vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: IN

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to find I had been the victim of identify theft I do not recognize this account please remove this from my credit report they are hurting my ability to obtain credit. 

Under 15 U.S. Code 1681i, also known as the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. The credit reporting agency is required to : Conduct a reasonable reinvestigation of the disputed information, typically within 30 days ; Delete or correct inaccurate, incomplete, or unverifiable information ; Provide me with the results of the investigation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the [ Experian / Equifax / TransUnion ] 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 receiving this complaint. 

The following fraudulent, inaccurate, and unauthorized accounts have appeared on my credit report : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the [ Experian / Equifax / TransUnion ] 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 receiving this complaint. 

The following fraudulent, inaccurate, and unauthorized accounts have appeared on my credit report : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the [ Experian / Equifax / TransUnion ] 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 receiving this complaint. 

The following fraudulent, inaccurate, and unauthorized accounts have appeared on my credit report : XXXX XXXX  XXXX XXXX XXXX {$2100.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$420.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$390.00} XXXX ( Original Creditor : XXXX XXXX ) Balance : {$2100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} I never done business with these creditors and disputes the accuracy and legitimacy of these accounts.These accounts have caused damage to my credit and are the direct result of identity theft.

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 2025-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX Washington XXXX, MI XXXX XX/XX/XXXX To Whom It May Concern, I am filing a formal complaint regarding a fraudulent student loan account that has been reported under my name by the Department of Education XXXX Aidvantage. 

The account, listed as Account XXXX XXXX, shows an open date of XX/XX/XXXX. However, I did not attend any educational institution during that time, nor did I apply for or authorize any student loans. I have reason to believe this account was opened without my knowledge or consent, possibly due to identity theft. 

Despite my attempts to resolve the issue with the loan servicer and the credit bureaus, the account continues to be reported on my credit file. I have not received any verification or signed documentation proving that I applied for or benefited from this loan. 

I am requesting the assistance of the Consumer Financial Protection Bureau in investigating this matter and ensuring that the fraudulent account is deleted from my credit report and that all Servicing and collection activities cease immediately. 

Thank you for your time and support in protecting consumers from fraudulent activity and credit Reporting violations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
b"My bank and all others have been very helpful. It appears my identity has been stolen. I have recieved fraudulent emails that looked realistic about a bitcoin purchase from my PayPal account and i was stupid enough to believe the scammers and gave them access to my computer. I have had calls that a suspicios transaction occurred from my bank as the scammers pretended to be my bank alert protection. I have had the scammers attempt to open at least one loan. I have recieved numerous voice-mail that are not complete and sound as if it is a copied legitimate voice-mail that they are reusing that suggests calling back for something that sounds like a loan ( truncated message that doesn't include all information). The calls are from all around the country. Please publish the numbers below as scamming numbers for all to be leery of in the future. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: MI

Complaint narrative:
CFPB Complaint Summary 1. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
2. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
XXXX XXXX, I experienced a foreclosure on my home that was directly connected to financial abuse and coercive control I endured during a prolonged period of XXXX XXXX This included severe restrictions on my ability to earn, control, or manage money independently. As a result, I was unable to maintain stable housing or make informed financial decisions. 

Despite no longer being under coercion, the long-term economic consequences oXXXX XXXXcluding mortgage delinquency and property losscontinue to appear across specialty consumer reports such as those maintained by XXXXXXXX XXXX and DataVerify. These agencies aggregate and share this information with lenders, which places me at risk of further denial of housing and credit opportunities. Although I have exercised my rights under FCRA Section 605C, these agencies either continue to report this data or have not confirmed suppression. 

I have also submitted documentation of my XXXX XXXX  status to all major credit bureaus, who have acknowledged my request and removed or suppressed the adverse information accordingly. However, the specialty consumer reporting agencies appear to operate outside this framework or lack transparency in their procedures for 605C compliance. 

I am filing this complaint to ensure that all consumer reporting agencies, including those outside the big three, honor the legal protections extended to survivors like me. The continued presence of this data retraumatizes victims and violates federal consumer protection law. 

I respectfully request the CFPBs assistance in enforcing Section 605C compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
These are the accounts thats been reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: LA

Complaint narrative:
Equifax has denied me any credit services promised free as well as no payment for my data being in 2017 breach I filed report way before time to be included in class action suit with my information then all of sudden they acted like I was to late which is a lie. on top of that the main problem is no matter how hard I try there credit reporting information which they have for me is incorrect and not allowed to update it can't even ever get a score please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SunTx Capital Partners
State: TX

Complaint narrative:
XXXX, I submitted a complaint to the CFPB regarding inaccurate information reported and the company didn't respond in 15days, nor have they responded to my complaint in 60 days. Complaint submit date : XXXX and no response as of today the XX/XX/year>. so, I am respectfully requesting that this charge off account be deleted immediately company no response.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I previously disputed this account with the credit bureau, but they failed to correct the inaccurate reporting. The account was paid/closed and is still showing a charge-off or late payment, even though I never used the card or missed a payment. This is negatively affecting my ability to qualify for housing. Im requesting a proper reinvestigation and removal if the account can not be verified with accurate information per the Fair Credit Reporting Act ( FCRA ).

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 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously disputed this account with the credit bureau, but they failed to correct the inaccurate reporting. The account was paid/closed and is still showing a charge-off or late payment, even though I never used the card or missed a payment. This is negatively affecting my ability to qualify for housing. Im requesting a proper reinvestigation and removal if the account can not be verified with accurate information per the Fair Credit Reporting Act ( FCRA ).

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 2025-07-12 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: CL Holdings LLC
State: FL

Complaint narrative:
I am currently in the process of purchasing a home and a new vehicle to accommodate the needs of my growing family. During this process, I reviewed my credit report and was alarmed to find that several debt XXXX have submitted false, inaccurate, and unverifiable information to the credit bureaus. 

These entries were added without my knowledge or consent, and to date, I have not received any documentation from these agencies providing proof of the alleged debts, including any signed contracts, verification of identity, or a copy of my drivers license. This lack of proper validation is a serious concern, as it directly impacts my ability to secure essential housing and transportation for my family. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to dispute any information on my credit report that is inaccurate or can not be verified. It is also the responsibility of the furnishing party to ensure that all information reported is complete and accurate, and that they respond to any dispute in a timely and lawful manner. 

I am requesting a thorough investigation into these claims and the immediate removal of any unverifiable or fraudulent accounts in accordance with the rights granted to me under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received a notice that my account was restricted due to usual activity. I was assigned a business account that I never applied for. My account is personal checking and savings account. Pay pal account access to plaid disconnected. Errors and fraudulent information attached to my account. I use this account often and direct deposits often. This fraudulent information and affected my credit report and XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received a suspicious hearing notice dated * * XX/XX/year> * *, allegedly from * * Midland Credit Management * *, regarding an unspecified debt. The document : - Referenced * * XXXX XXXX * * but lacked valid proof of service- Was * * not sent via certified mail * * and had * * no breakdown of the alleged debt * * - Included a * * docket number ( XXXX ) * * that appears fabricated or unverifiable XXXX XXXX records list no such case - Displayed * * copied/facsimile signatures * *, raising serious questions about document authenticity - Was mailed from * * XXXX * *, yet appears mass-produced and may originate from external fulfillment channels- Arrived simultaneously with an advertisement from a defense firm ( * * XXXX XXXX * * ) dated XXXX XXXX XX/XX/XXXX * *, a full day before the hearing notice, suggesting possible coordination or unethical targeting I have documented the envelope, timestamps, and full contents. The notice triggered significant distress and confusion, particularly given my PTSD diagnosis and history of ADA-related discrimination.

This appears to be a * * pattern of deceptive conduct * * designed to resemble official court communication, intimidate consumers, and provoke premature settlement or response violating the * * Fair Debt Collection Practices Act ( FDCPA ) * * and potentially the * * FTC Act ( 15 U.S. Code 45 ) * *. 

I am also pursuing verification through the XXXX XXXX XXXX XXXX and plan to report these findings to additional regulatory bodies, including : - The * * Consumer Financial Protection Bureau ( CFPB ) * * - The * * Texas Attorney Generals Office * * - The * * U.S. Department of Justice ( ADA Division ) * * -- - * * Requested Action : * * I request a formal investigation into * * Midland Credit Managements mailing and litigation tactics * *, including : - Verification of the cases existence in XXXX XXXX - Validation of proper service and docket legitimacy - Review of potential FDCPA violations tied to this incident - Clarification of how law firms may be obtaining mailing lists before official service occurs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I've been denied credit, and one creditor said Experian could not verify my identity. So I logged on to Experian 's web site with my existing account to look for anomalies. They had an old cell phone number, so I tried to update that. They sent a verification code to my email address on file. Fine. Except that I never received their email in many attempts. All their automated systems are a giant " check your Spam folder '' loop. It ain't in the Spam folder. I have disabled all email rules and filters. I receive email from other senders with no problems, including from consumerfinance.gov. I can not speak to a human at Experian, so I am at an impasse and can not get 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