vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I formally disputed this account with all three major credit bureausXXXX XXXX XXXX XXXXregarding the inaccurate and unauthorized debt being reported by XXXX XXXX XXXX XXXX At the time, I was unaware that XXXX XXXX XXXX XXXX was operating under the XXXX XXXX brand. I did not send a direct dispute to the creditor until recently, once I learned of their separate legal identity. No response or proper debt validation was ever provided by the collector Lockhart, Morris & Montgomery, despite threatening letters and calls. 

This debt is the result of identity theft, and at no point was I provided clear notification of my right to dispute directly with the creditor. The company failed to provide proper validation, and the collection agency continued to pursue the debt despite multiple disputes submitted through the credit bureaus. After further review, I discovered the loan was originated by XXXX XXXX XXXX XXXX, which operates under the trade name XXXX XXXX. I sent a formal dispute and request for validation to XXXX  XXXX. Lockhart , Morris & Montgomery later attempted to collect on this account under a different name without validating the debt, despite identity theft concerns. I am including evidence showing direct marketing from XXXX XXXX XXXX and dispute activity with both parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
[ SEE ATTACHMENT FOR SPECIFIC DETAILS ] I discovered that my credit report contains several pieces of inaccurate and outdated personal information that I have already disputed with the credit reporting agencies. Despite submitting a formal written request, the following incorrect or obsolete data still appears on my reports : Multiple name variations Ive never used or authorized Addresses I havent lived at in years or have never lived at Employers Ive never worked for or are no longer accurate A phone number that does not belong to me Most concerning : Equifax lists an Other Identification Information item with a type code of SSN, but the number displayed is not my Social Security number. This is extremely misleading and may be linked to account mix-ups or false reporting. 

These issues increase the risk of mixed file errors, identity confusion, and wrongful account reporting. I believe the credit bureaus are violating my rights under the Fair Credit Reporting Act by continuing to report unverifiable and outdated personal data even after Ive disputed it. 

This situation violates the following sections of the FCRA : 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] failure to ensure maximum possible accuracy 611 ( a ) [ 15 U.S.C. 1681i ] failure to reinvestigate disputed personal data 605 ( a ) ( 5 ) [ 15 U.S.C. 1681c ( a ) ( 5 ) ] reporting of outdated or irrelevant identifiers I am concerned that these errors are contributing to false account linkages and inaccurate credit reporting, and I want my file cleaned up to reflect only correct and verifiable information. 

I affirm under penalty of perjury that the personal information I am disputing is either inaccurate, outdated, or never associated with me. I have reviewed this information carefully and confirm that I have not used or authorized the name variations, addresses, employers, or phone numbers listed. The presence of these entries is causing harm and confusion, and I am requesting their permanent removal based on my sworn personal knowledge.

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 2025-07-27 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 605B, and the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692 et seq., I am exercising my federal rights to have these unauthorized or inaccurate accounts permanently removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The company failed to validate these debt by not sending me all the information i ask for. 
XXXX XXXX XXXX XXXX XXXX XXXX 1. Have any insurance claims been made by any creditor regarding these ACCT? 
2. Any agreement that bears the signature of debtor. Wherein agreed to pay creditor?

3. Have any judgment been obtained by any creditor regarding this account?

4. Please provide me the name and address of the bonding agent for collection company name, incase legal action becomes necessary.

5. Sign agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The company failed to validate these debt by not sending me all the information i ask for. 
XXXX XXXX XXXX XXXX XXXX XXXX 1. Have any insurance claims been made by any creditor regarding these ACCT? 
2. Any agreement that bears the signature of debtor. Wherein agreed to pay creditor?

3. Have any judgment been obtained by any creditor regarding this account?

4. Please provide me the name and address of the bonding agent for collection company name, incase legal action becomes necessary.

5. Sign agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector?

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: CA

Complaint narrative:
I signed up for a Netspend debit card account using Their website promo that Id receive a {$200.00} bonus with a {$400.00} direct deposit. Made direct deposit Monday XX/XX/XXXX. The promo details say that the {$200.00} bonus would be paid within XXXX business days. It is now XX/XX/XXXX and they have been giving me the runaround for over a week. All I want is for them to honor their promotion, and to credit my {$200.00} bonus.

