vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: Nelnet, Inc.
State: TX

Complaint narrative:
Requested proof several times, with no response or documents sent with actual signature etc. These accounts listed below DEPT OF EDUCATION/NELN XXXX {$8400.00} SLOAN/NELNET SERVICE XXXX {$4000.00} SLOAN/NELNET SERVICE XXXX {$2600.00} SLOAN/NELNET XXXX {$4000.00} SLOAN/NELNET XXXX {$2600.00} XXXX XXXX XXXX XXXX {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, XXXX, XXXX ) filed on XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: GREENSKY OPERATIONS, LLC
State: ID

Complaint narrative:
In XXXX I hired XXXX to redo a kitchen for XXXX. I had the money to pay cash but the XXXX rep convinced me to borrow interest free for one year from Greensky and keep earning my 5.5 percent interest until then. The loan was to be repaid interest free from the date of the first purchase, which I believe was XX/XX/XXXX. The kitchen was not redone until XX/XX/XXXX. I have borrowed from this company before and paid back before interest acrued and planned to do the same. Unfortunately it slipped my mind and I did not pay until XX/XX/XXXX. They posted that payment on XX/XX/XXXX and charged the full years interest of XXXX. I tried to negotiate the interest via the companies chat box. They declined and I asked to talk to a manager. They gave me a phone number and explained that I should hold down the one to talk to a human. The number is automated and that did not work. I am willing to partial pay the interest, but I feel the whole amount is punitive. I have mad a payment of XXXX this month towards the interest and I feel that is enough for a few late days. They were never clear about the day of payment, but they manage to text when I was late. I know they set me up for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
I am writing to formally dispute and request the immediate removal of fraudulent accounts currently being reported on my credit file. These accounts are the result of identity theft, and I have never authorized or opened them. 

Additionally, I am a verified victim of multiple data breaches, including the XXXX Equifax data breach & XXXX XXXX  Data Breach which exposed sensitive personal information that may have contributed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-18 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: NJ

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-18 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:
I am submitting this complaint because my credit report contains numerous collection accounts, tradelines, and an excessive volume of auto-related and consumer finance inquiries associated with entities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many dealership-related furnishers, which together appear inaccurate, inconsistent, duplicative, or reported without proper verification. The presence of multiple collection balances alongside repeated inquiry activity reported across overlapping dates has materially misrepresented my credit profile and raises serious concerns regarding compliance with the Fair Credit Reporting Act, including the requirements under 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 604 to ensure maximum possible accuracy and permissible purpose prior to reporting. The sheer volume and frequency of these inquiries, combined with unresolved collection reporting, has caused substantial confusion, unnecessary credit damage, and financial hardship, particularly where the information can not be reasonably verified or distinguished as accurate and authorized. As a consumer, I am entitled to a credit report that reflects only information that is complete, accurate, verifiable, and lawfully reported, yet these items continue to remain despite prior efforts to address inaccuracies. I am submitting this CFPB complaint to formally document these concerns and to ensure that my rights under federal law are acknowledged and enforced so the accuracy, fairness, and integrity of my credit file can be restored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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:
I am submitting this complaint because my credit report contains numerous collection accounts, tradelines, and an excessive volume of auto-related and consumer finance inquiries associated with entities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many dealership-related furnishers, which together appear inaccurate, inconsistent, duplicative, or reported without proper verification. The presence of multiple collection balances alongside repeated inquiry activity reported across overlapping dates has materially misrepresented my credit profile and raises serious concerns regarding compliance with the Fair Credit Reporting Act, including the requirements under 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 604 to ensure maximum possible accuracy and permissible purpose prior to reporting. The sheer volume and frequency of these inquiries, combined with unresolved collection reporting, has caused substantial confusion, unnecessary credit damage, and financial hardship, particularly where the information can not be reasonably verified or distinguished as accurate and authorized. As a consumer, I am entitled to a credit report that reflects only information that is complete, accurate, verifiable, and lawfully reported, yet these items continue to remain despite prior efforts to address inaccuracies. I am submitting this CFPB complaint to formally document these concerns and to ensure that my rights under federal law are acknowledged and enforced so the accuracy, fairness, and integrity of my credit file can be restored.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report, it is clear that the inaccurate information being reported is causing me significant stress and hardship. The volume of errors on my report is overwhelming, and it is deeply frustrating to have my financial stability affected by information that is not correct. As a consumer, I am entitled to fair and accurate reporting. It is unacceptable that I am forced to deal with the consequences of inaccurate data that continues to lower my credit score and limit my financial options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Complaint Statement XXXX XXXX XXXX XXXX My name is XXXX XXXX. I am submitting this complaint regarding inaccurate and disputed debt reporting related to XXXX and a third-party collection agency, XXXX XXXX XXXX 

XXXX reported a bill on my credit report that I believed to be inaccurate. In response, I sent XXXX a certified letter disputing the debt and requesting validation. XXXX never responded to my certified dispute letter. 

Despite my dispute and lack of response, the account was later sent to collections. I then received a collection notice from XXXX XXXX, which claims that I owe {$900.00}. However, XXXX states that the amount owed is {$760.00}, which directly contradicts the amount XXXX XXXX is attempting to collect. I sent all credit bureaus dispute letter came back verified no proof, This discrepancy raises serious concerns about the accuracy of the debt. Additionally : XXXX failed to respond to my certified dispute letter. 

The debt was transferred to collections without proper validation. 

The collection agency is reporting a higher balance than the original creditor. 

I have not received proper verification of the debt from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
The account was cleared in full, but late payment entries remain on the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
Dear Equifax This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( # XXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report XXXX XXXX Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report XXXX XXXX XXXX XXXX Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report XXXX XXXX XXXX  Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Wells Fargo restricted and/or closed my account due to suspected fraudulent activity. I was not provided with a clear explanation, specific details, or documentation describing the alleged fraud or how the determination was made. As a result, my access to banking services was limited and caused financial disruption. I did not knowingly engage in any fraudulent activity. Because I believe the issue resulted from identity theft or unauthorized use of my information, I filed an identity theft report with the Federal Trade Commission ( FTC ).

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am requesting the permanent deletion of this 2024 collection account. This debt originated from room damage charges at a XXXX apartment where I was an intern. 

While an email was sent, a formal final physical statement of charges was never delivered to my forwarding address, causing a breakdown in the notice process. As soon as I discovered the balance on my credit report, I paid it in full immediately ( Settled on XX/XX/year> ). 

With string income and minimal debt, this student-era oversight is an anomaly. I request a deletion so my report accurately reflects my current financial reliability and not a mailing failure from a temporary internship move.

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 2025-12-18 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 dispute and request the immediate removal of fraudulent accounts currently being reported on my credit file. These accounts are the result of identity theft, and I have never authorized or opened them. 

Additionally, I am a verified victim of multiple data breaches, including the XXXX Equifax data breach & XXXX Transunion Data Breach which exposed sensitive personal information that may have contributed.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Consumer Complaint to the CFPB Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Company : Caine & Weiner Company Original Creditor : XXXX Alleged Balance : {$180.00} Complaint Summary I am filing this complaint because Caine & Weiner Company failed to respond to my written dispute sent by mail, and the credit bureaus later marked the account as verified without providing any supporting documentation. I am requesting removal of this account due to lack of verification and failure to comply with federal law. 

Detailed Statement On XX/XX/year>, I sent Caine & Weiner Company a written dispute requesting verification of an alleged collection account they are reporting related to Progressive in the amount of {$180.00}. The company never responded to my dispute and did not provide any validation or documentation. 

After receiving no response from the company, I disputed the account directly with the credit reporting agencies. In response, the credit bureaus sent me automated notices stating that the account was verified. These responses included no documents, no explanation of investigative steps, and no proof showing how the account was verified. 

To date : The collection agency has never validated the debt No documentation has been produced showing I owe this account The credit bureaus relied solely on a furnishers electronic verification The account continues to appear on my credit reports despite being unverified Violations and Legal Concerns I believe the following violations may have occurred : FDCPA 1692g ( b ) Failure to provide validation and cease collection after a written dispute FDCPA 1692e Misrepresentation of the debt by continuing to report it without proof FCRA 1681s-2 ( b ) Failure to conduct a reasonable investigation and correct or delete unverifiable information FCRA 1681i ( a ) ( 5 ) Information that can not be verified must be deleted A generic verified response without documentation does not meet the standard of a reasonable investigation under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Data Mortgage Inc.
State: TX

Complaint narrative:
We were given a total for XXXX monthly mortgage. When we went to pay it was almost {$400.00} more. When we first called they told us that a letter is supposed to get sent out before a price increase, and waived the price and fee. Then when I got an email regarding late payment we called back for them to tell us it is their fault. They will be sending a letter for price increase but we still owe the new price.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA

Complaint narrative:
I have been a victim of identity fraud. Someone has used my information to accrue debt and collections without my authorization.

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