vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: FL

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

1681c2 ) that you, the Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2025-09-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnDear Credit Representative,\nI am disputing the account stated above previously, I disputed this account information\nas being inaccurate, and you responded by stating you were able to verify these items.\nBut how is that possible? Under the laws of the FDCPA, I have contacted the creditor\nmyself, and they have failed to properly verify (*pursuant to FDCPA\nstandard/guidelines) that this is indeed accurate.\n\nAccounts in DisputeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX enclose copies of my requests to the CFPB and the Creditor asking the creditor to\nvalidate these items. I was given no validation/verification in accordance with the outline of the FDCPA of my obligation and/or responsibility of these disputed items.\n\nThe Fair Credit Reporting Act requires you to verify the validity of this within 30 days. If\nthe validity cannot be verified, you are obligated by law to remove it from my credit file. \n\nI urge you to remove these items before I am forced to take Legal Action.\nIn the event you cannot verify these items pursuant to FCRA and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area.\n\nSincerely,\nMichel Johnson'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: SC

Complaint narrative:
I was originally seen XX/XX/year> in the emergency room and was sent a bill for {$1100.00} with no breakdown of charges. Upon receiving the bill, I called the hospital automated line for billing and asked for an itemized bill. Nothing was sent. I received another bill, showing only the total amount. I again called and asked for an itemized bill to explain the total charges. Again, nothing was sent. I again, received a bill, showing only the amount due, I again reached out to request an itemized bill and spoke to someone who said it would be sent. It never was. This went on for a year. Nothing to ever show a breakdown of what was owed or services rendered. The next thing I know, my bill has been sold to a debt agency and is now on my credit report. I only wanted more information to make sure I was correctly charged for services rendered. I paid the Doctor bill immediately. I had no intention of not paying. I only needed more information. That was it. I didnt even bring up the multiple OSHA violations that happened while I was in the office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Nelnet, Inc.
State: KS

Complaint narrative:
Complaint Summary : NelNet Bank failed to properly re-amortize my fixed-rate consumer loan after multiple disbursements. 

Details : I signed a fixed-rate loan agreement on XX/XX/XXXX, with an XXXX  of XXXX XXXX and a XXXX repayment schedule. 

The agreement ( Section XXXX, Timing and Application of Payments ) requires NelNet to issue updated disclosures and adjust scheduled payments to reflect the final XXXX XXXX and XXXX XXXX due when additional disbursements occur. 

Despite additional funds being disbursed, NelNet continued to draft only ~ XXXX XXXX through XXXX XXXX, an amount based solely on the initial disbursement. 

This amount was insufficient to cover monthly interest ( ~ XXXX XXXX ), causing negative amortization and an inflated loan balance. 

NelNet did not re-amortize until XX/XX/XXXX, more than a year after additional disbursements, by which time the balance had grown improperly. 

Harm to Consumer : XXXX failure to re-amortize in a timely manner resulted in excessive interest charges and an inflated balance compared to what the contract required. 

NelNet has since refused to correct the balance and instead suggested I refinance or consolidate with a third-party lender a solution that would impose further unnecessary fees and shift the cost of their servicing error onto me. 

Requested Resolution : Correct the loan balance to what it would have been had NelNet re-amortized promptly when additional disbursements were made. 

Remove all interest improperly charged from origination through the delayed re-amortization. 

Ensure Auto Debit reflects the proper amortized payment going forward. 

Supporting Documentation : I can provide the signed Loan Agreement showing the fixed-rate amortization schedule and Section XXXX language requiring prompt adjustment of payments. 

I can also provide NelNets written admissions that payments were based only on the initial disbursement and that re-amortization was delayed until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
Affirm keeps calling me to make payments I am not working at the moment. I dont care if it goes to collections I will pay it when I have a job and money. They are taking out money from my bank account without my authorization nor have I made payments arrangments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NC

Complaint narrative:
This is a formal demand for an immediate re-investigation and correction of inaccurate information on my credit report. These entries are incorrect, they have harmed my credit, and prior assurances that they would be removed have not been fulfilled.

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 2025-09-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My information is being released into the data breach constantly and idk how, I have inaccurate, unverifiable and unauthorized information on my full credit report, this Is taking a toll on MY financial progress, I am a victim of identity theft..

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Someone from XXXX and XXXX continues to try and reach me regarding a XXXX  personal property tax. I do not live in XXXX  and havent since XXXX. I have no property to be taxed. I am an XXXX XXXX XXXX XXXX stationed in XXXX XXXX, CA. And am protected under XXXX XXXX. XXXX XXXX. I would appreciate these attempts to reach me over a debt I do not owe to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
This debt was paid. I sent money order in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MO

Complaint narrative:
Dear [ Name of credit reporting company : Equifax or Experian or XXXX  ], XXXX  XXXX {$400.00} Charged Off account type collection .. acct # XXXX Status updated XX/XX/XXXX, XXXX Disputing error [ s ] on credit report, Im the victim of identity theft and I dont recognize one or more of the accounts on my report. Under the FCRA Laws my medical personal information ( HIPPA ) stolen from XXXX XXXX XXXX XXXX. XX/XX/year> : A breach exposed patient data after an outsider gained unauthorized access to some XXXX physician emails. I'm am asking the it to be deleted from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This correspondence is to formally dispute the inclusion of a fraudulent account in my credit report. I have never authorized this account and have no connection to it whatsoever. Its presence is incorrect and unjustly harming my financial credibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-26 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: NC

Complaint narrative:
This is a formal demand for an immediate re-investigation and correction of inaccurate information on my credit report. These entries are incorrect, they have harmed my credit, and prior assurances that they would be removed have not been fulfilled.

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 2025-09-26 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-09-26 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: LA

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

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 2025-09-26 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: FL

Complaint narrative:
I discovered multiple unauthorized inquiries on my credit report. My FTC Identity Theft Report ( No. XXXX ) documents these as fraudulent. Specifically : XXXX XXXX XXXX ( XX/XX/year> ), Equifax Mortgage Services ( XX/XX/year> ), and XXXX XXXX XXXX ( XX/XX/year> and XX/XX/year> ). I never applied with these companies and did not give permission for them to access my credit report. These inquiries violate FCRA 604, which prohibits furnishing reports without my written consent or a permissible purpose. I am requesting immediate deletion of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
I discovered multiple unauthorized inquiries on my credit report. My FTC Identity Theft Report ( No. XXXX ) documents these as fraudulent. Specifically : XXXX XXXX XXXX ( XX/XX/year> ), XXXX XXXX XXXXXXXX ( XX/XX/year> ), and CCF Intermediate Holdings ( XX/XX/year> and XX/XX/year> ). I never applied with these companies and did not give permission for them to access my credit report. These inquiries violate FCRA 604, which prohibits furnishing reports without my written consent or a permissible purpose. I am requesting immediate deletion of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
b'On XXXX XXXX XXXX XXXX XXXX with citi bank they just closed my account and not tell me my account is closed'

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 2025-09-26 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: VA

Complaint narrative:
This account is the result of identity theft. I did not open this account, authorize its use, or receive any goods or services from it. It is fraudulent and does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
I am filing this complaint against Experian and XXXX  for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), regarding identity theft information blocking.

I am a documented victim of identity theft and submitted a formal legal demand under FCRA 605B, providing the required documentation to have fraudulent accounts blocked and permanently removed from my credit files. Despite this, Experian and XXXX  have continued to report the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 605B, the credit reporting agencies are legally required to block this information within four ( 4 ) business days upon receiving proper documentation. Experian and XXXX  have failed to meet this obligation. 

Violations : Failure to block and remove fraudulent accounts as required by FCRA 605B.

Continued reporting of identity theft-related accounts in violation of 15 U.S.C. 1681c-2.

Noncompliance with consumer protection rights, which constitutes willful or negligent violations under 15 U.S.C. 1681n and 1681o.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Upon reviewing my credit report. I notice a late payment listed on that I believe is inaccurate. I have maintained on time payment and do not have documentation showing that this payment was legitimately XXXX  days late. 

I am requesting a full investigation and verification of this late payments. If the creditor is unable to provide sufficient evidence I am asking that the record you updated to reflect accurate reporting

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 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: TX

Complaint narrative:
They tried to compound interest on an already excaslated account do to an unforeseen hardship for me and my former partner for medical.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
My account was sent to collections agency without my knowledge. When I reached out to the original loan company they sold my account to another company. I would like to get this settled because its holding me back from getting other things. Ive tried plenty of times to dispute the problem due to the amount that was due and the switching my debt to a third party account without me knowing

Company response to consumer: Closed with explanation