vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
Company didn't provide the info to Experian either and they sent me their conclusions once again stating that they don't feel the information needs to be changed. Or something like that! But they are reporting wrong info showing consistently going over credit limit because the info about my account credit limits and other info not displayed anymore but never changed was also innacurate. Company hasn't provided any info which they only have 30 days to do so. And have failed to every time I submit the dispute. So they can't prove the info is correct and still refusing to remove it

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 2025-08-19 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: PA

Complaint narrative:
I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-08-19 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems regarding a debt I do not owe and have never agreed to. I have never signed a contract or entered into any financial arrangement with Jefferson Capital Systems or any affiliated entity. After requesting debt validation through the XXXX XXXX XXXX they failed to provide any documentationno signed agreements, receipts, claims, or payment history. While the account was removed from my XXXX  credit report, it remains on XXXX  and XXXX, negatively impacting my credit score. Despite the lack of validation, the company continues to harass me with phone calls and mailed letters. I have retained XXXX letters dated XX/XX/year>, and XX/XX/year>, as evidence of this ongoing and unjustified contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: MO

Complaint narrative:
Reviewing my credit to purchase a home and vehicle for my business.

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 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Years ago I settled a debt with portfolio recovery associates ( PRA ). This debt was settled and paid as agreed. Unfortunately they still have the debt listed on my credit report and this is negatively affecting my credit. This information on my report is false. If for some reason I am incorrect ( which I dont believe I am ) then all I am asking is for this company to send me the bill, but because this is already paid they are just ignoring my request and not removing the incorrect information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and discovered fraudulent student loan ( {$870.00} - XX/XX/year> ) in my name being serviced by Aidvantage. I got in touch with Aidvantage and was pressured into a forbearance and requested that I send the following : a completed identity theft affidavit, a police report from the XXXX XXXX XXXX  Department confirming my identity theft case, identity theft report filed with the Federal Trade Commission, and a Loan Discharge Application from the Department of Education. 

This documentation satisfies federal requirements ( and more ) for an identity theft report and proof of identity. Despite this, Aidvantage has refused to process my dispute unless I provide unnecessary and burdensome additional documents, including : my high school diploma, XXXX proofs of signature and XXXX proofs of address from around the time the loan was opened, a second identity theft report that explicitly lists the specific fraudulent loans. 

None of these demands are required by the FCRA or the Department of Educations regulations from what I can tell. These requests impose an unreasonable barrier to my dispute and violate my rights under federal law. I don't think the FCRA requires that an identity theft report list each fraudulent account, only that it establish identity theft, which my XXXX and FTC reports clearly do. 

XXXX conduct is delaying the blocking of fraudulent information on my credit reports, continuing to pressure me into forbearance ( by threatening to report delinquency to XXXX XXXX ) despite a valid dispute and identity theft report, and imposing irrelevant documentation requirements that create an undue burden and compromise my privacy. 

I want immediate compliance with Fair Credit Reporting Act : block the fraudulent account from all credit reporting and cease collection efforts. I want written confirmation that my dispute has been processed and the fraudulent debt is no longer attributed to me. I want an end to unnecessary documentation demands that go beyond federal law. 

I have already gone above and beyond by submitting most the these documents mentioned : FTC ID Theft Report, XXXX ID Theft Report, XXXX  XXXX XXXX XXXX, High School Diploma, XXXX proofs of address and XXXX proofs of signature from the exact month they requested. 

Aidvantages unreasonable demands have caused significant stress, unnecessary delays, and risk of further identity theft exposure. Additionally, their failure to block fraudulent information may damage my credit and financial standing. I'm stopping here ; my time ends now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: 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  XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX {$1400.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX {$900.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$6900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  {$0.00} DXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$230.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$3900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a dispute of a fraudulent account listed under my name. I have no knowledge of this account, nor have I authorized it. Its presence on my credit file is harmful, inaccurate, and must be removed.

