vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2018, Balance : {$00.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: LA

Complaint narrative:
This is a formal dispute of multiple inaccuracies on my credit report. These entries are incorrect, unauthorized, and have materially harmed my credit score and financial standing. I previously contacted your agency and was assured these inquiries would be removed ; they remain. This failure to act is unacceptable.

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 2025-09-24 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
The family educational rights and privacy act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel discharge my student loan debt in full.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-24 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$00.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Municipal Collections of America Inc.
State: IA

Complaint narrative:
I am filing a complaint against Municipal Collections of America for repeated and harassing phone calls regarding a debt. They have contacted me multiple times, and more concerningly, they have also contacted my brother and other family members about this debt. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from discussing debts with third parties. 
The calls have caused distress and confusion among my family members. I have not authorized them to contact anyone other than myself. I request that the CFPB investigate this matter and ensure that Municipal Collections of America ceases all third-party contact and complies with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frost-Arnett Company
State: RI

Complaint narrative:
Frost-Arnett Debit collector keeps calling and harassing me using threatening tone about an insurance billing issue on behalf of XXXX XXXX XXXX 

In XXXXXXXX XXXX XXXX I went to an XXXX XXXX which is covered by XXXX XXXX XXXX XXXX. My employer filed my birthdate as XXXX which is incorrect when I was registered for the insurance. That birth date was fixed to XXXX system but still seems to have an issue. I've contacted XXXX XXXX XXXX XXXX who's representative told me if the billing is not going through under the XXXX birth date for the provider to bill it under the incorrect XXXX birth date used as there is an error in the system. That's is the remedy for provider to get payed. I have had other claims billed successfully by other providers with out an issue when changed to XXXX. 

I instructed XXXX XXXX to do as I was told by the representative from XXXX XXXX XXXX XXXX. They refused to do so and when I asked to talk to a supervisor the XXXX XXXX Representative refused.. 

Since XXXX XXXX has referred the Debt to Frost-Arnett who has been highly unprofessional and aggressive. I explained the circumstances and they become aggravated and aggressive. 

I asked them not to contact me anymore but continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: MD

Complaint narrative:
I am submitting this formal complaint regarding the following collection account being reported on my credit report : Collection Agency : TEK-COLLECT Original Creditor : XXXX Account Number ( partial ) : XXXX Status : Collection account, Balance {$1100.00} I have disputed this account multiple times with the credit reporting agencies. Each time, it has been marked as verified, but no validation of the debt has ever been provided to me. To date, I have not received : A copy of the original signed agreement or contract with XXXX An itemized statement showing how the balance was calculated Any documentation proving that I am legally obligated to pay this debt Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ), a debt collector must cease collection activity, including credit reporting, until proper validation is provided. Continuing to report this account without validation is a violation of federal law. 

Additionally, under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681e ( b ) & 1681i ), credit reporting agencies and furnishers must ensure maximum possible accuracy of information and conduct a reasonable investigation when a consumer disputes. Simply verifying an account without supplying proof of liability does not satisfy this requirement. 

I request that the CFPB investigate this matter and require TEK-COLLECT and the credit reporting agencies to either : 1. Provide full validation of this account, including original signed documentation, or 2. Permanently delete this account from my credit report if validation can not be produced.

This inaccurate reporting has caused me harm, and I am requesting immediate corrective action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am trying to buy and renovate my family home and tried to apply for a loan and my scores were too low. Upon reviewing my credit reports, I found accounts that were inaccurate and unknown. Previously, I have been notified by Equifax, Experian and XXXX that I am part of a data breach that has occurred in their systems. 


* * Midland Credit Management Accounts XXXX & XXXX These are listed as collections, but no validation of debt has ever been provided to me. Reporting without proof violates FDCPA 809 ( b ).

Dates of first delinquency and balances appear inconsistent, violating FCRA 623 ( a ) ( 1 ) ( A ) ( duty to report accurately ). 

* * XXXX XXXX XXXX Accounts XXXX XXXXXXXX, XXXX, XXXX These show as debt buyer accounts, but I have never received required notices of assignment or validation. 
Multiple small balances ( {$91.00}, {$160.00}, {$780.00} ) appear duplicated, which is misleading and materially inaccurate under FCRA 607 ( b ). 

* XXXX XXXX XXXX Account XXXX Listed as a collection with no evidence of contractual obligation. 
Failure to provide validation violates FDCPA 809 ( b ). 

* XXXX XXXX Bank Account XXXX Shows as charged off and XXXX, yet balance continues to report monthly. This is inaccurate double-reporting under FCRA 623 ( a ). 

* XXXX XXXX XXXX Account XXXX I am reported as an Authorized User, yet derogatory data ( charge-off ) is being reported against me. As an XXXX, I am not legally responsible. Reporting this negatively impacts my credit and is inaccurate under FCRA 605 ( b ). 

* XXXX XXXX Account XXXX Listed as over XXXX  days late with balance {$6800.00}, but no signed rental agreement exists in my records. This appears fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
My wife was manipulated by someone claiming to be from CashApp. They had information about her account and manipulated her into sending XXXX. There was no warning popup nor prevention to stop this EVEN though it says on their website that it should. 
https : XXXX They refuse to refund the money, stop the transaction nor escalate this case to any authorities and claim no responsibility for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I am filing a complaint regarding an unauthorized XXXX account that is being wrongfully reported on my credit file. 
On XX/XX/2025, I applied for the XXXX XXXX XXXX. After processing, I was informed that I did not qualify for the Plus Card and was instead offered the XXXX XXXX XXXX XXXX. The website clearly displayed the new terms and conditions and provided the option to accept or decline. I selected Decline, with the full expectation that no account would be opened. 
Despite my explicit rejection, XXXX created the account and issued a {$59.00} bill. Although the fee was eventually waived, the account itself should never have existed. I have spoken with XXXX different managers at XXXX, each of whom assured me that the account would be closed and removed from my credit file. 
As of XX/XX/2025, this account is still being reported to the credit bureaus. This false reporting has already caused problems with my credit applications and constitutes ongoing harm to me as a consumer. 

I have attached supporting documentation, including proof that I declined the alternative card offer. 
This issue has persisted for nearly XXXX months despite repeated assurances from XXXX managers that it would be resolved. This is my final attempt to resolve the matter before pursuing legal 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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This account is mine please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
After reviewing my credit report I noticed my score had dropped XXXX points. I checked my credit report and I noticed an fraudulent account on my report.

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 2025-09-24 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
While checking my credit report I noticed a couple unfamiliar accounts, that I have no acknowledgement of, nor authorized. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
While checking my credit report I noticed a couple unfamiliar accounts, that I have no acknowledgement of, nor authorized. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fig Tech Inc.
State: TX

Complaint narrative:
I am filing a complaint against Fig Loans XXXX regarding unfair and unlawful debt collection and credit reporting practices. Fig Loans LLC is attempting to collect on a debt that I dispute and that has not been properly validated. Despite my request for validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), they have failed to provide the required documentation such as the original contract, complete account history, or proof that they have the legal right to collect this debt. In addition, Fig Loans LLC is continuing to report this alleged debt to the credit reporting agencies without proper validation, which is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ). Reporting inaccurate or unverified information damages my credit and constitutes unlawful collection activity. Their actions are : Failing to provide adequate validation of the alleged debt. XXXX collection activity while the debt is in dispute. Reporting inaccurate or unverifiable information to the credit bureaus. Causing harm to my credit standing and financial well-being. I am requesting that Fig Loans LLC : 1. Provide full validation of the alleged debt, including the original signed agreement, complete account history, and proof of assignment/ownership. 2. Immediately cease reporting unverifiable or inaccurate information to the credit bureaus. 3. Remove any negative credit reporting related to this disputed account until proper validation is provided. The alleged amount owed is {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
This account was never late. FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) furnishing information known or that should be known to be inaccurate/misleading ; XXXX XXXX breached : XXXX Payment History Profile ( PHP ) requires proper delinquency aging ; a XXXX delinquency in month XXXX must be preceded by a XXXX delinquency in month XXXX ( unless the prior month already reflected a higher past-due status ). The shown sequence contradicts that rule and invalidates the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
1. I logged into my Experian acct where it showed my dispute was resolved ; but would not allow me to see results stating I had to call.

2. Experian also made a comment on my acct that I have a {$1800.00} balance with XXXX and this can negatively impact my XXXX XXXX. 
I called and after XXXX mins of AI messing me around and not allowing me to talk to an agent I finally said the right thing and got through to a rude/ignorant female rep. This agent would NOT give me any results instead kept telling me to contact XXXX about my score. I explained XXXX has nothing to do with my score and she said I didnt know what I was talking about and Experian has NOTHING to do with credit scores!!! When I asked why Experian was threatening to decrease my score due to a balance that was not delinquent, she again said it was XXXX that reported it. I told her that credit card companies report every month it doesnt mean XXXX over due or late or delinquent? I have to have a balance at some point as I charge on it? It makes no sense. I pay my card off in XXXX every single month and Experian has no regulation and does as they please whether due to policy or untrained staff. I received no answer from Experian as why this statement was there and no response when I asked for my dispute results just a rude comment of you know everything so why call? Experian is making the checks and balance process so difficult ( on purpose ) for people that they give up trying to fight for their rights. They need to be held accountable. The fact their is no easy way for consumers to contact them also needs to change.

Company response to consumer: Closed with explanation