vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Personal information is not correct and account was opened without my consent or knowledge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
This account is not mine and is being inaccurately reported on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TN

Complaint narrative:
This letter serves as a formal dispute of several accounts and inquiries on my Equifax credit report that may have been impacted by a data breach. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i ( a ), Equifax is required to maintain procedures that ensure maximum possible accuracy of consumer information and to promptly reinvestigate disputed items. 
I am requesting that Equifax conduct an immediate reinvestigation and remove any item that can not be fully verified with complete and accurate documentation from the original creditor. The following accounts are disputed as inaccurate or potentially compromised : Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$26.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$23000.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1800.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1800.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1800.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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:
This is not my account, and it appears on my credit report in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: OH

Complaint narrative:
This is not my account, and it appears on my credit report in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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:
THIS ACCOUNT IS FRAUDULENT AND DOES NOT BELONG TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is not my account, and it appears on my credit report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nationwide Capital Services, LLC
State: NV

Complaint narrative:
I am submitting this complaint regarding the conduct of Nationwide Capital Services. I received multiple unsolicited and repeated phone calls from individuals representing this company. During these calls, the representatives engaged in harassing behavior and falsely implied affiliation with a legal office, including claiming to be an attorney and threatening prosecution. 

These actions appear to violate several provisions of the Fair Debt Collection Practices Act ( FDCPA ), including : 15 U.S.C. 1692d Prohibiting harassment, oppression, or abuse in connection with the collection of a debt.

15 U.S.C. 1692e ( 3 ) & ( 4 ) Prohibiting false representation of being an attorney or implying legal action that is not intended or can not legally be taken.

15 U.S.C. 1692e ( 5 ) & ( 10 ) Prohibiting the use of false, deceptive, or misleading representations.

15 U.S.C. 1692g ( b ) Requiring debt collectors to provide validation of the debt upon request and cease collection efforts until such validation is provided. 

I clearly stated that the alleged debt does not belong to me and may have been opened fraudulently. I also formally requested written validation of the debt, including the original agreement and supporting documentation. They failed to provide any verification, yet continued with threatening statements.

Based on these interactions, I believe this account is not mine, may be fraudulent, and the companys conduct may violate federal law. I am requesting that the CFPB investigate these practices and take appropriate regulatory action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: MO

Complaint narrative:
I am submitting this formal complaint im reference to XXXX XXXX DBA XXXX XXXX  regarding the ongoing violation of my federally protected rights under the Privacy Act of 1974 ( 5 U.S.C. 552a ). Despite having explicitly opted out of all authorizations, my personal information continues to be collected, used, and reported without my consent. This includes written, verbal, and electronic disclosures. 

These actions constitute a clear breach of my rights under federal law. As a consumer, I demand immediate cessation of unauthorized reporting, collection, or use of my personal information. I also request that all records reflecting unauthorized activity be corrected or removed, and that the responsible parties be held accountable for their violations. 

This complaint is submitted with the expectation that the CFPB will take prompt enforcement action against the entities violating my federally protected privacy rights. 

I expect confirmation of receipt and a timeline for resolution. I am prepared to escalate this matter through all available legal channels should compliance not be achieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: MO

Complaint narrative:
I am submitting this formal complaint im reference to XXXX XXXX XXXX XXXX XXXX regarding the ongoing violation of my federally protected rights under the Privacy Act of 1974 ( 5 U.S.C. 552a ). Despite having explicitly opted out of all authorizations, my personal information continues to be collected, used, and reported without my consent. This includes written, verbal, and electronic disclosures.

These actions constitute a clear breach of my rights under federal law. As a consumer, I demand immediate cessation of unauthorized reporting, collection, or use of my personal information. I also request that all records reflecting unauthorized activity be corrected or removed, and that the responsible parties be held accountable for their violations.

This complaint is submitted with the expectation that the CFPB will take prompt enforcement action against the entities violating my federally protected privacy rights. 

I expect confirmation of receipt and a timeline for resolution. I am prepared to escalate this matter through all available legal channels should compliance not be achieved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Welts, White & Fontaine, P.C.
State: NH

Complaint narrative:
I first received a phone call in late XXXX early XX/XX/XXXX from XXXX XXXX in XXXX, NH. I called them back the same day wondering what theyre calling for because I had an accident in XXXX in which the police took me against my will to the hospital before I could go to jail. The police said I HAD to go to the hospital before jail or they couldnt admit me to jail. Even though no one was seriously injured and the passenger involved in the accident wasnt required to go to the hospital. I signed NO paperwork. I told them I had NO insurance and that I was being held against my will. I also stated I would not be paying for this! Which you verify through the cop cam. They called me XXXX months later while I was at work looking for me to pay this visit! I asked the amount, the lady informed me its {$1500.00}. Which I did not agree to pay. A couple weeks later maybe less than that I receive a bill in the mail on XX/XX/XXXX, which was the first letter out of XXXX. And I was shocked to discover the amount did NOT match what the lady told me on the phone. I wrote them a formal letter which is attached to this complaint. Later on I recieve a letter in the mail stating that I owe XXXX dollars now and stupidly tossed this piece of paper in good faith and mistakenly didnt take a picture of it either. A few weeks later I get another piece of paper in the mail stating I still owe the {$15000.00} and now Im really confused because I received a letter stating I dont owe money now Im getting letters saying I still owe money and I just got a letter XX/XX/XXXX in the mail from a debt collector! Which I now consider harassment. 
The first bill they sent me is too big to attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im at regions bank and my account has been hacked serval times. My money isnt being protected and its taking their time to credit my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: LA

Complaint narrative:
Subject : Formal Complaint : XXXX XXXX Failed to Include Two Loans in Consolidation -- XXXX XXXX XXXX XXXX  Seeking Loan Forgiveness Dear XXXX XXXX XXXX Representative, I am writing to file a formal complaint regarding an error in my federal student loan consolidation that has affected my eligibility for loan forgiveness. I am a XXXX  and a military service member, and I qualify for Public Service Loan Forgiveness and Teacher Loan Forgiveness. However, due to a mistake made by Fedloan Servicing, two of my federal loans were not included in my consolidation, even though my application clearly requested that all eligible loans be consolidated. The consolidation was processed XX/XX/year> at XXXX XXXX., and my account was later transferred to XXXX XXXX When I contacted XXXX, they confirmed that they can see my original consolidation request showing all of my loans, but stated that Fedloan Servicing left two loans out of the consolidation before the transfer. XXXX has informed me that they can not correct this error. They advised me to file this complaint. This omission is preventing those two loans from being counted toward my PSLF qualifying payments and forgiveness progress, despite my continued public service and military service. This is a serious issue that is outside of my control and was caused by an administrative error. I am requesting that the Department of Education review my case, confirm that my original consolidation request includes all eligible loans, and ensure that the two omitted loans are properly consolidated or credited toward my forgiveness programs. I would appreciate written confirmation of your investigation and any action taken to resolve this issue so that my loan forgiveness eligibility is protected. Thank you very much for your time and assistance.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-15 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: OK

Complaint narrative:
I DISPUTE THIS ACCOUNT AS FRAUDULENT AND UNAUTHORIZED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: NV

Complaint narrative:
b'Complainant:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXEmail: XXXXPhone: XXXXAgainst: Consumer Portfolio Services, Inc. (CPS) XXXX XXXX XXXX XXXX XXXX CA XXXXSummary of Complaint\nI am a documented survivor of domestic violence and economic\nabuse, approved under the XXXX XXXX XXXX XXXX XXXX. I hold active protections under XXXX XXXX XXXXguidelines. I am actively reestablishing my life after nearly three\nyears of documented abuse and trauma. CPS has failed to honor\nmy protected status and has obstructed my recovery through\nunfair lending practices, aggressive collection tactics, and refusal\nto grant lawful hardship accommodations.\nTimeline of Attempts\n~ XXXX XXXX Submitted hardship request with XXXXapproval, requesting deferment and restructuring.XXXX XXXX XXXX CPS offered only a due date change\nand split payments, ignoring my full request.\n~ XXXX XXXX XXXX Contacted CPS during a family medical\nemergency. No meaningful responseonly automated\ntextsXXXX XXXX XXXX  Confirmed ability to pay XXXX and\nrequested missed payments be moved to the back of the\nloan. CPS escalated me to Loss Prevention instead of\ngranting relief.\n~ XXXX XXXX CPS continued reporting\nlate payments to credit bureaus, damaging my credit\ndespite hardship documentation.\nViolations\n~ Fair Debt Collection Practices Act (FDCPA, 15 U.S.C.\n 1692): Harassment and failure to negotiate in good\nfaith.\n~ CFPB Bulletin XXXX Warns lenders against unfair\nrepossession and failure to accommodate hardshipXXXX XXXX XXXX XXXX XXXX  Ignored survivor status\nand safety needs.\nXXXX XXXX XXXX XXXX XXXX XXXX): Unfair lending and coercive collection\npractices.\nHarm\n~ Credit Damage: CPS continued negative reporting\ndespite XXXX status.\n~ Emotional & Financial Stress: Automated texts and\nrefusal to engage in lawful restructuring.\n~ Repossession Risk: No freeze granted despite survivor\ndocumentation and active protections.\nRequested Relief\nI respectfully request the CFPB investigate CPS and compel\nthem to:\n1. Suspend negative credit reporting during my hardship\nperiod.\n2. 3. 4. \n5. Provide written confirmation of compliance with federal\nconsumer protection laws.\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV\XXXX

Company response to consumer: Closed with explanation