vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Date : XX/XX/year>2024 Account Info : Account Number : XXXX Original Creditor : XXXX  XXXX XXXX 
Current Creditor : Portfolio Recovery Associates , LLC Balance : {$600.00} PRAs Response : They received your dispute and claim to have completed an investigation. 
They assert that they have verified the debts validity using documentation from the seller ( XXXX XXXX ). 
They deny any inaccuracies in the information theyve reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-16 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: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 non-monetary relief
Consumer complaint received 2025-07-16 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: PA

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$3600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$3200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$580.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$460.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1900.00} INQUIRIES : XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX  Date : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
I did not open these fraudulent accounts and had no knowledge of them. I kindly request their removal from my credit report within 15 days under USC 1681g. Relevant documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MD

Complaint narrative:
I am submitting this formal complaint against Experian for reporting unauthorized hard inquiries on my credit report that I did not initiate, authorize, or consent to. These inquiries are damaging to my credit score and have appeared without any legal or permissible purpose. 

Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX did not apply for any credit, mortgage, or financial services from these entities on or around the dates listed. I have no account with these companies, and I did not authorize any inquiry into my credit file. 

Violations Involved : Experian has violated multiple provisions under the Fair Credit Reporting Act ( FCRA ), including : FCRA 604 ( a ) ( 3 ) : Requires a permissible purpose before any party may access a consumer credit file. No such purpose exists in my case.

FCRA 607 ( a ) : Obligates Experian to maintain procedures to avoid unauthorized access and ensure the accuracy of consumer reports.

FCRA 611 ( a ) : Gives me the right to dispute inaccurate or unauthorized items and requires a reasonable investigation by the bureau.

Despite my dispute, Experian has failed to properly investigate and remove these inquiries, which continues to cause me harm.

Harm Experienced : Due to these unauthorized inquiries, my credit score has been negatively impacted. This is affecting my financial opportunities and creating undue stress, especially since I work hard to maintain good credit and have no control over these unauthorized pulls.

Resolution Requested : I am requesting that the CFPB investigate Experians failure to uphold federal laws and require them to : Immediately delete the above-mentioned unauthorized inquiries from my Experian credit report.

Provide a written explanation and confirmation of the removals.

Review and update their inquiry reporting procedures to prevent future violations.

Declaration : I affirm that the information provided is true and accurate to the best of my knowledge and respectfully request the CFPBs assistance in resolving this matter.

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 2025-07-16 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I checked my credit report and noticed an account under the name Comenity Capital/XXXX was being reported and was charged off. It has been negatively affecting my credit report and my credit worthiness. I spoke with customer service about this account, because the account is being reported under the name XXXX XXXX XXXX, however my name is XXXX XXXX XXXX. This account is inaccurate and is fraudulent. I never opened this account. Ive spoke with Comenity Capital to notify them this account was fraudulently opened on XX/XX/year>. I spoke with XXXX XXXX XX/XX/year> and notified them of this and opened a dispute. However I was told that I need to submit a FTC report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
A STUDENT LOAN COMPANY REPORTED ME THAT MY ACCOUNT WAS 60 DAYS PAST DUE WHICH IS NOT TRUE!! XXXX XXXX AT THE TIME PUT A HOLD TO ALL STUDENT LOANS! ONTOP OF THAT, I CONTACTED THE COMPANY AND HAVE PROOF OF THEM TELLING ME THEY NEVER HAD MY CORRECT CONTACT INFORMATION, THEY DIDN'T HAVE MY NUMBER, ADDRESS, EMAIL OR ANY WAY OF CONTACTING ME TO INFORM ME MY BALACE. I SENT THEM 2 WRITTEN LETTERS IN THE MAIL EXPLAINING THIS AND PROVIDED THE PROOF I HAVE OF THERE WORKER TELLING ME THEY DIDN'T HAVE MY CONTACT INFO. STILL NOTHING HAS BEEN DONE AND ITS STILL ON MY REPORT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7900.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

