vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
In XXXX I had ordered a phone and phone plane with XXXX  I got a notification when the phone was delivered but I never got the package and was not home when I received it. Not sure if it was sent to the wrong address or possibly taken off my porch. So I immediately contacted XXXX by phone and they were no help so I went into the store they were no help. I called customer service back and explained I never got the phone it was never activated witch they should be able to tell if I'm using there service or not and they assured me they would cancel my plan and I wouldn't be charged for anything. Now its XXXX I pull my credit report and there is a {$330.00} debt I owe to XXXX. I have never used XXXX phone service or there phone I had XXXX XXXX I tried calling XXXX again and explaining to them I'm not paying for something I've never had and this was suppose to be taken off. Just like in XXXX they didn't know what to do could not find a account for me so they gave me this number to call XXXX and they can not help me either. I need this taken off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: IN

Complaint narrative:
I recently discovered that a fraudulent account was opened in my name without my knowledge or consent. I did not authorize this account, make any charges, or apply for credit with this company. I believe my personal information was used without my permission. I am requesting that this account be removed from my credit report and that all associated inquiries be blocked. I have never done business with this company and have no relationship with them. This is a case of identity theft. 
15 U.S.C. 1681i : You are required to investigate any disputed information and remove inaccurate or unverifiable accounts within 30 days.

15 U.S.C. 1681s-2 ( b ) : The furnisher ( debt collector/creditor ) must verify the debt or have it deleted.

15 U.S.C. 1681e ( b ) : You must ensure the maximum possible accuracy of information on consumer reports.

15 U.S.C. 1681c-2 : If this debt is the result of fraud or identity theft, you must block its reporting.

15 U.S.C. 1692g : The debt collector must provide proper validation of the debt if requested.

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 2025-09-28 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: IL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) XXXX regarding fraudulent and unauthorized accounts that remain on my credit reports despite my prior disputes. These accounts are the result of identity theft and do not belong to me. I have submitted disputes and provided the necessary information to the credit bureaus, yet they have failed to remove these items as required by law. 

The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX clearly states that consumer reporting agencies must block identity theftrelated information from a consumers file within XXXX business days of receiving the proper documentation. The continued reporting of these fraudulent accounts is a direct violation of this requirement. Furthermore, these items have been reinserted on my report after previous disputes, without proper verification or notification, which is also a violation of FCRA provisions regarding reinsertion of information. 

The presence of these inaccurate accounts is causing me financial and personal harm. I am requesting that the CFPB take immediate action to ensure that the credit reporting agencies permanently remove the disputed fraudulent items from my credit reports, prevent unlawful reinsertion, and comply fully with their obligations under FCRA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: IL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) XXXX regarding fraudulent and unauthorized accounts that remain on my credit reports despite my prior disputes. These accounts are the result of identity theft and do not belong to me. I have submitted disputes and provided the necessary information to the credit bureaus, yet they have failed to remove these items as required by law. 

The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX clearly states that consumer reporting agencies must block identity theftrelated information from a consumers file within XXXX business days of receiving the proper documentation. The continued reporting of these fraudulent accounts is a direct violation of this requirement. Furthermore, these items have been reinserted on my report after previous disputes, without proper verification or notification, which is also a violation of FCRA provisions regarding reinsertion of information. 

The presence of these inaccurate accounts is causing me financial and personal harm. I am requesting that the CFPB take immediate action to ensure that the credit reporting agencies permanently remove the disputed fraudulent items from my credit reports, prevent unlawful reinsertion, and comply fully with their obligations under FCRA 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 2025-09-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Mathew Aaron Holdings Inc.
State: TX

Complaint narrative:
Continued to charge my account monthly for a service they only provided for a couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
I have filed a federal XXXX XXXX XXXX. XXXX on XXXX XXXX. The suit is Attachment " A ''. On ( XXXX XXXX I recieved a late fee is Attachment B '' on new sum of {$5800.00} moving forward foreclusure. 

I paid $ XXXX XX/XX/XXXX and just paid {$1700.00} on XX/XX/XXXX with a late fee attached .Attachment " c :.

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 2025-09-28 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: TX

Complaint narrative:
I am formally disputing inaccurate and inconsistent information on my credit report. The account in question is : Creditor : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  This account is being reported inaccurately across the credit bureaus ( Experian, XXXX XXXX XXXX ). Specifically, with Experians reporting I have identified the following issues : 1. Balance After Charge-Off Your bureau is reporting this account as charged off, yet continues to show a balance of {$560.00}. Once an account is charged off by the original creditor, it must reflect a {$0.00} balance. Reporting both is inaccurate and misleading. 
2. Conflicting Dates & Comments Across Bureaus Your report shows the Date Opened as XX/XX/XXXX, while XXXX  shows XX/XX/XXXX. Additionally, your comments differ from XXXX, creating inconsistencies. Under FCRA Section 607 ( b ), the information must be reported with maximum possible accuracy, which is not occurring here.

3. Contradictory Status : Charge-Off vs. Active Payment Reporting This account is marked as charged off, but still reflects a Date of Last Payment of XX/XX/XXXX. Once charged off, no new payments should be reported. This contradiction calls into question the accuracy of the entire tradeline. 
Because of these errors, I request that Experian immediately conduct an investigation and delete this XXXX XXXX account. If the account can not be verified with 100 % accuracy, it must be removed from my file, consistent with FCRA requirements. 
Please provide me with the results of your investigation in writing within the 30-day period required by law. 
Thank you for your prompt attention to this matter

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 2025-09-28 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: GA

Complaint narrative:
I LOOKED XX/XX/XXXX MY CREDIT REPORTS AND NOTICED SEVERASL ACCOUNTS OPENED IN MY NAME WITH OUT MY CONSENT

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 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
Account had been restricted since XX/XX/XXXX and money locked up from Robinhood. I call support and try to work out the problem. Then they say support will get back to me. Never do. As of XX/XX/year> I still do not have access to my money or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NY

Complaint narrative:
An XXXX XXXXXXXX XXXX installment loan account is being reported on my credit report with late payments ( XXXX days past due in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). This account is not mine. It was closed in XX/XX/XXXX with a {$1000.00} balance. 

I have disputed this account with Experian, Equifax, and TransUnion, contacted the bank, and filed an FTC Identity Theft report. Experian and Equifax have removed the late payments, but TransUnion still reports them. The inaccurate reporting has harmed my credit score and prevented me from accessing credit.

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 2025-09-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Oquirrh Mountain Law Group, P.C.
State: TN

Complaint narrative:
I was a paying client of XXXX XXXX from XXXX ( Client IDs XXXX & XXXX ). XXXX advertised and charged me for credit repair services, identity theft protection, and {>= $1,000,000} identity theft insurance coverage through XXXX. 
I paid multiple fees ( including upfront first work fees ), but XXXX failed to provide the services promised. They abandoned my active case, closed my account without notice, and blocked me from accessing the {>= $1,000,000} identity theft insurance I relied on. 
As a result, my insurance claim with XXXX ( Claim # XXXX, Cause of Loss : Identity Fraud ) was denied. This left me without protection, caused severe financial harm, and left me homeless. 
I repeatedly requested updates, documentation, and resolution from XXXX, but they refused to provide the requested information. They charged me illegal fees, misled me about coverage, and failed to act on the disputes and protections they sold me. 
Their misconduct has caused extreme hardship, including the denial of my valid insurance claim, fraudulent accounts in my name, and ongoing damage to my credit and financial stability. 
What would be a fair resolution to this issue? 
Reinstate and honor the {>= $1,000,000} identity theft insurance coverage. 
Pay my denied XXXX claim ( # XXXX ). 
Compensate me under Utah Bond No. XXXX ( {$100000.00} ). 
Refund all fees I paid for services never provided. 

Additional compensation for the financial loss, homelessness, and damages caused by XXXX Laws abandonment of my case. 
Attach documents Upload your XXXX ( the combined file we prepared ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: CO

Complaint narrative:
email was received XXXX XXXX, XXXX  for debt agreement of 40 % then what I owe. 

I would like to have debt remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
CFPB Complaint : Unlawful Garnishment of Exempt Funds and Resulting Housing Instability Complainant : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Collector : Messerli & Kramer P.A . 
Date of Incident : XX/XX/year> Location : XXXX XXXX, Minnesota Summary of Complaint : On XX/XX/year>, XXXX XXXXXXXX XXXX, acting in coordination with Messerli & Kramer P.A., froze and garnished approximately 75 % of my available funds. These funds were exempt under federal and Minnesota law, as they were derived from public assistance and protected income sources. I had previously submitted all required documentation in person to Messerli & Kramers office, including proof of exemption and records from a prior case confirming my protected status within the last six months. 

Despite this, the garnishment proceeded, and my demand letter requesting the release of funds was ignored. As a result, I have been unable to pay rent, utilities, or other essential bills. I was homeless prior to XX/XX/year>, and this unlawful action has placed me at immediate risk of returning to homelessness. 

Violations and Harm : Violation of Minn. Stat. 550.37 : Garnishment of exempt funds despite timely notice and documentation. 
Failure to honor exemption claims : Both the bank and collector had full access to my exemption records and failed to act accordingly. 
Negligent and reckless conduct : Ignoring exemption documentation and demand letters. 
Housing instability and financial hardship : Direct result of unlawful garnishment. 
Due process violations : No meaningful opportunity to contest or prevent the freeze. 


Relief Requested : Immediate release of all exempt funds. 
Full investigation into XXXX XXXX XXXX and Messerli & Kramers garnishment practices.

Enforcement action to prevent future violations. 
Compensation for damages, including compounded financial harm and emotional distress. 


Additional Notes : XXXX XXXX courts and agencies have full access to my public assistance records. This case should never have proceeded. The garnishment reflects systemic negligence and a disregard for consumer protections afforded to vulnerable individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: IA

Complaint narrative:
I checked my recent credit report and noticed multiple accounts fraudulent reporting under my name that I do not recognize, they are not mine and Im asking for immediate removal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: IA

Complaint narrative:
I checked my recent credit report and noticed multiple accounts fraudulent reporting under my name that I do not recognize, they are not mine and Im asking for immediate removal

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 2025-09-28 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: Self Financial Inc.
State: VA

Complaint narrative:
Account Name : SELF /ATLANTIC XXXX XXXX  Account Number : XXXX Amount : {$720.00} Date Opened : XX/XX/year> I previously disputed this item with [ credit bureau XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX and requested verification, including the original signed contract and a full accounting of the alleged amount. 


To date, I have not received proper verification, yet the account continues to be reported. This violates FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation and delete any information that can not be verified within 30 days. 


I am requesting the CFPB to investigate and compel [ credit bureau ( s ) XXXX XXXX XXXX XXXX  ) to remove the unverifiable item ( s ) from my credit report and ensure compliance with federal law. 


This is classified as defamation to my character. Please delete this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX and XXXX XXXX. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA XXXX681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am disputing XXXX charge offs and XXXX is sending in negative information high credit usage on an account that is in charge off status since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: M&T BANK CORPORATION
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding M & T BANK s failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. M & T BANK has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. M & T BANK XXXX XXXX XXXX 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 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Im being given a deadline to respond by a strangercompany i never signed papers with or did business with.

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint Summary : On XXXX XXXX XXXX XXXX XXXXXXXX restricted my XXXX Card ending in XXXX for suspicious activity. The account was current, never over limit, and all transactions were mine. No explanation was ever given. 
XXXX XXXX then demanded 90 days of bank statements, but I had no financial activity from XXXX XXXX due to medical incapacitation ( diagnosed with XXXX XXXX in XXXX ). I began working again on XX/XX/XXXX, with first direct deposit on XX/XX/XXXX. Only statements from XXXX XXXX XXXX exist. I explained this multiple times but XXXX XXXX refused to accept them. 
As a result, my Experian score dropped from XXXX to no score and XXXX  dropped from midXXXX to XXXX overnight ( XXXX XXXX XXXX ). This destroyed a pending business transaction with XXXX XXXX XXXX and has blocked my ability to secure housing as I transition out of 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