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 2025-08-19 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: NJ

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. My credit report contains numerous errors that I can no longer ignore, as they have been severely impacting both my life and my credit score, preventing me from achieving financial stability and freedom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: DC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-19 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: FL

Complaint narrative:
I had an issue with a of an XXXX on XXXX that was defective and the third party seller would not send me a prepaid label so I did a charge back with my Capital One credit card and received a refund. Capital One then restricted my account for too many payments/credits and requested my XXXX XXXX bank statement to verify ownership of this account and payments made are from my account which I sent statement to them. I have been sending payments from the same account for years. Now I have no access to my card or the {$500.00}. Credit from XXXX and they are showing my account in the negative ( which affects my credit score ) and cant tell my why its in the negative. Capital One told me to wait XXXX  days to verify ownership of my XXXX XXXX account which I need access to my credit from XXXX now to buy another XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NV

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the accuracy of a collection account that has been reported on my credit file. The account in question is not mine and is the result of identity theft. I am a victim of fraudulent activity, and under the Fair Credit Reporting Act ( FCRA ), Section 609 & 611, I am requesting an immediate investigation and removal of this inaccurate item

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I disputed multiple accounts with XXXX XXXX on XX/XX/year>, regarding inaccurate charges on my credit report. Under the Fair Credit Reporting Act ( FCRA ), the creditors are required to verify disputed accounts and respond within 30 days.

Despite the passage of 30 days, the creditors failed to provide any proof that these accounts belong to me. I received no verification, and the accounts remain on my credit report. Because the creditors did not respond within the required timeframe, these tradelines are considered unverifiable and should be removed from my credit report.

I am requesting that the CFPB assist me in ensuring these accounts are removed or corrected on my credit report. I have attached documentation showing the original disputes, the lack of verification, and the current inaccurate 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Complaint Summary XXXX XXXX XXXX and Equifax are reporting my account inaccurately in multiple ways : Wrong DoFD : Reported as XX/XX/year>, but I made a payment that same month. DoFD must be the start of uninterrupted delinquency.

Re-Aged Account : Equifax shows 6 months old, but account opened XX/XX/year> ( over 2 years ago

). Illegal re-aging under FCRA. Past Due After Charge-Off : Shows charge-off and also {$1000.00} past due, which is misleading without a billing basis. Investigation Failure : Equifax marked the account updated without proof and now blocks further disputes with Dispute not available. Relief Requested Delete tradeline if original records can not be provided. Require Equifax to provide full Method of Verification and correct or delete reporting. Investigate XXXX XXXX for re-aging and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX XXXX, GA XXXX XXXX XXXX, XXXX Subject : Dispute of Inaccurate Information Under the FCRA I am formally disputing the following account on my credit report, which i believe is inaccurate and should be removed. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15 U.S.C. 1681i ] You are required to verify the accuracy of these item. If you can not fully verify it within XXXX days, it must be deleted. 

XXXX XXXXXXXX XXXX ( XXXX ) ( Open in Transunion and Equifax but no account for Experian ) XXXX XXXX XXXX ( XXXX ) ( Open in Transunion, Closed in Equifax and Experian ) XXXX XXXX ( XXXX ) ( Open in Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXXXXXX ( XXXX ) ( Open in Transunion and Equifax, Closed in Experian ) XXXX XXXXXXXX XXXX ( XXXX ) ( Closed in Transunion and Equifax, no account in Experian ) Deptednelnet ( XXXX ) ( Closed in Transunion and Equifax, no account in Experian ) XXXX XXXX XXXX ( XXXX ) ( Closed in Transunion, Equifax, and Experian ) XXXX XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Experian, Open in Equifax ) XXXX, XXXX ( XXXX ) ( No Account for Transunion and Experian, Open in Equifax XXXX XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) Any closed account and that is inaccurate must be immediately deleted at investigating.

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 2025-08-19 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: GA

Complaint narrative:
After checking my Experian report I noticed fraudulent inquiries, names, addresses, and employers. In addition to what was already listed the name 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 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 also fraudulent and need to be removed because 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 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit management in Texas keeps calling me at all hours.

today at XXXX XX/XX/XXXX threatening to call my employer and to contact local authority XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX are all dates calls that threatned me by different call reps

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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 XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX -Balance {$3600.00} - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX 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 2025-08-19 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: LA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief