vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : INQUIRIES : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX  XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXXXXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX  Date : XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 as proof from the XXXX 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 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 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Washington XXXX XXXX  XXXX Email : XXXX XXXX XXXX Date : XX/XX/2025 To : XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX CC : XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Formal Dispute and Demand for Deletion of Inaccurate Collection Account Account Name : National Credit System Original Creditor : XXXX XXXX XXXX  Account Number : XXXX Reported Balance : {$7600.00} Date Opened : XX/XX/2025 To Whom It May Concern : This correspondence serves as a formal dispute and demand for deletion of the above-referenced collection account from my XXXX  credit report. 

The account, reported by National Credit System on behalf of XXXX XXXX XXXX, is inaccurate, incomplete, and legally unverified under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

The alleged debt arises from an apartment unit that was uninhabitable due to a severe infestation of mice and roaches, in violation of Maryland XXXX XXXX Code XXXX, which requires landlords to maintain properties free from conditions that endanger tenants health or safety. 
Despite repeated complaints, the management failed to correct these hazardous conditions, forcing me to vacate the premises. These facts are supported by photographic and video evidence, which will be presented in court if necessary. 
Because the landlord violated state housing laws and failed to uphold habitability standards, any balance claimed as owed is disputed, invalid, and unenforceable. Reporting this account as a legitimate debt constitutes false and misleading reporting, causing harm to my credit reputation. 

Accordingly, I am demanding that : XXXX. Experian immediately investigate this account under FCRA XXXX  ( XXXX  U.S.C. XXXX  ) ; 2. National Credit System provide full verification and documentation proving the accuracy and legal basis of this debt ; and XXXX. This collection account be permanently deleted from my credit file within XXXX  days if verification can not be substantiated with original signed lease records and repair/condition documentation.

Failure to comply will result in civil legal action under FCRA XXXX  and FDCPA XXXX, and formal complaints will be submitted to the Consumer Financial Protection Bureau ( CFPB ), the Maryland XXXX  XXXX XXXX XXXX XXXX, and the XXXX Department of Housing and Urban Development ( HUD ). 
Please confirm deletion or provide written proof of lawful verification within XXXX  days as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
This letter serves as my formal dispute regarding the XXXX XXXX account currently being reported on my credit file. Upon reviewing my credit report, I have determined that the reporting of this account is inaccurate, incomplete, and unverifiable, and therefore must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my legal right to request a full reinvestigation of this account. The furnisher and the credit reporting agency are both required by law to verify the accuracy and completeness of all information reported. If the alleged repossession can not be substantiated with complete documentation including original signed agreements, payment records, and proof of lawful repossession procedures it must be deleted immediately. 

Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting any data they know or have reasonable cause to believe is inaccurate. Continuing to report unverifiable or incomplete information constitutes willful noncompliance with federal law and subjects the reporting party to liability under FCRA 616 and 617.

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 2025-10-21 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: WI

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

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 2025-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
This company has called me XXXX XXXX in the past week. Legally they can not more than XXXX and they are calling multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Climb Credit Inc.
State: MI

Complaint narrative:
Subject : Urgent : Unresolved Refund of {$6900.00} Climb Credit / XXXX XXXX I am writing to formally express my concern regarding the unresolved refund of {$6900.00} that was supposed to be processed by XXXX XXXX and credited to my Climb Credit loan. 
Here is a timeline of events : Loan Amount : {$7900.00} ( Paid to XXXX XXXX  ) Cancellation Date : XX/XX/year> Refund Issued by School : XX/XX/year> email confirmation for refund issued Initial Refund XXXX : XXXX  days ( as per Climb Credit ) Subsequent Updates : Extended to XXXX days, then XXXX days, and now XXXX days ( per most recent update from Climb Credit ) It has now been over XXXX  days, and there is no refund reflected in my Climb Credit account. Ive been continuously redirected between both parties without resolution. This is causing me financial distress and eroding trust in both organizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Mortgage Connect LP
State: OK

Complaint narrative:
I was issued a check on XX/XX/year> by XXXX  XXXX in the amount of {$1600.00} to pay off a debt with XXXX  when I refinanced my home. I took the check to the post office to send it. XXXX assuming the check got intercepted because it was deposited into an account at the XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. 

I reached out to XXXX and it was confirmed that my check was fraudulently deposited into another business account but they couldnt give me any information. In order for the refund to be made, XXXX  XXXX would need to dispute it. I contacted XXXX  XXXX and after many calls I finally got ahold of someone by the name of XXXX. She returned my call to me on XX/XX/XXXX and left me a voicemail because I was traveling. We continued to play phone tag for weeks it seemed like. I emailed her and there was no response multiple times. Finally, on XX/XX/year> we have a conversation regarding the check and what needs to happen for them to dispute it. She tells me that I need to have XXXX fill out an affidavit stating that they didnt deposit the check. If they didnt I had 20 days or I wouldnt be able to get my money back in return. I called XXXX  and they are telling me they wont sign an affidavit from an outside bank and all they are willing to do is to send me my statement. XXXX  XXXX wont accept that. 

I have filed a police report with the XXXX Police Department in XXXX XXXX # XXXX with XXXX XXXX XXXX # XXXX on XX/XX/year>. He has contacted the XXXX and they wont get him any information regarding where the money was deposited unless it is subpoenaed. XXXX wont accept an subpoena via email so it have to go through the postal service. 
I have also filed a claim with the XXXX service request # XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-21 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information reporting on my Equifax credit file under my name and SSN. This is a formal request under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Uniform Commercial Code ( UCC ). Please conduct a reasonable investigation pursuant to FCRA 611 and provide documentation verifying the accuracy of each tradeline listed below. 
Negative Items to be Investigated and Corrected or Deleted : XXXX. XXXX XXXX XXXX Status : Closed with derogatory payment history ( XXXX day lates ) o Violation : FCRA 607 ( b ) ( Maximum possible accuracy not met ), 611 ( a ) ( XXXX ) ( A ), XXXX XXXX Payment History conflict. 
XXXX. XXXX XXXX Status : Closed with late payments o Violation : Inconsistent reporting of late payments, violation of FCRA 607 ( b ) and XXXX XXXX XXXX alignment. 
XXXX. XXXX XXXX : XXXX XXXX XXXX  - XX/XX/year> XXXX. Hard Inquiry : XXXX  XXXX XXXX  XXXX  - XX/XX/year> o Violation : These inquiries are not associated with any open or approved accounts and thus lack permissible purpose under FCRA 604 ( a ) ( 3 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I received a check by mail from an entity identified as Courts of the XXXX XXXX XXXX ( attached ). An individual who claimed to be a representative of this company asserted that the funds were legitimate and that I could expect to earn ongoing payments on a weekly basis. 

At that time, I was under medical care for diagnosed mental health conditions and was prescribed medication to which I was unknowingly allergic. This adverse reaction resulted in episodes that impaired my judgment, cognitive functioning & medical incompetence ( Medical Letter Attached of treatment ). Consequently, I was unable to discern that I was being exploited and victimized by fraudulent activity. 

Following receipt of the check, I attempted to deposit it with my financial institution, USAA. The check was subsequently identified as fraudulent, leading to the closure of my account and reporting of my information to the XXXX XXXX XXXX XXXX. I was unaware that the check was fraudulent, and when I attempted to contact the alleged company representative, communication was no longer possible. 

I am now under appropriate medical care, receiving effective treatment, and of sound mind. I can affirm with certainty that I was an unknowing and involuntary victim of fraud. Because of this report on the XXXX XXXX XXXX, I have been unable to open new accounts with financial institutions, which has caused significant hardship in recent years. 

USAA later provided a written letter ( attached ) acknowledging that inconsistencies within their banking system affected my account. Despite this, I believe I did not receive the protections and support appropriate for a victim of fraud. I have no history or record of any fraudulent activity, as such conduct is entirely inconsistent with my character and integrity. 

I respectfully request that this matter be reviewed and resolved accordingly.

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 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34i ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have reached out to this company directly to get more information. They are violating my rights and i'm entitled to XXXX dollars for every violation. They must remove this account now.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding a Capital One charge-off account that is being reported to Equifax with XXXX balance of {$750.00}. I previously initiated a dispute through a third-party representative, and Capital One did not provide any documentation, validation, or itemized accounting to support the reported balance or the charge-off status. Despite failing to provide validation within the required time frame, the account continues to be reported. 
Capital One has not provided : An itemized ledger or billing history supporting the {$750.00} amount The original signed agreement that authorizes the alleged debt Any proof they have the legal right to continue reporting the debt Under the FCRA, consumer reporting must be accurate, verifiable, and complete. Continuing to report a charge-off balance without validation violates these standards and causes ongoing harm to my credit profile. 
I am requesting that this account be deleted from all credit reporting due to the failure to verify and provide documentation supporting the reported balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-21 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 formally contest the reporting of accounts not opened by me. Please conduct a thorough review and delete these entries. Supporting documents are enclosed.

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 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Attempts to collect debt that I don't recognize. I believe the debt does not belong to me. Please remove from 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 2025-10-21 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within fouXXXX 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 : INQUIRIES : XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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, as proof from the XXXX 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 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 2025-10-21 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-21 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief