vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer act under 15 USC 1681. 

States XXXX XXXX XXXX XXXX XXXXXXXX Alleged debt {$10000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Amount of alleged debt {$9300.00} XXXX XXXX XXXX XXXX XXXXXXXX Amount of alleged debt {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Amount of alleged debt {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX Amount of alleged debt {$17000.00} XXXXXXXX XXXX XXXX XXXXXXXX Amount of alleged debt {$15000.00} XXXXXXXX XXXX XXXX XXXXXXXX Amount of alleged debt {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount of alleged debt {$9300.00}, has violated my rights And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b )

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  XXXX XXXX  XXXX DC XXXX Re : Formal Complaint Identity Theft and Failure to Block Fraudulent Information under 15 U.S.C. 1681c-2 To Whom It May Concern, I am submitting this complaint regarding XXXX XXXX XXXX XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block all information that a consumer identifies as resulting from identity theft. 

I was a victim of identity theft, and as a result, my consumer credit files contain accounts and derogatory information that do not belong to me. Despite notifying the credit bureaus and disputing these items, the accounts remain, causing severe harm to my creditworthiness. 

The following negative accounts are fraudulent, inaccurate, and must be blocked under federal law : XXXX XXXX Account # : XXXXXXXX XXXX XXXX {$11000.00} Voluntary Repossession XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  {$0.00} 90 Days Late / Closed XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX {$1200.00} Collection / Charge-Off XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX {$680.00} Collection / Charge-Off XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX  {$480.00} Collection / Charge-Off Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block reporting of information identified by the consumer as resulting from identity theft, within XXXX ( XXXX ) business days of receiving : Proof of the consumers identity, A copy of an identity theft report, The identification of the fraudulent information, and A statement from the consumer that the information is not related to any transaction by the consumer. 

I have provided this documentation directly to Experian, TransUnion, and Equifax, yet they have failed to permanently block these accounts as required. Their refusal to comply with federal law is a direct violation of my rights under the FCRA. 

I request that the CFPB investigate these violations and require the nationwide consumer reporting agencies to : Immediately and permanently block all fraudulent information listed above from my credit files, Provide me with written confirmation of such actions, and Ensure compliance with 15 U.S.C. 1681c-2 to prevent further harm.

Please confirm receipt of this complaint and provide me with updates regarding enforcement actions taken. Attached is a copy Identity Theft Report with Federal Trade Commission. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to XXXX. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX'I am submitting this complaint against the three major credit bureausXXXX Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act (FCRA) and failure to comply with Metro 2 Format and CDIA industry standards.XXXXDespite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C.  1681i(a).\n\nInstead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.\n\nViolations and Legal BasisXXXXThe following violations form the basis of this complaintXXXX15 U.S.C.  1681e(b)  Failure to maintain reasonable procedures to assure maximum possible accuracyXXXX15 U.S.C.  1681i(a)  Failure to conduct a reasonable reinvestigationXXXX15 U.S.C.  1681s-2(b)  Furnisher failure to correct or delete disputed informationXXXXMetro 2 and CDIA Guidelines  Failure to comply with reporting format and data integrity standardsXXXXFurther, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent:XXXXA credit reporting agency may not rely blindly on the [furnisher\'s] investigation. The agency has an obligation to conduct a reasonable investigation itself.XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXThese harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law.XXXX XXXX Account # XXXX Date Opened: XXXX XXXX  Account # XXXX Date Opened: XXXX XXXX XXXX  Account # XXXX  Date Opened: XXXX XXXX XXXX Account # XXXX Date Opened: XXXX Account # XXXX Date Opened: XXXX  Account # XXXX Date Opened: XXXX XXXX XXXX  Account # XXXX Date Opened: XXXXY XXXX XXXX XXXX XXXX XXXX XXXX XXXXRelief Requested:XXXXI am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX  toXXXXImmediately delete all negative items previously disputed that cannot be verified with complete documentationXXXXXXXXCease reporting unverifiable data and require original source validation for all disputesXXXXRe-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigationXXXXCertify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AZ

Complaint narrative:
I submitted my deferment waiver XXXX of XXXX  to have my in-school deferment periods waived and have all of those payments counted towards my 120 PSLF payment towards forgiveness however the system is showing that they only waived some of the deferment period not the whole thing and that is holding up the remaining payments I need from XXXX XXXX XXXX to hit the 120 payment mark.

Company response to consumer: In progress
Consumer complaint received 2025-09-26 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:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
XX/XX/XXXX charge off {$33000.00}, {$5.00}, XXXX pass due, however you charged off the account XX/XX/XXXX Collection Account {$4400.00} but I never had an account with you and XXXX purchased this account, Apt XXXX Paid, Closed Remove immediately, XX/XX/XXXX Closed, Paid remove immediately XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX Charged off {$18000.00}, {$18000.00} Written off,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This is not a duplicate dispute. 
My prior CFPB complaint challenged the accuracy of the credit reporting for Experian tradeline XXXX XXXX XXXX XXXX XXXX I Apartments ( Account # XXXX ). 

The collectors documents now confirm that the account is being re-aged and misreported, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Facts Proven by the Furnishers Own Documents Their resident ledger shows I first became delinquent in XX/XX/year> and moved out XX/XX/year>. 
The XXXX  tradeline still lists Date Opened : XX/XX/year> and Terms : 1 Month. 

Why This Is Illegal FCRA 623 ( a ) ( 5 ) requires furnishers to report the actual Date of First Delinquency ( DOFD ) so the XXXX reporting period runs from that date. 
FCRA XXXX ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
Reporting a Date Opened months after the true XXXX artificially extends the time this collection can remain on my credit reportthis is re-aging, a prohibited practice. 
Listing Terms : 1 Month when my signed lease was 12 months is a separate inaccuracy.

Requested Resolution I am not disputing whether money was ever owed. 
I am disputing that the XXXX tradeline is materially inaccurate and unverifiable as required by FCRA 611 ( a ).

Because the furnishers have already had an opportunity to correct these false fields and have failed to do so, I demand permanent deletion of the tradeline from all consumer reporting agencies under FCRA 611 ( a ) ( 5 ) ( A ).

Notice of Legal Rights Under FCRA 616617, I am entitled to pursue actual, statutory, and punitive damages for willful or negligent non-compliance.

If this inaccurate reporting is not deleted, I will pursue all available legal remedies, including a private action in federal court, and will seek attorneys fees and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
On XX/XX/year>, my fianc tragically took his life in our rental home at XXXX XXXX XXXX. Because of this event, I had to move out abruptly. Prior to this incident, I had submitted maintenance requests for needed repairs, but those requests were never addressed. 

When I moved out, I left the property in an acceptable condition and I have photographic evidence documenting this. I also attempted to contact the property management company before the account was sent to collections. Unfortunately, I never received a response, and the property management company is now no longer in business. I had XXXX dogs at the property and paid a pet deposit for each dog, but was still charged with animal damage ( there was no damage from either animal, in fact XXXX passed away tragically at the home as well so she wasnt there to cause damage ). 

I provided the collection agency with : Evidence of my attempts to contact the property management company, Photographic evidence showing the state of the property when I moved out, and Documentation of my communications and attempts to resolve this matter directly. 

Despite this, the debt is still being pursued. Given the circumstances, lack of response from the landlord/property XXXX, and the supporting evidence Ive provided XXXX I believe this debt is invalid and should not be enforced. 

I respectfully request that the CFPB review this matter and assist in ensuring that the debt is properly investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully dispute the accounts in question on my credit file, as they appear to be fraudulent. I ask that they be investigated and removed accordingly. Supporting evidence is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd
State: SC

Complaint narrative:
On XX/XX/year>, an unauthorized transfer of XXXX  XXXX ( Transfer ID XXXX ) was made from my Wise Business account ( XXXX XXXX XXXX ) to a person named XXXX XXXX. 

I did not authorize or approve this transaction. I was attempting to send money to my own account, but instead the transfer was manipulated as part of a phishing scam. I immediately tried to cancel the payment, but Wise did not allow me to stop it. 

After the transfer, I checked the recipients details and saw that the account no longer existed or had been blocked, which strongly suggests that it was a fraudulent account. 

I contacted Wise right away. At first, Wise support treated the situation as if I had sent money to the wrong recipient, but later they escalated it as a fraud case. Wise gave me a protocol number ( XXXX ) for their internal investigation. 

I also filed a police report with the XXXX Police Department ( XXXX # XXXX ). 

So far, Wise has not reimbursed my company. Under the Electronic Fund Transfer Act ( Regulation E ), this was an unauthorized electronic funds transfer, and Wise is legally required to refund the money. I am requesting CFPB assistance to ensure Wise complies with its legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citibank Credit Card Coming back from XXXX  XXXX Card had charges for which I didn't make Disputed said charges Bank insisted I pay Charges that were still under investigation or the minimum payment for which I did The following month statement had a balance of ONLY the disputed charges Citi insisted I pay for charges under investigation I did not pay that month and they issued a 30 day late to all bureaus and late fees The next month the investigation still wasn't completed and they sent a 60 day late to all XXXX bureaus Next month balance XXXX as the investigation was complete Citi removed the late fee Next month another fraud charge Disputed Citi issued a new card Did not pay fraud charges that that the fraud dept handled not the disputes Citi issued XXXX 30 day late to bureaus Investigation complete XXXX XXXX Citi supervisors XXXX they will remove derogatorys due to the misunderstanding and ill advised actions of the billing Department 8 months late Citi has refused to remove derogatories even after disputing the 2 30 day late and 1 60 day late with the credit bureau dispute department In addition this has caused my scores to plummet and been refuses credit line increases and denied new credit cards

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 2025-09-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: S & S Recovery, Inc.
State: TX

Complaint narrative:
This account is inaccurate and unverifiable. Due to the XXXX  data breach, I require strict compliance with Metro 2 and FCRA 1681c-2/1681c-3. Provide the original wet signature contract within XXXX business days or delete immediately under e-OSCAR compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
b'Paypal has stolen the money belonging to an artist I purchased from by keeping a case open indefinitelyXXXX XXXX XXXX XXXX  I contact artist to create a piece of artwork. On that same day, we sign a contract, I describe the artwork and I made the payment of XXXX XXXX XXXX XXXX XXXXFrom that date all the way to thXXXX XXXX XXXX XXXX XXXX received a lack of updates and communication, despite asking the artist on how the work is going. XXXX XXXX XXXX XXXX XXXX  I filed a chargeback through my XXXX XXXX  thinking it was a scam. I did not do it through Paypal because they have the tendency to stonewall or even put down the phone half way through. XXXX XXXX XXXX XXXX XXXX, the artist sends me the artwork, and it was surprisingly good, despite lack of communication. I immediately called my bank to reverse the chargeback I made. The bank closed the case, and sent me the letterXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFrom that day all the way to XXXX XXXX, paypal denies that the bank has contacted themXXXX XXXX XXXX XXXX XXXX  I call barclays for advice, and barclays advises me to send paypal the letter saying the case is closed. From that date until now, Paypal is arrogantly refusing to acknowledge the letter and is still keeping the case open and stonewalling me.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
Sequium has contacted me numerous times via phone calls. I have told them that I don't owe them anything. They have reported it the credit bureaus which has affected my credit score significantly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-26 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-26 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 am writing to formally dispute and demand the immediate removal of fraudulent accounts appearing on my TransUnion credit report, which have already been removed by XXXX  XXXX XXXX. I am a verified victim of identity theft due to a data breach, and these accounts were fraudulently opened in my name without 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

Company response to consumer: Closed with non-monetary relief