vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: PA

Complaint narrative:
am disputing a rental debt account reported by Professional Debt Mediation, originally from XXXX XXXX XXXX XXXX XXXXXXXX. The account shows a balance of {$1400.00} and was placed for collection on XX/XX/year>. I formally disputed this account with the collector, and it remains on my credit report with the status ACCT INFO DISPUTED BY CONSUMR, yet the balance and past-due status have not been corrected or verified. 

I have never been provided documentation proving that I owe this debt, including the original lease agreement, itemized charges, or any legally binding authorization to report it. The collectors reporting may be inaccurate, incomplete, and unverifiable, which violates FCRA 609, 623 ( a ) ( 5 ), and FDCPA 809 ( b ). 

Despite my dispute, the account remains active and continues to negatively impact my credit score. I request that this account be removed from all credit reporting agencies unless the collector can provide complete and verifiable documentation of the debt. 

Requested Resolution : Remove this account entirely from all credit reports unless verified with proper documentation. 
Provide written proof of the original lease agreement, itemized billing, and authorization to report the account if they claim it is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-14 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: FL

Complaint narrative:
This account is being reported inaccurately and does not meet the accuracy, completeness, or verifiability standards required by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Specifically : I have no contractual agreement with the reporting entity. 

Account : {$220.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX original signed agreement or verifiable account statements have been provided to substantiate this debt. 

Under FCRA 611 ( a ), you are required to conduct a reasonable investigation and remove or correct any information that can not be verified within 30 days of receipt of this notice. 

Provide a complete method of verification including the name, address, and telephone number of the furnisher of this information. 

Remove this inaccurate account from my credit report if the furnisher can not produce original, verifiable documentation proving the debt and its accuracy.

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 2025-08-14 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: Nelnet, Inc.
State: NY

Complaint narrative:
I have made five payments to Nelnet between XX/XX/year> and XX/XX/year> and only XXXX dollars have been applied to the almost {$100.00} accrued on the loan. In their terms and conditions, payments are to be applied to interest FIRST. Meaning my payments should clear out any interest accrued and start back at {$0.00}. Instead interest has been accruing and is growing bigger and bigger even after I make a payment covering the interest. I have emailed the company 3 times and I get a generic email response. I have a concern that this interest Nelnet does not allow me to pay off will be capitalized back onto the loan, then charge me interest on the interest I just tried to pay off, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ). 

Despite multiple disputes, the credit bureaus have failed to remove or correct inaccurate personal information and collection accounts on my credit file. These errors continue to damage my credit rating, and the bureaus have not provided the legally required verification of the disputed information. 

Disputed Items Incorrect personal information Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( XX/XX/XXXX ) Incorrect personal information Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XX/XX/XXXX ) Collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection account XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I have the right to a reinvestigation that includes actual verification of the disputed items. The bureaus have not : Provided the names and business addresses of the individuals contacted to verify these items Disclosed the date and method of communication with the furnishers Confirmed whether the furnishers provided my Social Security number, address, or date of birth as part of the verification process The responses I have received appear to be automated and not the result of a thorough reinvestigation as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
I received a call for the 1st time from a creditor claiming I have a XXXX XXXXccount! I reached out to them to ask them to verify that this account is my with an ID or signature. They could not provide my ID, they provided a contract that was e-sign with no signature, a card on file that I have never owned, a birthdate that is not mine, and email that was not mine. They refused to remove it, after they failed to provide valid confirmation and instead created a false document/contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
I am filing this complaint against XXXX  and the furnisher Caine & Weiner XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in relation to an {$85.00} collection account reported on my Equifax credit file. 

Account XXXX : XXXX : Caine & Weiner Company , Inc . 

Amount : {$85.00} XXXX XXXX : XXXX ( as listed by XXXX ) I dispute the accuracy and completeness of this account. Caine & Weiner has failed to provide required debt validation and has continued to report this account without verification, in violation of FDCPA 15 U.S.C. 1692g ( b ), which requires debt collectors to cease collection activity until validation is provided.

Additionally, under FDCPA 1692e ( 8 ), a debt collector is prohibited from reporting credit information which is known or should be known to be false, including the failure to communicate that a debt is disputed. I have disputed this account, yet it continues to appear on my XXXX  credit report without any notation of my dispute, in violation of this section. 

This conduct also violates the FCRA : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. 

FCRA 1681s-2 ( b ) Requires furnishers to conduct a reasonable investigation upon notice of a dispute from a CRA. 

FCRA 1681e ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 

Furthermore, Regulation F under the FDCPA ( 12 CFR 1006.34 ) requires debt collectors to provide a complete and accurate validation notice containing specific information about the debt, including itemization. Caine & Weiner has failed to provide such notice. 

Requested Resolution : Immediate deletion of the {$85.00} Caine & Weiner collection account from my XXXX  credit file. 

Written confirmation that Caine & Weiner will cease reporting the account unless they can provide full and complete validation as required by federal law. 

Investigation into whether XXXX reporting procedures comply with FCRA 1681e ( b ) when dealing with disputed collection accounts. 

I will attach : A copy of my current XXXX  credit report showing the account, This account continues to cause reputational and financial harm. I request immediate corrective action and confirmation of compliance with the FCRA, FDCPA, and Regulation F.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I called multiple times between XX/XX/XXXX and XXXX questioning why my account was closed and to review transactions to verify purchases, but they would not disclose any transactions. I could not access their mobile app to see any transactions, but the amount in dispute was around XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CT

Complaint narrative:
This letter is a formal dispute under the Fair Credit Reporting Act, 611, regarding inaccurate account information appearing in my credit report dated XX/XX/year>. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} Status : Charge Off Payment history and delinquency dates appear inaccurate and inconsistent with my records. In some months, no payment was made yet the account is reported as less delinquent than prior months, suggesting reporting errors. 

Under FCRA 611, you are required to conduct a reasonable reinvestigation of these disputed items. If the furnisher can not provide proper documentation proving the accuracy of this information, you must remove or correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This letter is a formal dispute under the Fair Credit Reporting Act, 611, regarding inaccurate account information appearing in my credit report dated XX/XX/year>. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} Status : Charge Off Payment history and delinquency dates appear inaccurate and inconsistent with my records. In some months, no payment was made yet the account is reported as less delinquent than prior months, suggesting reporting errors. 

Under FCRA 611, you are required to conduct a reasonable reinvestigation of these disputed items. If the furnisher can not provide proper documentation proving the accuracy of this information, you must remove or correct it.

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 2025-08-14 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: CT

Complaint narrative:
Re : Dispute of Duplicate/Erroneous Collection Accounts FCRA This letter is a formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( 611 ), regarding inaccurate and potentially duplicate collection entries reported by XXXX XXXX XXXX. 

My credit report dated XX/XX/XXXX, shows two separate accounts with similar details : XXXX. XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Balance {$1300.00} Opened XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX  These accounts appear to be duplicate, incorrectly reported, or inaccurately balanced. The balances, dates, and statuses are inconsistent, and there is no supporting documentation from the furnisher that these debts are valid, accurate, and belong to me. 

Under FCRA 623 ( a ) ( 1 ), data furnishers must report accurate information, and under 611, you are required to investigate and remove any unverifiable or inaccurate entries. If the furnisher can not provide verified documentation proving the accuracy of these accounts, they must be deleted immediately.

Please conduct a reinvestigation and provide me with the results within the 30-day period required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Re : Dispute of Duplicate/Erroneous Collection Accounts FCRA This letter is a formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( 611 ), regarding inaccurate and potentially duplicate collection entries reported by XXXX XXXX XXXX. 

My credit report dated XX/XX/XXXX, shows two separate accounts with similar details : XXXX. XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Balance {$1300.00} Opened XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX  These accounts appear to be duplicate, incorrectly reported, or inaccurately balanced. The balances, dates, and statuses are inconsistent, and there is no supporting documentation from the furnisher that these debts are valid, accurate, and belong to me. 

Under FCRA 623 ( a ) ( 1 ), data furnishers must report accurate information, and under 611, you are required to investigate and remove any unverifiable or inaccurate entries. If the furnisher can not provide verified documentation proving the accuracy of these accounts, they must be deleted immediately.

Please conduct a reinvestigation and provide me with the results within the 30-day period required by 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 2025-08-14 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OK

Complaint narrative:
So on XX/XX/XXXX, I was sending money to my daughter and then I was notified that she was almost at her limit so I sent her the amount of money that it would allow me to that was {$40.00} then I called her mom and said will you request {$260.00} from me so I can send you the rest as she did so on XX/XX/XXXX the money was not on her account. The money was gone from my account. My account is locked and has been locked for XXXX days, saying suspicious activity with no response to anything of why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
The addresses listed on my credit report are incorrect and should not be there. I have attached supporting documents to verify my correct information, and I am requesting that these inaccurate addresses be permanently removed from my file.

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 2025-08-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-14 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: Kriya Capital, LLC
State: GA

Complaint narrative:
Re : Fraudulent Accounts Request for Blocking Under FCRA 605B To Whom It May Concern : I am a XXXX XXXX XXXX XXXX The following accounts on my Experian credit report are not mine and were opened without my authorization : XXXX XXXX  XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Acct # XXXX Under the Fair Credit Reporting Act Section 605B, you are required to block these fraudulent accounts from my credit file within 4 business days. 

Enclosed : - Copy of my FTC Identity Theft Report - Police Report ( if available ) - Government-issued photo ID - Proof of address ( utility bill ) Please confirm in writing that these items have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Re : Fraudulent Accounts Request for Blocking Under FCRA XXXX To Whom It XXXX Concern : I am a victim of identity theft. The following accounts on my Experian credit report are not mine and were opened without my authorization : XXXX XXXX  XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Acct # XXXX Under the Fair Credit Reporting Act Section 605B, you are required to block these fraudulent accounts from my credit file within 4 business days. 

Enclosed : - Copy of my FTC Identity Theft Report - Police Report ( if available ) - Government-issued photo ID - Proof of address ( utility bill ) Please confirm in writing that these items have been removed.

Company response to consumer: Closed with explanation