXX XXXX, and I am submitting this formal complaint against Experian, TransUnion, and Equifax for unlawfully reinserting fraudulent accounts on my credit report without providing the required written notification within five ( 5 ) business days, in direct violation of 15 U.S. 
Code 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act ( FCRA ). 
Case Summary : Consumer Reporting Agencies Involved : - Experian - TransUnion - Equifax Fraudulent Accounts Reinserted Without Notification 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 These accounts had previously been identified as fraudulent and were blocked or removed. 
However, the credit reporting agencies have unlawfully reinserted them on my report without providing the required written notice identifying the furnisher and informing me of my right to dispute, in violation of my consumer rights. 
Legal Violations : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 et seq. 
a. Reinsertion Without Notice - 1681i ( a ) ( 5 ) ( B ) Violation : No written notice was provided upon reinsertion of the above-listed fraudulent accounts. 
b. Failure to Block Fraudulent Information - 1681c-2 Violation : These accounts were previously blocked but were reinserted unlawfully and without justification. 
c. Failure to Conduct Reasonable Investigation - 1681i ( a ) ( 1 ) Violation : The agencies failed to conduct any reasonable reinvestigation before reinserting the accounts. 
2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1692 a. Misleading Representations - 1692e Violation : By reporting fraudulent and unverified accounts, they misrepresented the legitimacy of these debts. 
b. Unfair Practices - 1692f Violation : Reinserting disputed accounts without evidence or due process constitutes an unfair and deceptive practice. 
3. Fair and Accurate Credit Transactions Act ( FACTA ) - 1681c-1 Violation : CRAs failed to maintain protections for identity theft victims and allowed fraudulent data back on the report. 
4. Consumer Financial Protection Act ( CFPA ) - 12 U.S. Code 5531 Violation : The reinsertion of blocked fraudulent accounts, without legal basis or notice, constitutes an unfair, deceptive, and abusive act or practice ( UDAAP ). 
Supporting Legal Precedents : XXXX v. Experian ( XXXX ) XXXX v. TransUnion ( 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 non-monetary relief
Consumer complaint received 2025-04-17 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:
COMPLAINT REGARDING ILLEGAL REINSERTION OF FRAUDULENT ACCOUNTS Submitted by : XXXX XXXX XXXX My name is XXXX XXXX XXXX, and I am submitting this formal complaint against Experian, TransUnion, and Equifax for unlawfully reinserting fraudulent accounts on my credit report without providing the required written notification within five ( 5 ) business days, in direct violation of 15 U.S. 
Code 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act ( FCRA ). 
Case Summary : Consumer Reporting Agencies Involved : - Experian - TransUnion - Equifax Fraudulent Accounts Reinserted Without Notification 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 These accounts had previously been identified as fraudulent and were blocked or removed. 
However, the credit reporting agencies have unlawfully reinserted them on my report without providing the required written notice identifying the furnisher and informing me of my right to dispute, in violation of my consumer rights. 
Legal Violations : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 et seq. 
a. Reinsertion Without Notice - 1681i ( a ) ( 5 ) ( B ) Violation : No written notice was provided upon reinsertion of the above-listed fraudulent accounts. 
b. Failure to Block Fraudulent Information - 1681c-2 Violation : These accounts were previously blocked but were reinserted unlawfully and without justification. 
c. Failure to Conduct Reasonable Investigation - 1681i ( a ) ( 1 ) Violation : The agencies failed to conduct any reasonable reinvestigation before reinserting the accounts. 
2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1692 a. Misleading Representations - 1692e Violation : By reporting fraudulent and unverified accounts, they misrepresented the legitimacy of these debts. 
b. Unfair Practices - 1692f Violation : Reinserting disputed accounts without evidence or due process constitutes an unfair and deceptive practice. 
3. Fair and Accurate Credit Transactions Act ( FACTA ) - 1681c-1 Violation : CRAs failed to maintain protections for identity theft victims and allowed fraudulent data back on the report. 
4. Consumer Financial Protection Act ( CFPA ) - 12 U.S. Code 5531 Violation : The reinsertion of blocked fraudulent accounts, without legal basis or notice, constitutes an unfair, deceptive, and abusive act or practice ( UDAAP ). 
Supporting Legal Precedents : XXXX v. Experian ( XXXX ) XXXX v. TransUnion ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was charged a late fee by Capital One after trying to make a payment using their mobile app. The payment did not go through due to an issue with the app, not any fault on my part. Ive had a perfect on-time payment history until this point. When I contacted customer service, they told me they can not waive the fee because the system doesnt allow it. I was also told my account was ineligible for issuing a waiver previously and when I corrected the agent that I had not ever used a waiver was told I stand corrected after she checked my account and still she said I can not help you due to the system This is unreasonable, as I attempted payment in good faith and their platform failed. Im requesting that the late fee be waived and this not affect my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I noticed that charges were made that I didnt make I called them and they acted like they didnt know what I was talking about I also think that the first account that I opened they never closed and my roommate XXXX XXXX is using it and got a deposit of XXXX + I noticed people were impersonating my doing the things I did wearing my same clothes she XXXX  XXXX XXXX and XXXX she received money in my name and the bank wont tell me they act like Im crazy but I seen it I had a banking statement printed once and it showed what I currently had in there so once I was done I XXXX  out the account number and another number XXXX appeared under the account number when I put the XXXX  on it the used invisible ink and she has be blocked outta my account cards that Ive never had are on my account Ive never been to Arizona but theyre a charge on there for XXXX XXXX out there I live in grand junction they have the hole town in on it even the cops Ive tried to report this issue and they either hang up or just blow me off they stole the account number from me when i fell asleep two nights ago she even switched out our cell phones shes trying to take over my life she follows me everywhere I go sits in a camper across the street from my house and watches me all day long trying to steal this money and pretends to be me I have no clue where the money came from or why its n my name but I cant spend it havent spent it doesnt even show on my bank statement and Im not getting into trouble for the