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 2025-07-27 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: AL

Complaint narrative:
[ SEE ATTACHMENT FOR SPECIFIC DETAILS ] I discovered that my credit report contains several pieces of inaccurate and outdated personal information that I have already disputed with the credit reporting agencies. Despite submitting a formal written request, the following incorrect or obsolete data still appears on my reports : Multiple name variations Ive never used or authorized Addresses I havent lived at in years or have never lived at Employers Ive never worked for or are no longer accurate A phone number that does not belong to me Most concerning : Equifax lists an Other Identification Information item with a type code of SSN, but the number displayed is not my Social Security number. This is extremely misleading and may be linked to account mix-ups or false reporting. 

These issues increase the risk of mixed file errors, identity confusion, and wrongful account reporting. I believe the credit bureaus are violating my rights under the Fair Credit Reporting Act by continuing to report unverifiable and outdated personal data even after Ive disputed it. 

This situation violates the following sections of the FCRA : 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] failure to ensure maximum possible accuracy 611 ( a ) [ 15 U.S.C. 1681i ] failure to reinvestigate disputed personal data 605 ( a ) ( 5 ) [ 15 U.S.C. 1681c ( a ) ( 5 ) ] reporting of outdated or irrelevant identifiers I am concerned that these errors are contributing to false account linkages and inaccurate credit reporting, and I want my file cleaned up to reflect only correct and verifiable information. 

I affirm under penalty of perjury that the personal information I am disputing is either inaccurate, outdated, or never associated with me. I have reviewed this information carefully and confirm that I have not used or authorized the name variations, addresses, employers, or phone numbers listed. The presence of these entries is causing harm and confusion, and I am requesting their permanent removal based on my sworn personal knowledge.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
[ SEE ATTACHMENT FOR SPECIFIC DETAILS ] I discovered that my credit report contains several pieces of inaccurate and outdated personal information that I have already disputed with the credit reporting agencies. Despite submitting a formal written request, the following incorrect or obsolete data still appears on my reports : Multiple name variations Ive never used or authorized Addresses I havent lived at in years or have never lived at Employers Ive never worked for or are no longer accurate A phone number that does not belong to me Most concerning : Equifax lists an Other Identification Information item with a type code of SSN, but the number displayed is not my Social Security number. This is extremely misleading and may be linked to account mix-ups or false reporting. 

These issues increase the risk of mixed file errors, identity confusion, and wrongful account reporting. I believe the credit bureaus are violating my rights under the Fair Credit Reporting Act by continuing to report unverifiable and outdated personal data even after Ive disputed it. 

This situation violates the following sections of the FCRA : 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] failure to ensure maximum possible accuracy 611 ( a ) [ 15 U.S.C. 1681i ] failure to reinvestigate disputed personal data 605 ( a ) ( 5 ) [ 15 U.S.C. 1681c ( a ) ( 5 ) ] reporting of outdated or irrelevant identifiers I am concerned that these errors are contributing to false account linkages and inaccurate credit reporting, and I want my file cleaned up to reflect only correct and verifiable information. 

I affirm under penalty of perjury that the personal information I am disputing is either inaccurate, outdated, or never associated with me. I have reviewed this information carefully and confirm that I have not used or authorized the name variations, addresses, employers, or phone numbers listed. The presence of these entries is causing harm and confusion, and I am requesting their permanent removal based on my sworn personal knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX ( MOHELA ) XXXX XXXX XXXX XXXX, MO XXXX Re : Urgent Request for Forbearance and Discharge of Student Loan Due to Privacy Breach Account Number : To Whom It May Concern : I am writing to formally request immediate action regarding my federal student loan account with MOHELA. 

As you are aware, I filed a Family Educational Rights and Privacy Act ( FERPA ) complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a serious privacy breach involving the Department of Educations ( DOE ) DOGE team. This breach has resulted in a significant compromise of my personal and financial information. This matter is currently under investigation by the appropriate authorities. 

