vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the of the charged-off account listed on my credit report. the account details are as follows : Creditor Names XXXX XXXX XXXX Open Date : XX/XX/year> Amount : {$1500.00} I am requesting a thorough investigation into this account. I believe this information may be inaccurate, outdated, or unverifiable and I am exercising my rights under Fair Credit Reporting Act ( FCRA ) to request that it be removed. 

Thank You for your attention in this matter. 

Sincerely, 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
Consumer complaint received 2025-07-15 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Silverman Theologou, LLP
State: PA

Complaint narrative:
On XX/XX/XXXX, a court hearing was held in the state of Pa at XXXX where this company failed to attend in which the judge dismissed the judgment by default. This company claimed to have been retained by XXXX XXXX XXXX XXXX as of XX/XX/XXXX to collect an alleged {$8600.00}. However, failed to send me the power of attorney and or attach such proof to the lawsuit. 

They claim they sent a Model Validation Notice on XX/XX/XXXX, XXXX in which I allegedly disputed the debt on XX/XX/XXXX. ( This never occurred, I never received any documentation from this company prior to the lawsuit file in magisterial district court ). They claim they responded on XX/XX/XXXX with a certified letter, which I didnt claim, and it was returned unclaimed on XX/XX/XXXX. Nonetheless, they asserted that they tried to resolve the matter but got no reply, so they filed suit on XX/XX/XXXX in which on XX/XX/XXXX the case was dismissed by default of the plaintiff. 

This company response raise severe concern for the following reasons : 1. Certified Mail Guaranteed Delivery They admit that I ( XXXX XXXX XXXX ) never received the verification of debt. 

Under 15 U.S.C. 1692g ( FDCPA ), they are required to provide validation of the debt upon request.

If I never actually received the debt verification, their obligation remained unfulfilled they can not rely on we mailed it alone. 

Courts have ruled in similar cases that sending alone doesnt equal compliance if the consumer never received the verification. I was deprived of a meaningful opportunity to dispute. 

2. They Ignore the hearing date in which they filed a lawsuit against me for a judgment in the amount of {$8600.00}.

3. No Proof Attached of the Actual Debt to their response to the CFPB. This company did not include any documentation of the debt itself such as : A signed promissory note Account statements Chain of assignment Power of attorney from XXXX XXXX Which raises serious doubt about whether they have legal standing or actual authority to sue, which is a valid FDCPA and procedural defense.

4. In addition they blame me for not claiming " Certified Mail '' I'm not legally required to claim certified mail. Debt collectors can not avoid responsibility by hiding behind failed certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Dear MIDLAND CREDIT MANAGEMENT, I, XXXX XXXX, a consumer, am notifying you that I dispute the alleged debt. I do not acknowledge this debt and request that you provide proper validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTH OF THE STATEMENT OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND ME NOTORIZED.

Please provide the following : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A copy of the original signed agreement or other documentation proving that I am legally obligated to pay ; 4. A full account history showing how the alleged debt was calculated.

5. Evidence that you are legally authorized to collect this debt in my state.

6. Any judgment, if applicable.

Until this information is provided, I request that all collection activities cease, including reporting to credit bureaus. If you have reported this debt to any credit reporting agency, please inform them that the debt is in dispute.

Please respond in writing. If you do not provide verification within 30 days, or if you continue collection activities without providing the required documentation, you will be in violation of federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX LA XXXX CA XXXX ACCOUNTS XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
" Formal dispute under FCRA XXXX and XXXX XXXX Compliance. The creditor listed is reporting a charged-off tradeline but may not have legal ownership of the account. There is no proof of assignment or continued standing to report. I request full investigation into the data source, furnishers ' credentials, XXXX, and ownership chain. The current status misrepresents the legal owner and violates FCRA 623 ( a ) ( 1 ) ( A ), Metro 2 Segment Base reporting, and UCC 9-210. Please delete or block this inaccurate tradeline per 15 U.S.C. 1681i. ''

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A collection is being reported on my credit accounts and needs to be removed. This is a major FCRA violation code 15 USC CODE 16815-2 & 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NC

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 : CREDIT XXXX BANK NA - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} CAPITAL XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX FCU - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} CAPITAL XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} AFFIRM XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$45.00} XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} AFFIRM XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$96.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} INQUIRIES : XXXX XXXX Date : 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 2025-07-15 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 : INQUIRIES : XXXX  Date : XX/XX/year>

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 2025-07-15 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: AZ

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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Had several fraudulent activities on my account, I called Wells Fargo the moment I found the errors, had my husband 's debit card and credit card froze. Wells Fargo closed my bank account too. I asked them to refund the fraud charges, they declined, saying all the charges were not fraudulent. I have never used my account the way it was used by the thieves. There is no prior purchase history like what happened during the period of XX/XX/XXXX XXXX but Wells Fargo wont give my money back. I have been a Wells Fargo customer for over 30 yrs, and this is now a problem. 
Wells Fargo allowed these thieves to open another credit card up with our name, allowed them to pay for XXXX dash in another state, let them set up XXXX pay on their phone to order at XXXX, XXXX sites, Door dash, constant similar charges. And not one employee thought this was unusual banking in such a short time frame.

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 2025-07-15 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: NY

Complaint narrative:
I spoke with a representative XXXXXX/XX/XXXX and a XXXX time a few months ago. I requested to be removed from the SAVE XXXX loan repayment plan and they refuse, then I complete a new Income-Drive Repayment plan the XXXX and they recalculate my estimate amount then the day of payment MOHELA puts me back into administrative forbearance despite my ongoing efforts to remain in good standing and make payments under an Income-Driven Repayment ( IDR ) plan. They even lied once and stated I couldn't get out of the SAVE program because of the courts. 
In XX/XX/XXXX, I was sent a monthly payment amount of {$800.00} and will begin in XX/XX/XXXX, However the date of payment, I was placed into forebearance. 
They did it by sending another payment amount due XX/XX/XXXX in the amount of {$870.00} and the same day XX/XX/XXXX they placed back into forebearance. I did make the payment but they didn't qualify it even though I made it the day before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I reached out for results and they are not cancelling my pmi and I disagree with assessment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b.

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
AFFIRM INC Account # XXXX  I have never had an account with this company, I have never signed anything with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: TX

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 NamXXXX 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 XXXXXXXX XX/XX/XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: CA

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

1681c-2 ) that you, the Experian XXXX XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 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