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 2025-04-17 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: MD

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-17 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have an outstanding credit card balance with Navy Federal Credit Union ( " Navy FCU '' ) that is being reported to Experian and TransUnion. On XX/XX/year>, I contacted Navy FCU directly to arrange payment for my outstanding debt. However, Navy FCU 's representative informed me they were unable to accept payment because the account had been contracted to a third-party collection agency named XXXX XXXX XXXX 

Despite Navy FCU 's refusal to accept direct payment, they continue to inaccurately report the debt as directly owed to them on my credit reports. Navy FCU 's ongoing reporting inaccurately represents my ability to pay directly, violating my rights under the Fair Credit Reporting Act ( FCRA ), which mandates creditors to report accurate and verifiable information. 

I have not entered into any contractual or financial agreement with XXXX XXXX and do not wish to provide personal or financial information to a third-party company with which I have no direct relationship. 

To resolve this matter, I request Navy FCU either accept direct payment for the debt or immediately cease reporting this debt to all three credit reporting agencies. 

I have attempted in good faith to resolve this directly with Navy FCU without success. Therefore, I seek CFPB intervention to correct this inaccurate and misleading credit reporting.

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 2025-04-17 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: FL

Complaint narrative:
I am writing to formally explain the circumstances surrounding my student loan debt, which I believe qualifies for discharge or removal from my credit due to the nature of the institution involved.

My personal information was compromised, and I was informed that I may be eligible to apply for a program that can help remove my student loans from my credit report. These loans are directly tied to my time at XXXX XXXX XXXX XXXX XXXX, a school that is now permanently closed. 

The closure of this campus, and the school as a whole, stemmed from a lawsuit filed by former students. These individuals, like myself, were unable to secure employment after graduating or found that their credits would not transfer to other institutionsleaving them in a position of having paid for an education that ultimately held little to no value. The lawsuit highlighted the misleading and fraudulent practices carried out by the institution, which led to significant student debt with no return on investment.

I firmly believe that being forced to bear the burden of this debt is unjust and financially damaging, especially considering the schools closure was due to verified misconduct and misrepresentation. These loans continue to affect my credit, making it harder for me to move forward financially and professionally.

I respectfully request that my situation be reviewed for loan discharge or credit removal under any applicable borrower defense or similar relief program.

Thank you for your time and consideration.

Company response to consumer: Closed with explanation