vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: KY

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-01 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00}

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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Credit Corp Solutions Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : FORMAL DISPUTE & DEMAND FOR VALIDATION UNDER 15 U.S.C. 1692g Account Numbers : XXXX {$800.00} | XXXX {$260.00} To Whom It May Concern : I am formally disputing the validity of the above-referenced accounts allegedly assigned to your agency, Credit Corp Solutions Inc. , for collection and/or reporting. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), this is a legal demand for full and complete debt validation. 

You are required to produce the following documentation for both accounts : A copy of the original signed contract or agreement associated with each debt. 
A complete itemized breakdown showing all charges, fees, interest, and payments that make up the balances of {$800.00} and {$260.00}. 
A comprehensive flow sheet or account history showing how these balances were calculated. 
Proof of assignment or ownership, including full documentation showing the legal transfer of the accounts from the original creditor to Credit Corp Solutions.

A copy of your state license to collect debt in Illinois.

The name and credentials of the individual who verified these accounts for credit reporting purposes.

Be advised : Do not respond with a bill, invoice, or account summary. These do not satisfy the legal requirements for validation under 15 U.S.C. 1692g. 
Until you provide all of the above for both accounts, you are required to cease all collection activity and remove any credit reporting entries made to XXXX XXXX XXXX XXXX. Failure to validate while continuing to report is a direct violation of the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ) and the FDCPA. 

If you can not fully validate these accounts, they must be immediately deleted from all credit reports. 

Failure to comply will result in : A complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) Notification to the Illinois Attorney Generals Office Possible civil legal action for damages under the FDCPA and FCRA You have 30 days from receipt of this letter to fully comply. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-01 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:
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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies. I entered into a loan agreement with XXXX XXXX XXXX A tradeline reflecting this account was added to my credit reports shortly thereafter. On However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation. Accordingly, I respectfully request that XXXX immediately update my account information with the credit reporting agencies to accurately reflect my full payment and balance history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Spring Oak Capital XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION UNDER 15 U.S.C. 1692g Account Number : XXXX Balance Reported : {$5700.00} To Whom It May Concern : This letter serves as a formal dispute and demand for full legal validation of the above-referenced account, which is currently being reported and/or collected by Spring Oak Capital LLC . In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am exercising my legal right to request all relevant documentation before any further collection efforts or credit reporting continue. 

You are required to provide the following documentation : A copy of the original signed agreement or contract that created the alleged debt obligation. 
A detailed, itemized statement showing the breakdown of the {$5700.00} balance, including all fees, interest, charges, and payments applied. 
A comprehensive flow sheet or full account history explaining how the balance was calculated. 
Full documentation of assignment, including the complete chain of title from the original creditor to Spring Oak Capital LLC.

A copy of your license to collect debts in the State of Illinois.

The name and credentials of the individual who verified this debt for credit reporting purposes.

Do not send a bill, invoice, or final statement. Those documents do not satisfy the legal requirement for validation under 15 U.S.C. 1692g and will be treated as a failure to validate.

Until full and proper validation is received, you are required by law to cease all collection efforts and remove any reporting of this account from XXXX XXXX  and XXXX Any continued collection or reporting activity without proper validation constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ).

If you are unable to validate this account, I demand that it be immediately removed from all credit bureaus and that all collection activity cease. 

Failure to comply within 30 days will result in : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A complaint to the Illinois Attorney Generals Office And civil action for damages under the FDCPA and FCRA Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
This letter is to bring to your attention an inaccuracy related to an account reported on my credit file. The current status reported is incorrect and does not accurately reflect my payment history or standing with the creditor.

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 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The company closed my prior complaint lying stating they tried to reach me by phone regarding credit increases with the phone number thry have on file. Absolute lies. I have called them multiple times regarding credit limit increases, I have made multiple requests through the app. I just made them again. My phone number on file is correct. My payment history with them is impeccable and my credit rating is currently like XXXX while they have 2 cards open to me. 1 has {$200.00} limit and one has {$300.00} limit with exorbitant rates i have had for over a year making multiple payments a month way over the minimums and they have yet to raise my credit limit like my other credit cards. None of my other cards are this low and they lied just now to close my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
XXXX XXXX XXXX  companies deleted on my credit report now back on my credit report. Mohela would like deleted from my credit report FCRA.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-01 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: Continental Finance Company, LLC
State: PA

Complaint narrative:
Complaint Regarding Fraudulent Debt Still Reported as Charge-Off on Credit Report To Whom It May Concern : I am writing to formally file a complaint regarding a fraudulent debt reported by Continental Finance Company on my credit report. The This account was fraudulent and was not opened by me. After discovering this issue, I reported the fraudulent activity to all the 3 credit bureaus .Upon investigation, all three credit bureaus confirmed that the account was fraudulent and ruled in my favor. Despite this, the debt remains listed on my credit report as a charge-off, negatively impacting my credit profile. Furthermore, Continental Finance Company attempted to collect this fraudulent debt, causing unnecessary stress and hardship. Their failure to acknowledge the findings of the credit bureaus and remove this invalid debt from my report constitutes unfair and improper practices. My request : 1. Immediate removal of this account from my credit report across all three bureaus. 2. Confirmation from Continental Finance Company and the credit bureaus that the charge-off status has been deleted. 3. Assurance that no further collection attempts will be made regarding this fraudulent account. Attached to this complaint is my FTC affidavit. They originally took this debt off my credit and it remained off for a few months and then just recently they added it back to my credit as a charge off without any debt owed. I have already complained about this company multiple times and they keep trying illegal tactics and violating my rights.This situation has caused significant harm to my credit and personal well-being. I ask for the CFPBs assistance in ensuring this matter is resolved promptly and fairly. Thank you for your attention to this issue.

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 2025-08-01 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: AL

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX CT AL XXXX XXXX XXXX - Date Opened 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 2025-08-01 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: AL

Complaint narrative:
Starting around XX/XX/year> I requested a refund from my student loan I was due back. I have called over a dozen times to Mohela and been on hold each time for over an hour. Representative states " I will resubmit you again and it could take up to 8 weeks ''. After that time period, I do not have refund and have to call again to request again and told the same thing. This has been over a year and still have not received refund. The last call I was told it was escalated to someone higher, however I still have not received refund.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXRE: Dispute of Inaccurate Reporting  Santander (Acct XXXX XXXX)\n\nTo Whom It May Concern:\n\nThis is a formal dispute of the XXXX  account being reported on my Experian credit file under account number XXXX  This tradeline contains several reporting inaccuracies and legal conflicts:\n\nAccount is shown as Open and Current, yet XXXX reports it as Closed and Charged Off.\nBalance owed is XXXX with a status of Current, which contradicts XXXX charge-off balance of XXXX and XXXX reported XXXX balance.\nYouve reported the creditor type as Personal Loan, which conflicts with other reports stating Auto Financing.\nThis conflicting and incomplete information violates FCRA  623(a)(1)(A) and FCRA  1681e(b), which mandate data furnishers and CRAs to ensure accurate and complete reporting.\n\nI am requesting that Experian:\n\nImmediately delete this account due to unverifiable and inconsistent reporting, or\nProvide verifiable documentation that supports the current status and balance reported across all three bureaus\nFailure to correct or remove this account within the 30-day investigation window will result in complaints filed with the CFPB, FTC, and Illinois Attorney Generals Office.\n\nSincerely,XXXX XXXX

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