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

Complaint narrative:
These accounts are being fraudulently reported under my name without my authorization or awareness, and I have never authorized or managed them in any capacitythis is a clear violation of my rights. 
This is absolutely unacceptable, as it presents inaccurate and misleading information about my financial history that undermines my credibility and integrity. 
I take my credit profile extremely seriously, and discovering these unauthorized accounts has caused me profound concern and distress that demands resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
b'I am submitting this complaint regarding a debt reported by Exeter Finance (Account Number: XXXX XXXX XXXX XXXX). I do not recognize this debt and have not been provided with sufficient documentation to validate it.'

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

Complaint narrative:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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

Complaint narrative:
This is not a mistake my credit report contains clear inaccuracies that fail to meet the standards of maximum possible accuracy. These errors are severely impacting my life in ways that are deeply distressing and ongoing, and I demand they be corrected or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: KS

Complaint narrative:
On XX/XX/year> I refinanced XXXX of my FiIrstmark loans with XXXX. Firstmark applied XXXX of the payments to a loan with an interest rate of XXXX  % instead of the loan that was on the manifest that had a XXXX  % interest rate. I called Firstmark to get the correct loan payed off or have the interest rate changed to the number of the account that was payed off. They stated multiple times there is nothing they can do even though they admitted it was their fault and I am now stuck having to pay a higher interest rate on my loans for their mistake. They suggested I called the loan servicer XXXX XXXX but they were not able to provide any contact information and they did not have any information online. I am refinancing the rest of my loans with XXXX because it was unprofessional how they refused to fix their mistake but they need to be held accountable

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

Complaint narrative:
I am submitting this complaint because the information reported by the credit bureaus listed below contains inaccurate, outdated, and unverifiable accounts. I have attempted to dispute these items directly with the credit bureaus, but they have failed to correct or remove the incorrect data. I am requesting a full reinvestigation and deletion of any account that can not be verified according to the Fair Credit Reporting Act ( FCRA ). 


Disputed Accounts Charged Off XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XX/XX/XXXX, {$0.00} balance. 

This account is over XXXX XXXX XXXX and should no longer appear. Please remove as obsolete. 

XXXX  XXXX Account # XXXX XX/XX/XXXX, {$12000.00}. ( Obsolete over XXXX XXXX XXXX. ) XXXX  XXXX Account # XXXX XX/XX/XXXX, {$3400.00}. ( Disputed for accuracy and verification. ) XXXX XXXX Multiple accounts listed below, dated between XX/XX/XXXX XX/XX/XXXX. 

Many of these accounts appear duplicative or inconsistent in balance and status. 

I dispute all XXXX  accounts listed for verification, accuracy, and completeness : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Disputed Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX The following accounts show late payments I do not recognize or that were reported in error : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please investigate and remove or correct any inaccurate delinquencies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I do not recall authorizing this inquiry and request verification of permissible purpose under FCRA 604.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
Subject : Formal Dispute and Debt Validation Request Account # XXXX To : Mutual Management Services Re : Alleged Debt Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX6000.00} Dear Mutual Management Services, I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which you have reported or attempted to collect. I have no verified relationship with your company or with the original creditor you identified, and I was never provided proper notice of any such debt.

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I request full validation of this alleged account. Specifically, please provide : A copy of the original signed credit or lease agreement ( if applicable ) A full itemized statement showing how the balance was calculated The Forward Flow or Purchase Agreement showing transfer from the original creditor The complete chain of title or assignment documents establishing legal ownership A complete payment history, including all debits, credits, and delinquencies The original validation notice per FDCPA 1692g ( a ) Any Notice of Default or Intent to Collect required by law Proof that this account is within the statute of limitations for collection in my state The credit reporting authorization permitting you to report this account Records of any prior dispute investigations conducted under FCRA 1681i To date, none of these materials have been provided. Generic or automated responses do not meet the statutory requirement for debt validation. Until complete documentation is furnished, this account remains unverified and legally unenforceable.

Continuing to report or collect on an unverified debt constitutes a violation of FCRA 1681e ( b ) and 1681s-2 ( b ), and FDCPA 1692g ( b ). Federal courts have repeatedly affirmed that unverifiable or misleading information can not lawfully remain on a consumers credit report ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I checked my information because it was released into the data breach, the information on my consumer profile is inaccurate unauthorized and unverifiable I am a victim of identity theft.

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

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This is a formal dispute of the following inaccurate, unverifiable, or fraudulent information appearing on my consumer credit reports. 

All items listed below must be deleted immediately for failure of verification, lack of permissible purpose, or false association.

This request is made under 15 U.S.C. 1681i ( FCRA 611 ) and UCC 1-308 ( reservation of rights ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not mine / No signed contract Per FCRA 611 ( a ) ( 1 ) ( A ) and UCC 3-501, if the original signed document is not produced within 15 days, these accounts must be deleted. 

Delete all duplicate tradelines listed as XXXX XXXX / XXXX. 

These entries are repetitive and misleading under FCRA XXXX & XXXX ( b ).

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 2025-11-11 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
This is a formal dispute of the following inaccurate, unverifiable, or fraudulent information appearing on my consumer credit reports. 

All items listed below must be deleted immediately for failure of verification, lack of permissible purpose, or false association.

This request is made under 15 U.S.C. 1681i ( FCRA 611 ) and UCC 1-308 ( reservation of rights ). 

Consumer XXXX XXXX Not mine / No signed contract XXXX XXXX XXXX Not mine / No signed contract Per FCRA 611 ( a ) ( 1 ) ( A ) and UCC 3-501, if the original signed document is not produced within 15 days, these accounts must be deleted. 

Delete all duplicate tradelines listed as DPT ED / XXXX. 

These entries are repetitive and misleading under FCRA 602A & 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XX/XX/year> A natural Disaster Forbearance was automatically applied to my account due to my residence being located within a XXXX declared disaster zone. 
XX/XX/year> Payments became due. 
June 6 15 Day Late Notice July 6 45 Day Late Notice XX/XX/XXXX Address Change to XXXX XXXX XXXX XXXX, XXXX CA XXXX XX/XX/XXXX A new XXXX declared disaster affecting my new address. ( XXXX XXXX XXXX XXXX XXXXXXXX ). I was forced to evacuate my home at this time. 
At this point, a new natural disaster forbearance should have been automatically applied. I spoke to a Nelnet representative to confirm this information. Due to the evacuation, I did not have time to file the forbarence request asking for an extension. 
XX/XX/XXXX Missed payment notice. 
XX/XX/XXXX Nelnet reported XXXX delinquency to credit bureaus. 
XX/XX/XXXX - XXXX to a representative who confirmed natural forbearance could be applied and backdated. 
XX/XX/XXXX Forbearance request notice approved. However, delinquency was not removed. 
XX/XX/XXXX - Notice of investigation completion. Nelnet denied removing the delinquencies from my credit report because the request was filed after the 90 day delinquency mark, even though the disaster happened before the 90 day mark. 
XX/XX/XXXX - XXXX provided additional documentation ( lease agreement ) showing the address change. 
XX/XX/XXXX - Nelnet affirmed their denial.

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

Complaint narrative:
This complaint is deliberate and not made in error. I have reached out to the credit bureau several times requesting that all dispute remarks be removed and that any investigations for accounts I am no longer disputing be closed. Despite my repeated attempts, these dispute notations continue to appear on my credit report. These lingering comments are creating unnecessary setbacks, particularly as I am in the process of applying for a mortgage. The continued presence of in dispute or similar language misrepresents my actual credit standing and is interfering with my approval process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
So last year I was a victim of identity theft and the person that stole my identity and used my social opened many accounts including ones witXXXX XXXX XXXX XXXX  which I have tried to tell this debt XXXX but they wont listen or help me.

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

Complaint narrative:
I checked my recent credit report and there are multiple fraudulent accounts reporting these are not my accounts and therefore should be removed immediately. As to these accounts are damaging my file

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