vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax does not have a file on me despite me having one at some point. Equifax was the reason I was denied a home loan due to not having a credit file on me. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX MI XXXX. My employment is XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX. Any phone number remove it, it does not belong to me. I need Equifax to email the copy of my consumer report I have been unable to view or obtain. This is a violation of my consumer rights and causing me to be denied credit I qualify for. I also have active creditors that claim to have reported my account activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Soon looking at my credit report I noticed that XXXX XXXX was on my report in the amount of {$140.00} account number is XXXX. This is not my account and has to be removed I have filed a fraud case on this. There is no way this could have been verified. Also on my credit report is collections by XXXX XXXX ACCOUNT NUMBERS XXXX with amount {$400.00} as well as account number XXXX in the amount is {$430.00} as well as account number XXXX in amount of {$630.00}. None of these accounts are mine and can not possible be verified. XXXX XXXX  XXXX  is also on my report the account number is XXXX in the amount is {$730.00} XXXX  and XXXX  have also removed them please by law this need to be removed from my credit report failure to do so will result in filing a law suit against experian.

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 2025-08-26 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: MS

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Account was paid please remove account capital one sold account to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: PA

Complaint narrative:
All three credit bureaus Transunion, Equifax and Experian said information verified without sending me the information

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 2025-08-26 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: PA

Complaint narrative:
All three credit bureaus Transunion, Equifax and Experian said information verified without sending me the information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: GA

Complaint narrative:
These late payments occurred during a period of significant hardship for me, including [ briefly mention hardshipjob loss, illness, family emergency, etc. ]. Since that time, I have been working hard to stay on track, and all of my payments have been made on time. 


As a gesture of goodwill, I kindly request that you consider removing these late payments from my credit report. This would greatly support my efforts to rebuild my credit while I continue responsibly managing my loans. 



Thank you so much for your understanding and consideration. 



Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Ga XX/XX/year> XXXX [ Phone Number or Email ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
I am sending this complaint to Transunion regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with vmy federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have recently lost XXXX in chime and XXXX some has been taking money soon XXXX received it .. and it wasnt showing up in my account but I was sitting behind my mother when it was sent and it never showed up!! So they closed my account talking about fraud and they couldnt do nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
I am disputing inaccurate information on my credit report that is negatively affecting my ability to rebuild my financial stability. XXXX XXXX XXXX  accounts are being reported as charged off but still show balances owed, which is misleading and does not accurately reflect my true credit history.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Reported : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Reported : {$1900.00}

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 2025-08-26 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-26 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: FL

Complaint narrative:
I am sending this complaint to Transunion regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with vpnmy federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am sending this letter to you in response to a notice I received from you .Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalid information to any of the three major Credit Bureaus ( XXXX XXXX or XXXX  ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: PA

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. XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( 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 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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MA

Complaint narrative:
Been receiving multiple phone calls from a mortgage company trying to collect debt I do not own from them, being harassed daily at least XXXX times a day. This is debt I do not own to them, as I pay my bills before the due date. The address they sent on the email is completely false as I do not own property at that address. They then emailed me saying I owe debt which I do not and the email is completely fake. They are bothering me non stop, the debt they say I owe is {$560.00}, the first phone call started from XX/XX/year> and continue to today. I added myself to the do not call list, and I am thinking about filing a police report for harassment from them because they even call during my work day. I have blocked at least XXXX numbers and they still call me daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
They keep calling about debt that is already in collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: BTH Management
State: TN

Complaint narrative:
Dear Plaza Services, This letter is in response to your communication regarding the alleged XXXX account. While I appreciate your statement that the account has been ceased and that there will be no further communication from your office, I must formally address two key issues : 1. Inadequate Proof of Debt The documentation you provided does not constitute proper debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). A generic agreement or contract copy does not prove : That I am the responsible party for this specific debt The full itemized accounting and balance claimed The legal chain of assignment from the original creditor to your agency Until this information is fully validated, this debt remains disputed and unverified. 
2. Failure to Remove Account from XXXX XXXX XXXX You stated that the account has been ceased, yet it is still being reported on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), you are prohibited from reporting information that is inaccurate or that you can no longer legally verify.

Since the account is closed and you have ceased collection activity, it should also be removed from all credit reporting agencies XXXX XXXX XXXX and XXXX ). Continued reporting of a disputed and closed account is a violation of my rights under the FCRA.

Requested Action : I am demanding the immediate removal of this account from all consumer reporting agencies and written confirmation that it has been deleted.

If I do not receive confirmation within 15 business days, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I will also consider pursuing my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: MI

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 
The following accounts are in dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern : I am sending this letter to you in response to a notice I received from you .Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalid information to any of the three major Credit Bureaus ( XXXX XXXX  or XXXX  ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
On XX/XX/XXXX, I used my Barclays credit card to purchase items totaling {$430.00} from a merchant ( PayPhone ). The items ( toys, blocks, and a baby chair ) were never shipped. The merchant admitted this in writing through XXXX messages, which I provided to Barclays as part of my supporting documents. 

I opened a dispute with Barclays. Barclays issued a provisional credit on XX/XX/XXXX, but later closed the case on XX/XX/XXXX, stating that the merchant validated the transaction and that I had not followed the cancellation/refund policy. This is incorrect the issue is not about cancellation, it is about non-receipt of goods, which is a protected dispute category under the Fair Credit Billing Act.

I believe Barclays mishandled this dispute by ( 1 ) misclassifying it, and ( 2 ) refusing to review the case after I submitted proof from the merchants direct communication admitting the goods were never shipped.

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