vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Suttell, Hammer & White, P.S
State: TX

Complaint narrative:
the last recent mail i got was from the collections company which i tried logging in and making an account to pay but it didnt let me pay so i dont know what happened there. So i tried emailing the office and never got a respond back. 

XX/XX/year> : email : asking if i can make a payment.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Request for Removal of XXXX Account Reporting XXXX Company : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Complaint : I am submitting this complaint because XXXX continues to report an account that was included in my bankruptcy. This account should no longer be showing as an active or collectible debt. I have been discharged from bankruptcy, which means I am no longer legally responsible for this debt. 

Despite this, XXXX continues to report this tradeline on my credit report, which is inaccurate and misleading. I am requesting that this tradeline be removed entirely from all credit bureaus to reflect my current and accurate credit standing. 

Please have XXXX delete this account immediately to comply with the Fair Credit Reporting Act ( FCRA ) and bankruptcy discharge protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am a Washington XXXX consumer submitting this complaint about multiple insurance-related specialty consumer reporting agencies, including : XXXX XXXX XXXX XXXX XXXX Auto and Property ), XXXX  Property ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX. 

These companies compile and sell detailed insurance dataincluding property, auto, health, and life-insurance claims and underwriting informationthat insurers use to determine eligibility, premiums, and renewals. 
Because of information maintained by these agencies, I have experienced : higher insurance premiums, reduced coverage options, and denial or delay of new policies. 

I have reason to believe that these reports contain outdated, duplicated, or misattributed claims, including information belonging to previous policyholders or unrelated individuals. 

I request that the Consumer Financial Protection Bureau ( CFPB ) require these agencies to conduct full manual audits of my records and ensure all data is accurate, verified, and lawfully reportable under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXXXXXX ( 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 2025-10-12 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am submitting this complaint to request a formal review and correction of my federal student loan account currently serviced by Aidvantage on behalf of the XXXX Department of Education. My account shows payment delinquencies that occurred during periods when I was facing verified financial hardship and was enrolled in or eligible for XXXX XXXX ( XXXX ) and/or Discretionary Forbearance. Due to my low income at the time, I was informed that my loans would remain in good standing and that my repayment obligations would be adjusted accordingly ; however, my account history was not properly updated to reflect these protections. As a result, my payment record inaccurately shows late or delinquent payments, which has caused unnecessary financial stress and XXXX have impacted my credit standing. I am respectfully requesting that Aidvantage retroactively correct these errors by adjusting any payments reported as late during approved forbearance or income-driven repayment periods, restoring my account to a current status, and ensuring that my records accurately reflect my current repayment plan and forbearance detailsspecifically, the Discretionary Forbearance ending XX/XX/year>, and the Income-Based Repayment Plan ending XX/XX/year>, as shown in my account documentation. This situation appears to constitute a servicing error or failure to properly apply the protections outlined in federal student loan regulations, including XXXX CFR XXXX ( XXXX XXXX XXXX ) and XXXX CFR XXXX ( Forbearance ). I am requesting a full investigation and written confirmation once my records are corrected to accurately show that my loans have remained in good standing during the affected periods. Attached are screenshots from my Aidvantage account showing my current repayment details, interest rate, and forbearance end dates for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: GA

Complaint narrative:
On XX/XX/year>, Spire Recovery Solutions contacted me about a debt they claimed I owed. During that call, I told their representative they had the wrong person and that I did not owe this debt.

Despite this, Spire called me again on Friday, XX/XX/XXXX, and also contacted my mother, disclosing that they were attempting to collect a debt. 

I requested written validation of the alleged debt, including proof that I owed it and the identity of the original creditor. Instead of providing documentation, Spire claimed I had opened and viewed an email as proof of validation, which does not meet the legal requirements for written debt validation. 

Their continued contact and improper third-party communication violate the Fair Debt Collection Practices Act ( FDCPA ) specifically 15 U.S.C. 1692b ( prohibiting third-party contact ) and 1692c ( c ) ( prohibiting further contact after being told to stop ). 

I am requesting that Spire Recovery Solutions cease all communication with me and any third parties, remove my contact information from their system, and confirm that this alleged debt will not be reported to any credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-12 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-12 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-12 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: IL

Complaint narrative:
I find it very unfortunate that Experian has ignored my requests and doesnt seem to care about the consumer. I am a victim of Identity theft, I regularly check my credit reports these last few months and my scores due to pressing needs of me and my entire family. I have been reaching out to Experian regarding items I believe to be inaccurate and unlawful to post about me. This has caused me a lot of XXXX and anxiety which I have been getting treatment for and along with this I recently suffered an event that has caused severe XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory items being reported about me damaging me, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Experian being XXXX of the important XXXX XXXX XXXX in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Experian operates then I would XXXX that other people in this country experience the same outcome when they dispute with them as well. I have researched and talked with others and I can not seem to find anything supporting this occurrence. I have reached out to Experian about this multiple times calling their call center where I can not seem to get reliable help regarding this situation and most times my calls end with their representatives hanging up on me and not calling back until days later from an unavailable number and not leaving a direct line for me to reach back to the representative that I would hope is from a higher level of representation. So to all of this then please explain the errors and false misleading information on my report and the exact process being used to verify them as I honestly believe that they are illegally being reported to begin with and if they are removed as they should per law then I have no reason to dispute.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am submitting this complaint because Possible finance # XXXX & XXXX continues to report an account that was included in my bankruptcy. This account should no longer be showing as an active or collectible debt. I have been discharged from bankruptcy, which means I am no longer legally responsible for this debt. 

Despite this, Possible finance continues to report this tradeline on my credit report, which is inaccurate and misleading. I am requesting that this tradeline be removed entirely from all credit bureaus to reflect my current and accurate credit standing. 

Please have Possible finance delete this account immediately to comply with the Fair Credit Reporting Act ( FCRA ) and bankruptcy discharge protections.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
I received a letter on XX/XX/year> stating that this debt was sent to collections and that the balance due is {$1200.00}. 

This medical debt was set up on a payment plan upon receipt of the first bill and I show that regular payments were made as agreed. 

I received no further billings or notices that alerted me to any issues regarding our repayment agreement and no changes were made to accounts on my side that would have resulted in a default of our agreement. 

I sent a letter to the collection agency asserting as much today and am filing this complaint as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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:
The account in question does not belong to me. I have no knowledge of and didn't authorize this account end in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app let someone log into my account and withdraw money to another bank that I have never used on that account! I disputed the transaction and they didnt even take time to investigate before denying my claim! I need my {$6000.00} back and do not have time to wait days just to get a response from cash apps absolutely terrible customer support team. I want my money back immediately! 
ALSO CASH APP WIll TRY TO LIE AND SAY THEY CANT CONFIRM THIS IS MY ACCOUNT SO THEY DONT HAVE TO GIVE INFORMATION. I ADDED A SCREENSHOT OF MY ACCOUNT ( THAT THEY CLOSED JUST SO THEY WOULD NOT HAVE TO INVESTIGATE MY CLAIM ) SO NOBODY CAN SAY THIS IS NOT MY ACCOUNT. THEY ALSO RESPONDED TO MY LAST CLAIM SAYING TO CALL THEM SO THEY CAN VERIFY MY IDENTITY AND CONTINUE MY CLAIM BUT THESE LIARS DIDNT KNOW ANYTHING ABOUT MY CLAIM OR MY CFPB COMPLAINT WHEN I CALLED!! KEEP ON GIVING ME THE RUN AROUND AND CASH APP WILL HAVE EVEN MORE LAWSUITS ON THEIR HANDS I PROMISE! I NEED MY {$6000.00} by the end of XXXX or i will be filing a lawsuit because i refuse to wait another 60 DAYS for cash app to lie and push me to the side and I will NOT wait for another fake investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: MI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: OH

Complaint narrative:
In XX/XX/year>, I discovered that this company was reporting and collecting a debt that was fraudulently opened in my name. This account is the result of identity theft and is fully documented in a XXXX XXXX XXXX XXXX police report ( Report # XXXX, dated XX/XX/year> ). The alleged balance is approximately {$29000.00}. 

Since that time, I have repeatedly provided the company with a complete identity theft package, including a police report, notarized FTC Identity Theft Affidavit, and supporting documentation. Despite confirmed delivery, the company has refused to acknowledge or process my identity theft claim, continues to report or pursue the account, and has provided no validation of the alleged debt. 

These actions violate multiple consumer protection laws : Fair Credit Reporting Act ( FCRA 605B ) requires furnishers and credit reporting agencies to block and remove information resulting from identity theft once provided with an identity theft report.

FCRA 623 ( a ) ( 6 ) prohibits furnishers from continuing to report information they know or should know is the result of identity theft.

Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) requires a debt collector to cease collection activities until verification of the debt is provided after a written dispute or validation request.

FDCPA 807 and 805 ( c ) prohibit continued contact, harassment, or false representation of a debt once a consumer disputes it in writing.

Despite my full cooperation and submission of all required documentation, this company continues to call and attempt to collect on a debt they have not verified and that has been proven to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX Trans Union regarding a hard inquiry from XXXX  XXXX on XX/XX/year> I stated that possible fraud identity theft. I did not authorize did not apply for credit potential identity theft. Trans Union stated their company policy that they would not remove the harder inquiry that was possible identity theft. I needed to contact XXXXl XXXX to dispute the hard inquiry, fraud, identity theft. 
Other credit reporting companies immediately removed the hard inquiry. 

Trans Union is now sending me multiple text messages stating fraud alert on my credit report. Even though they have not removed XXXX XXXX hard inquiry. 

I feel that due to the multiple text messages. Trans Unions is trying to upsell me on their products which I do not wish to purchase.

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