vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I dispute debt buyers National Credit Systems Inc. unauthorized communication in my credit report which is egregious to me, inaccurate, incomplete and misleading. The alleged debt that debt buyer furnished regarding the debt collection to my consumer profile is unwarranted because it is not able to provide a valid verifiable contract, assignment or judgment by a court of competent jurisdiction. The collection furnished without my written consent in whole or in part is oppression and is abusive to my rights and interest. I have been denied my right to personal and household opportunities as a result of National Credit Systems Inc defamation and discrimination against my consumer right to contract for housing and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
Multiple unauthorized accounts appearing on my credit report are the direct result of identity theft, for which I never granted permission or provided any form of written consent. These fraudulent entries have severely impacted my financial standing and ability to secure essential credit for major life decisions, including homeownership and providing for my family 's needs. The emotional toll and financial barriers created by these inaccurate reporting items demand immediate corrective action. I am formally demanding that these disputed accounts be blocked and permanently removed from my consumer file within XXXX business days of receipt of this communication, as their continued presence violates my consumer 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 explanation
Consumer complaint received 2025-09-11 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:
Multiple unauthorized accounts appearing on my credit report are the direct result of identity theft, for which I never granted permission or provided any form of written consent. These fraudulent entries have severely impacted my financial standing and ability to secure essential credit for major life decisions, including homeownership and providing for my family 's needs. The emotional toll and financial barriers created by these inaccurate reporting items demand immediate corrective action. I am formally demanding that these disputed accounts be blocked and permanently removed from my consumer file within XXXX business days of receipt of this communication, as their continued presence violates my consumer 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 2025-09-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/scrub>XXXX Balance : {$720.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: OH

Complaint narrative:
hi, I locatd my identity theft on my report. How do I corect it? I reprted it to the FTC. Can u delete the items enclsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
hi, I locatd my identity theft on my report. How do I corect it? I reprted it to the FTC. Can u delete the items enclsed.

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 2025-09-11 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: CA

Complaint narrative:
I am a confirmed victim of identity theft. On XX/XX/year>, I filed an official FTC Identity Theft Report ( Report XXXX XXXXXXXX ) declaring that multiple accounts were fraudulently reported in my name without authorizationbreaking my orivaxy and vilating the law. These accounts include : XXXX XXXX Acct XXXX XXXX Acct XXXX XXXX  Acct XXXX XXXXXXXX I discovered these accounts in XX/XX/year> while reviewing my credit file. I never authorized these accounts to use my name or any personal information to report. Each was reported with a {$0.00} balance, but still continues to appear on my credit report, causing damage to my creditworthiness and violating my privacy rights. 

Specifically : The XXXX XXXX account is reported both as a collection and a charge-off, despite showing a {$0.00} balance and being listed as purchased by another lender. This double-reporting is contradictory and misleading. According to IRS Publication 4681, when creditors charge off {$600.00} or more, they must issue a Form 1099-C. Reporting an account as charged off yet collectible or transferred without issuing the required tax document misleads both the consumer and the IRS. 
The XXXX and XXXX accounts continue to appear on my file with no balance but misuse my personal identifiers without a permissible purpose, constituting a privacy violation under the FCRA. 

I immediately sent dispute letters to Equifax and other credit bureaus, enclosing my FTC Identity Theft Report, government ID, and proof of address. Despite this, the accounts remain on my report, in violation of multiple consumer protection laws. 

This reporting has caused me emotional distress, financial harm, and damage to my credit profile, affecting my ability to apply for legitimate credit. 

The company and credit bureaus are now on notice that this is an identity theft case and a privacy violation. My rights are protected under : FCRA 1681c-2 ( 605B ) obligation to block identity-theftrelated information.

FCRA 1681e ( b ) duty to maintain maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) right to dispute and reinvestigation.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibition against knowingly reporting false data.

FCRA 1681b limits on permissible purpose.

FDCPA 1692g ( a ) requirement for written debt validation.

IRS 1099-C Guidelines misreporting of charged-off accounts as collectible is misleading.

Despite providing proper documentation, I have received stall responses instead of compliance. This failure to act is willful noncompliance under 15 U.S.C. 1681n

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 2025-09-11 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: GA

Complaint narrative:
Unauthorized/Unverified accounts and inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

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 2025-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
My car has been repossessed at the age of XXXX. I was young and uneducated also making poor decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: TX

Complaint narrative:
The Landlord is claiming I owe them $ XXXX. Before I moved out of the apartment they gave me a rent to vacate agreement you will see attached. They emailed me after I paid the final payment that they found someone to rent the apartment. I made all the final payments. There is no debt owed. Also the rent was {$1500.00}. I moved out of the apartment in XXXX. I paid the rent before I left for XXXX and they found someone to rent the apartment for XXXX. This is a false money grab. I paid all final debts and confirmation was made from the landlord.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There were two different bank accounts opened in my name. XXXX had a personal account and a business account in my name. XXXX XXXX XXXX also had an account in my name. I disputed both of them and they found it to be identity theft, but it is still on my credit report that I have multiple bank account and it is not with either one of those. I need to have those removed please as soon as possible.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
There were two different bank accounts opened in my name. Webanco had a personal account and a business account in my name. XXXX XXXX XXXX also had an account in my name. I disputed both of them and they found it to be identity theft, but it is still on my credit report that I have multiple bank account and it is not with either one of those. I need to have those removed please as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My account was hacked, you can see this by looking at all of the transactions that were made to XXXX XXXX. I also called the PayPal dispute center and advised them that I did not make these purchases. I was at that point advise that the XXXX XXXX purchases were still in processing and that I would have to call back to dispute them. At that point I had to change my bank account numbers. The reason the payment didn't go through was because the bank account was closed due to fraud. I did not order from XXXX XXXX, I did not receive any product from XXXX XXXX. As you can see the first fraudulent purchase on my account went through an old Debit card, and when it was cancelled, they took my bank account information from the paypal site and attempted to make purchases. However, that account was close. 
I Have called numerous times to get this straightened out even asking to speak to a supervisor. Because of this Breach in PayPal security, I have had to cancel all of my bank accounts, and credit cards. Not only did this effect my ability to pay my bills, it also has kept me from receiving my XXXX XXXX XXXXXXXX payments, as well as my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
Over the last XXXX  years I have been taking the appropriate steps and measures to participate in the Public Service Loan Forgiveness ( PSLF ) program, ensuring that all loans that are in my name were on appropriate payment plans to align with the regulations set forth by this program. In doing this, I applied for the XXXX program when it was still available and prior to the administrative pause placed on all borrowers on this plan. Once the forbearance on the XXXX XXXX consumers went into effect, I maintained on this plan as I was under the impression that despite the months in forbearance not being eligible months of payments toward PSLF, these months should be eligible for the XXXX  XXXX  program that was put in place under the XXXXXXXX XXXX 

On XX/XX/year> I formally applied for the XXXX XXXX and in doing so was provided with a timeframe of 5-45 business days in which a decision would be reached. As of writing this complaint on XX/XX/year>, I have yet to receive any update on when this decision will be made. I have contacted the Federal Student Aid several times on the dates of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  & XX/XX/year>. In each of these instances I have been told that I would have to wait until the decision had been made and there was no further escalation that could aide in expediting the process. I have made an effort to contact the Ombudsman at a phone number ( XXXX ) that is still listed on the StudentAid.gov website and was told by the representative that they did not process claims for the Ombudsman despite the number still being listed on the website as of XX/XX/year>. I have attempted to escalate this to my XXXX XXXX and their office also received communication on XX/XX/year> stating that I ( the constituent in their language ) would have to wait to be contacted directly by Federal Student Aid.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to my earlier CFPB complaint # XXXX. 

Equifax closed my complaint by saying XXXX XXXX XXXX verified the accounts. That is not good enough under the Fair Credit Reporting Act. Neither Equifax nor XXXX XXXX has given me : XXXX. The original signed credit agreement or application. 


XXXX. A full payment history from start to charge-off. 


XXXX. A bill of sale with my account number that proves XXXX XXXX owns this debt. 



Without these documents, the accounts can not be verified. Equifax is just passing along electronic verified responses, which is not a real investigation. 

Also, Equifax has had a major data breach, which makes it even more dangerous for them to keep reporting debts that are not proven. 

These XXXX XXXX XXXX accounts are still on my report : {$2000.00} ( opened XX/XX/year> ) {$2500.00} ( opened XX/XX/year> ) I am asking the CFPB to : Make Equifax and XXXX XXXX provide the original signed agreement, payment history, and bill of sale. 

If they can not, delete these accounts right away. 

Investigate Equifax for not doing a proper investigation. 


If these accounts are not removed, I am ready to sue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX SSN : XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian disclosing wrongful information XXXX, is not my date of my D.O.B is XXXX, also I had to lock my report they refuse to ackowleged that my family member has the same name and his new XXXX  address appear on the report as well

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive sent multiple letters of validation to the company so they can validate that the accounts belong to me.

Company response to consumer: Closed with explanation