Given the severity of this breach and the ongoing investigation, I am requesting the following : Immediate administrative forbearance on my account while this matter is under review to prevent any adverse financial impact. 

Full cancellation and discharge of my student loan debt due to the substantial violation of my privacy rights and the resulting harm caused by this breach. 

It is unacceptable that despite my prior requests for forbearance pending this investigation, MOHELA has continued to demand payment and has failed to provide a substantive response. This letter serves as my formal request that MOHELA immediately : Place my account in forbearance effective immediately. 

Provide a written response within 15 days confirming receipt of this letter and outlining steps being taken. 

Review and process my request for loan discharge due to the extraordinary circumstances surrounding this privacy violation and ongoing litigation. 

Please consider this an urgent matter. If I do not receive a timely and adequate response, I will escalate this complaint to the Department of Educations Federal Student Aid Ombudsman Group and other relevant oversight agencies. 

Thank you for your immediate attention to this matter.further exacerbates the harm caused by the breach and constitutes a failure to act in good faith. 

Additionally, I am aware that MOHELA is currently under investigation for other compliance violations. These ongoing issues underscore the need for immediate and corrective action regarding my account. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-27 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 ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: CT

Complaint narrative:
I asked the company to verify the debts send me the information I requested nothing happened the amount {$4600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX I tried to get them to prove it also company XXXX XXXX XXXX XXXX  put this on my credit report said I owed them $ XXXX tried to get them to remove it nothing happened also company XXXX XXXX  said I owed {$12000.00} with out proving it also said I owed another {$3000.00} dollars they giving me so much stress each day they tried to sued me in court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: EQUIFAX, INC.
State: AL

Complaint narrative:
in XX/XX/year>, I was made aware that my information had been exposed in the Equifax data breach since I have had a moment to review my credit report and dissect several fraudulent accounts that were not open by me. The fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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:
I am filling a compliant because a creditor is reporting late payments on account ending in in the last XXXX digits # XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnishers, but the late payments remain without proper validation or documentation. Under 15USC1681 S2A, furnishers must report accurate information under 15USC1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After reviewing my credit report XXXX XXXX is illegally reporting inaccurate information on my credit report which goes against the FCRA laws they have XXXX different dates and XXXX different amounts but they sold the account but actively it shows on my report so I finally made contact with the company who got the account to attempt to make this right and I was made to pay a dollar they pulled up my report and told me that upgrade violated the FCRA law but yet no agreement about the account they have sued me for

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 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
-Received text on XX/XX/year> from XXXX that reads XXXX XXXX this text is from XXXX XXXXXXXX XXXX a debt collector regarding your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXor which the current creditor is JEFFERSON CAPITAL SYSTEMS LLC ) account. Visit XXXX XXXX XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. XXXX XXXX XXXX XXXXXXXX Reply STOP to opt out. 
XXXX XX/XX/year> I submitted a dispute through XXXX XXXXXXXX and on XX/XX/year> it was denied -On XX/XX/year> I called to get more information as I noticed the collection was also reflecting on my XXXX XXXX and dropped my credit score. I tried to dispute the collection with the lady on the phone as she stated the collection is for a XXXX XXXX that now has a balance of {$1300.00}. I do not live in Missouri and never opened up a credit card with that bank. I have no knowledge of the account. The lady I spoke with said she can not handle disputes, she only works for the collection agency but put me in contact with someone who could help me retrieve official documentation with the exact location the account was opened, signatures, etc. I got in contact with the lady for the documents. I asked her to email me that information so I could get it taken care of ASAP. She said it can only be mailed and could take anywhere from 30-60 days. I never received the documents. 
-On XX/XX/year> I submitted another dispute through XXXX XXXX and on XX/XX/year> it was resolved as Unknown. It said if I'm not satisfied with that result to go to XXXX site and request for investigation directly. I tried to do that 3 times but website was finicky. 
-On XX/XX/year> I called Customer Support to help with next steps which led me here to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  I had a negative account added to my credit report that doesnt belong to me.I have contacted Jefferson Capital multiple times to let them know that this account doesnt belong to me and please stop reporting it to my credit report. They continue to report information that doesnt belong to me every month and will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-07-27 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation