vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: OH

Complaint narrative:
Company has failed to remove late payments as requested, and has also failed to provide proof of late payments. This has impacted my credit score by lowering, as well as causing significant financial hardship. the issue remains unresolved. I wish to provide additional bank statements with dates of proof with withdrawn payments that were paid to this company as proof for the following XXXX XXXX Acct # XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/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 2025-09-07 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
this company placed an account on my credit report stating that I owe them {$920.00} for an apartment rental that they were collecting on. I disputed this information and requested that they send me information on when they sent me any notice or any contract or anything that I have between them and I and they did not. I also requested that they send me proof of any payments made to them for any lease or any payments made Post lease for any bills that were sent to me. The company has not provided either of those things and has completed each dispute as resolved and accurate when it is not..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: OH

Complaint narrative:
XX/XX/XXXX used chime Bill pay paid XXXX XX/XX/XXXX used mail Bill pay paid XXXX and payment hasn't been cashed. XXXX XXXX says they need copies so they can research and find if payments in their system and chime won't provide copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc

Complaint narrative:
Urgent Complaint PayPal Holding Funds & Blocking Account Without Response To CFPB My name is XXXX XXXX XXXX, and I am a student currently residing in [ XXXX, XXXX ]. I am writing to file a formal complaint against PayPal , Inc., regarding the unjustified limitation of my account and the withholding of my funds. 

My account was blocked on XX/XX/year>. 

PayPal is holding my funds for 180 days, which I believe is unfair and abusive. 

I have repeatedly contacted PayPals support and offered to provide all required documents ( proof of address, proof of funds, even a video call to verify my identity ). I have received no response at all.

This situation has placed me under serious financial pressure, as I can not pay my bills or cover basic needs. I am requesting urgent assistance to release my funds or at least provide a clear and fair process to resolve this issue.

I am ready to provide any further documentation or verification needed. 

Thank you for your time and support. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: Self Financial Inc.
State: NC

Complaint narrative:
This account is the result of a data breach/identity theft and does not belong to me. Please remove it from my credit report immediately under FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
XXXX XXXX XXXX account # XXXX * * * * I had no car at all. 
IT's all fraud I never opened account like that, i never lived in addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX it's all fraud XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. it's all fraud Also Hard inquiries Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX TransUnion XXXX XX/XX/XXXX it's all fraud

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 2025-09-06 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: NY

Complaint narrative:
I recently reviewed my credit report and identified an account that was fraudulently opened in my name. This account are not mine, and their presence on my credit report is negatively impacting my creditworthiness and 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 2025-09-06 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:
I submitted a dispute/ validation request XXXX XXXX they replied saying the account has been verified as correct but no information was ever sent. The account was also sold to Jefferson Capital collection agency and now both are reporting negatively on my report. Account charged off. {$1.00}, XXXX written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: VA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-06 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: CA

Complaint narrative:
I recently review a copy of my credit report and noticed fraudulent account on it. Please remove theses account they are hurting my ability to get credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: NH

Complaint narrative:
I am writing to request the removal of inaccurate information from my credit report. The following payments have been reported as late, although they were never late : XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX : alleged late payment in XXXX. 

XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX  : alleged late payments in XXXX and XXXX. 

XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX : alleged late payments in XXXX and XXXX. 

XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX : alleged late payment in XXXX. 


These reports are inaccurate, and I request their immediate removal under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), which requires that all credit information be accurate and verifiable. 

Additionally, I request the removal of the hard inquiry from XXXX Bank dated XX/XX/2025, as I did not authorize this inquiry and its presence negatively impacts my credit score, violating my rights under the FCRA. 

I have attached supporting documentation and look forward to your prompt correction.

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 2025-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I currently have multiple student loans and my servicer is MOHELA. I am currently enrolled full time at XXXXXXXX XXXX  MOHELA is showing that two of my loans are in repayment and have been billing me, even though there is a widely known rule that you do not have to make payments while in school ( in-school deferment ). I have tried MULTIPLE times to contact MOHELA and they WILL NOT ANSWER THE PHONE. The automated system does not give you an option to speak to a person. This is predatory and cruel behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
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 : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account number : # 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 suppose 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 suppose 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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I am filing this complaint against American Express for unlawful collection and reporting practices on XXXX accounts : Account ending in XXXX. 

Account ending in XXXX. 

Background I have disputed these accounts multiple times in writing. 

American Express has failed to provide lawful validation required under federal law : Original signed application ( wet signature ). 

IP and geolocation logs. 

Chain of title/ownership. 

XXXX XXXX compliance documentation. 

Instead, American Express has repeatedly reassigned these same accounts to outside collectors, including XXXX XXXX XXXX XXXX, despite ongoing disputes and charge-offs. 

Violations of Law FCRA ( 15 U.S.C. 1681s-2 ( a ), ( b ) ) Furnishing unverifiable information and failing to conduct a reasonable investigation. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : CRA/furnisher must conduct meaningful investigations. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Furnishers must investigate beyond confirming internal records.

FCBA ( 15 U.S.C. 1666 ) Failure to investigate billing errors and fraudulent charges.

FDCPA ( 15 U.S.C. 1692g ) ( applied via third-party collectors ) : knowingly passing unvalidated accounts for collection constitutes willful disregard.

FDCPA 805 ( c ) Ignoring written notice to cease telephonic communication. 

XXXX XXXX XXXX XXXX XXXX after charge-off, where tax benefit has likely been claimed, is inequitable. 

I am also filing this complaint against XXXX XXXX XXXX XXXX, who has been assigned collection of my American Express account ending in XXXX with a purported balance of {$5400.00}. 

Background This account has been formally disputed multiple times. 

American Express has not provided lawful validation, including signed agreements, ownership chain, or IP verification. 

Despite ongoing disputes, XXXX has been assigned this debt and is attempting collection, which constitutes unlawful activity. 

Violations of Law FDCPA ( 15 U.S.C. 1692g ) Failure to provide adequate debt validation before attempting to collect.

FDCPA 1692e False and misleading representations, as billing summaries/statements are not legal validation.

FDCPA 1692f Unfair practices in attempting to collect unverifiable debt.

FDCPA 805 ( c ) Prohibited telephonic communication after written notice. FCRA ( 15 U.S.C. 1681s-2 ( a ) ) Any continued furnishing of unverifiable data to CRAs constitutes unlawful
reporting.

Case Law Support XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) : A billing statement is not sufficient validation. 

XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Collectors must provide clear, itemized validation. 

FTC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Attempting to collect without proper validation violates FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: Kikoff Inc.
State: IL

Complaint narrative:
I am disputing an account reported by Kikoff on my XXXX credit report KIKOFF INC XXXX XXXX XXXX XXXX XXXX XXXX. I did not open or authorize this account. Under 15 U.S.C. XXXX ( a ) ( XXXX ), no one may access or furnish my credit information without my written consent or a court order. This tradeline is unauthorized and inaccurate. 
The only fair resolution is to delete this Kikoff account from my file immediately. If it is not removed, I will escalate my complaint to the CFPB, FTC, my State Attorney General, and other appropriate agencies, and pursue legal remedies for violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
They send me gift card which is XXXX balance after taking XXXX dollars. 

There is no response from them I called csr n spend 4/ 5 hours daily and no responsible staff Sick n tires of amex

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I have disputed this Nelnet loan since XXXX  and have repeatedly requested validation of the alleged debt, including a true and certified copy of the original promissory note. Nelnet has failed to provide this. Instead, they sent me a packet demanding that I sign an Identity Theft / False Certification discharge form, which would force me to waive rights and assign away claims. I have not alleged identity theft I am disputing lack of validation and improper reporting. For XXXX years Nelnet has continued to report negative information despite no validation. This is an ongoing violation that has damaged me financially and personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: GA

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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, numerous companies accessed my credit file without my authorization. I did not apply for credit with these lenders, nor did I consent to any hard inquiries. These inquiries have negatively impacted my credit profile and were not initiated by me. 

In addition to the unauthorized inquiries, my credit report contains inaccurate personal information, including names and employers that do not belong to me. I have submitted formal disputes to the credit bureaus requesting removal of the following : Inquiries to be removed ( TransUnion, Equifax, Experian ) : Includes lenders such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and otherstotaling over XXXX inquiries across all three bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation