vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I am writing to file a complaint against Messerli & Kramer for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Over the period of time, Messerli & Kramer repeatedly called my phone number ( which is not associated with the debtor they claim to be trying to reach ). 

I have had this number for approximately one and a half years, and it is not used by the person they are seeking. 

On numerous occasions, I informed the caller that they had the wrong number and that I was not the debtor. 

Despite that, during one call, the representative disclosed the full name ( first and last name ) of the debtor to me a third party and stated that they were attempting to collect a debt. 

That disclosure constitutes a direct violation of FDCPA protections : Under 15 U.S.C. 1692b ( 2 ), debt collectors may not disclose to third parties that the consumer owes any debt. 
Under 15 U.S.C. 1692c ( b ), debt collectors can not communicate debt-related information to persons other than the debtor ( or the debtors attorney ) without explicit permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: FL

Complaint narrative:
What happened : I am disputing an invalid debt that XXXX sent to collections through Professional Credit Service ( Ref # XXXX ). 

The debt stems from an XXXX sale ( Order XXXX XXXXXXXX, Item XXXX XXXXXXXX ) where the buyer, XXXX XXXX XXXX received a full refund from his bank ( XXXX XXXX XXXX on XX/XX/year>, outside of eBays system, but refused to return my property a XXXX XXXX XXXX XXXX XXXXe with XXXX XXXX 

I provided XXXX with complete documentation, including the buyers written refusal, delivery confirmation ( XX/XX/year> ), and refund evidence. XXXX never responded and instead referred the account to Professional Credit Service. 

PCS is now attempting to collect and possibly report this invalid debt, even though I have disputed it and requested validation. No valid debt exists the buyer was made whole by his bank and kept my property. 

I am seeking immediate removal of this debt from all collection and credit reporting activities and confirmation from both XXXX and PCS that this account has been closed. 

Companies involved : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Professional Credit Service P.O. XXXX XXXX, XXXX, OR XXXX What I want : XXXX to recall the debt from Professional Credit Service. 
PCS to stop collection activity and delete any credit reporting. 
Written confirmation that the account has been permanently closed. 
Investigation into XXXX seller dispute and buyer-fraud handling process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Comerica
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX. XX/XX/year>. 4 additional charges to original charge of {$100.00}. additional charges ARE FOR XXXXXXXX XXXX XXXX XXXXXXXX, AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
Dear Experian, I am writing to dispute the following item ( XXXX ) on my credit report that were recently reinserted and are inaccu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was previously deleted and has since been reinserted XXXX required XXXX notice or validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : This credit card account was previously removed after dispute. It has been reinserted and is now reportin charged-off with a past due balance of {$4100.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reaso This card was disputed and deleted before, but has since been reinserted. It reports as 'Paid, Closed ' wh showing {$2800.00} written off, which is inconsistent and inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This open credit card account shows a {$40.00} past due balance despite previously being disputed and corre reinsertion and reporting are inaccurate.

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 2025-10-16 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: GA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EXPERIAN Credit Report. 
My latest credit report shows XXXX credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX  XXXX 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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
My account with citibank was closed in XX/XX/2025 for suspected fraud. I was told after calling citibank that XXXX of my checks i received from my previous employer was marked as fraud. I had the checks verified with my previous employer through citibank after multiple calls. I have already received XXXX of the checks owed ( around {$800.00} ) but am still waiting on the remaining ( around {$1500.00} ) check to be sent. I called citibank today on XXXX XXXX XXXX XXXX XXXX XXXX to ask for an update on the status of my remaining funds as I received the other check within days of calling them. It has been over a week and the other check isn't here and the citibank representatives could not provide any information on the status of the check and could not provide a reference number for the call or an employee ID number. I have not received any written or emailed documentation on this issue for the reason for my account closure or for the status of my remaining funds. 
I have now called citibank over XXXX times with no solution or answers. Today i asked to talk to a supervisor as i was not getting any information and he could not provide any either, no timeline and no status of check or reference and id numbers. He gave me a call back number to call in XXXX hours to check the status. Which is also what I was told when I called on the XXXX of XX/XX/2025. Citibank has stated that they have requested my funds to be released to me on the XXXX with no update on the 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 2025-10-16 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
To Whom It May Concern : This is a request for debt validation and verification. I request that you provide all supporting documentation for the alleged debt referenced above. Do not assume anything ; provide the actual documents.

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide the following information within 30 days of your receipt of this letter : 1. The original creditors name, address, and telephone number. 


XXXX. The original account number and any subsequent account numbers. 


XXXX. The full chain of assignment or sale showing how you obtained the account, including dates and names of all parties. 


XXXX. A copy of the original signed contract or agreement that shows I am legally obligated for this debt, with any alleged signature clearly highlighted. 


XXXX. A full and complete itemized statement showing the original balance, each payment, credits, interest, fees, and how you calculated the current balance. 


XXXX. Copies of any billing statements or notices you claim were mailed to me, with proof of mailing ( postmark or certificate of mailing ). 


XXXX. If you assert that you are an assignee or collection agency, provide documentation showing you are licensed to collect debt in [ State ] and proof of your authority to collect on this account.

8. If you have reported this account to any credit reporting agency, identify which agencies and the dates reported.

9. Any judgment information ( if you claim there is a judgment ) : court name, case number, date of judgment, and a certified copy.

While you gather the requested validation, I request you cease all collection activity related to this account and that you refrain from reporting or continue reporting negative information to credit reporting agencies until you have provided the validation requested. If you can not provide the requested documentation, you must cease collection efforts and correct any credit reporting related to this account. 

This letter is not a refusal to pay, but a request for verification. Please send the requested documentation to the address listed above. I am keeping records of all correspondence. I also request that you communicate only in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Nelnet ( XXXX XXXX XXXX ) for multiple reporting errors across all of my student loan accounts. All of these loans are federal, and they were in deferment during the months when XXXX late payments were reported. 
You can not report a loan as both current / deferred and XXXX days late at the same time this is factually inaccurate and violates FCRA 623 ( a ) ( 1 ) ( A ) and XXXX reporting standards for status coding. 
I was also never notified XXXX or XXXX days prior to any delinquency being reported. The first notice I received was after the late marks had already appeared on my credit reports. Nelnet has not provided any documentation, payment history, or proof of notification to support these reported lates. 
This is a XXXX factual dispute involving inaccurate payment codes, duplicate loan entries, and failure to provide the required borrower notifications before reporting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the accuracy of a XXXX XXXX  bankruptcy appearing on my credit report. 
The entry contains discrepancies and incomplete information, including The entity is reported on Experian and Equifax but not on TransUnion. 
inconsistent reference numbers ( XXXX XXXX XXXX XXXX XXXX vague or incomplete court identification ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and missing financial data ( assets, liabilities, and exempt amounts reported as {$0.00} ). 

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], you are required to ensure the maximum possible accuracy of any item you report.

As such, I am requesting a reinvestigation of this entry in accordance with FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ]. If the listing can not be fully verified, it must be deleted per 611 ( a ) ( 5 ). Furthermore, under 609 ( a ) ( 2 ) [ 15 U.S.C. 1681g ( a ) ( 2 ) ], I request full disclosure of the source of the information used to report this bankruptcy, including : The name and contact information of the person or entity who verified the entry The method of verification ( e.g., XXXX, XXXX, or third-party source ) The documentation relied upon for verification The name and address of the court that allegedly provided the information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
b'This serves as my formal dispute under the Fair Credit Reporting Act (FCRA) demanding\nreinvestigation and correction of multiple accounts that contain inaccurate, incomplete, or\nunverifiable information. Each tradeline below violates the accuracy, completeness, and datasafeguard standards required by FCRA 602(a), 607(b), 611(a)(1)(A), 611(a)(5)(A), and\n623(a), as well as the data-protection requirements of the Gramm-Leach-Bliley Act (GLBA\n502(b)(2)) and Regulation V 1022.43.\n1. XXXX XXXX XXXX XXXX Closed yet coded Negative / Late 90 XXXX without prior 30-/60-day lates \nviolating Metro 2 Fields 17 (Account Status) and 24 (Payment Rating).\n No payment ledger or supporting data for alleged late sequence.\n Violates FCRA 607(b) and 623(a)(1)(A).\n2. XXXX XXXX XXXX XXXX XXXX Closed / Negative though balance XXXX and account paid.\n Late 60 XXXX appears with no 30-day history.\n Violates FCRA 607(b), 623(a)(2), and Reg V 1022.43(b)(2).\n3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX coded Negative / Late 30 XXXX despite Closed / Paid.\n Missing compliance condition code; inconsistent with Zero Balance.\n Violates FCRA 607(b) and Metro 2 Field XXXX XXXX XXXX XXXX XXXX Collection / Charge-off while Paid in full for less than balanceXXXX Conflicting closure and charge-off data FCRA 607(b) violation.XXXX XXXX XXXX XXXX XXXX XXXX Collection / Charge-off though balance XXXX and payment posted XXXX Reporting Medical Subject Not Selected violates FCRA 602(a) and GLBAXXXX502(b)(2)XXXX XXXX XXXX XXXX XXXX XXXX Charge-off / Collection with XXXX balance yet NegativeXXXX No progression of delinquencies prior to charge-off Metro 2 Field 24 violationXXXX XXXX XXXX XXXX XXXX Charge account Closed / Negative though XXXX balance; charge-off with no history.\n Violates FCRA 607(b), 623(a)(2), and Metro 2 Field XXXX XXXX XXXX XXXX XXXX XXXX debt coded Collection / Charge-off but marked Paid collection.XXXX Dual status inaccurate FCRA 607(bXXXX XXXX XXXX XXXX XXXX Collection / Charge-off with XXXX balance and paid comment; still marked NegativeXXXX Violates FCRA 623(a)(1)(A)XXXX XXXX XXXX XXXX XXXX Charge-off XXXX while Closed / Paid and XXXX balance.XXXX Inconsistent closure and charge-off codes FCRA 607(bXXXX XXXX XXXX XXXX XXXX Collection / Charge-off after paymenXXXX XXXX no verification of charge-off dateXXXX Violates FCRA 607(b) and Reg V 1022.43.\n12. Unauthorized InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese appear without permissible purpose FCRA 604(a) and 607(b) violations.'

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 2025-10-16 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I tried to fix my debt, I paid all my debt on my credit report besides XXXX XXXX XXXX XXXX XXXXhat has sent it to Messerli & Kramer XXXX XXXX XXXX I contacted Messerli & Kramer and attempted to settle the debt prior to judgement. They aggressively seeked judgement and did not make good faith attempt to properly summon me. Every other creditor was able to contact me and mail me things appropriately but they mailed it to the wrong address. I then could not defend myself and they have a judgement on me and are trying to freeze my accounts. I did file a motion to vacate but they are using immoral tactics. Also the original credit amount is {$550.00}, they are seeking {$1000.00} at this point. They tried to get {$900.00} prior to the judgement which has an inappropriate amount of interest and fees compared to original debt amount. Also they decided to not work with a debtor who was willing to pay, this is unneccessary litigation. I would also add I was exeperiencing extreme hardship which I did express to them, I am on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They were made aware of this when I explained my reasoning for needing a payment plan.

Company response to consumer: Closed with explanation