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 2025-07-16 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXXXXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Starmark Financial LLC
State: MO

Complaint narrative:
I have not established any business relationships with Starmark Fincial LLC company, and they have been persistently reaching out to me via telephone. I am often tasked with managing my phone calls, even while I am at work. This company has even gone so far as to contact my employer, which I believe is beyond appropriate. It has been extremely stressful having to deal with numerous phone calls. My phone rings constantly, and I keep rushing to answer my phone calls because I am unable to know when family or my Job is calling me.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: NC

Complaint narrative:
I disputed the information on the FTC complaint as it appears on my credit profile. I requested them to validate the debt to prove it belongs to me XXXX XXXX and if the debt could not be validated I would like for the debt to be removed from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
Please assist me in launching an investigation into these accounts, as they are reflecting incorrect information on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. Ive enclosed the relevant documents for your consideration. It is also important to note that the account data is inconsistent and inaccurate across the different credit bureaus.

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 2025-07-16 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: MD

Complaint narrative:
I am submitting this complaint against Equifax for reporting a hard inquiry on my credit report from XXXX on XX/XX/year> that I did not authorize. I did not apply for credit, services, or any form of account that would justify this inquiry. Therefore, its presence on my credit report is illegal and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Unauthorized Inquiry : Company Name : XXXX Date of Inquiry : XX/XX/year> Credit Bureau Involved : Equifax FCRA Violations Committed by Equifax : FCRA 604 ( a ) ( 3 ) : No permissible purpose existed for this credit pull. I did not apply for any product or service that would allow XXXX to access my report. 

FCRA 607 ( a ) : Equifax has failed to follow reasonable procedures to assure that inquiries are only made with proper authorization.

FCRA 611 ( a ) : I exercised my right to dispute this inquiry, but Equifax did not investigate or remove the entry as required by law. 

Harm Experienced : This unauthorized inquiry has negatively impacted my credit score and created emotional and financial stress. I take my credit profile very seriously and work hard to protect it. This kind of negligent reporting has affected my peace of mind and could impact my ability to qualify for loans or financial products.

Resolution Requested : I request the CFPB to investigate Equifaxs failure to comply with federal regulations and demand that : The unauthorized XXXX inquiry be permanently removed from my credit report. 

Equifax be required to provide a formal written explanation and proof of permissible purpose ( if any ). 

Equifax improve its procedures to prevent future unauthorized access to consumer reports. 

Declaration : I affirm that the above information is true and correct to the best of my knowledge, and I respectfully ask for your assistance in enforcing my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXXXXXX XXXX  XXXX -credit card-opened in XX/XX/XXXX XXXX XXXX XXXX XXXXauto loan-opened in XX/XX/XXXXXXXX XXXX XXXX XXXX-Unsecured loan-opened in XX/XX/XXXX And the following inquiries were also never authorized by me and are fraud too : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX These items were added to my credit report 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 non-monetary relief
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
To Whom It May Concern, In XXXX of XXXX, my loans were placed into forbearance due to the ongoing SAVE plan legal challenges. I have been diligently checking the status of my loans ever since then ; I did not want to miss any important information. I log into my account on MOHELA at least once a month to confirm that my loans continue to be in forbearance and that no payments are owed. I have a letter from MOHELA dated XX/XX/XXXX that confirms that my loans were in forbearance and no amount was due. MOHELA now claims that the letter does not say what it says and that I was to XXXX that the letter meant something else. Below is a timeline for my interactions thus far with MOHELA. 

On Monday, XX/XX/XXXX, I logged into my account to submit a PSLF buyback request. At that time, my loans remained in forbearance with no payment due. 

Today, XX/XX/XXXX, I logged into my account and to my dismay, the account shows that my loans are five months past due. I immediately called MOHELA because surely this must be a glitch or a mistake. After nearly an hour of navigating their confusing and frustrating phone tree, I finally reached a real person. After a XXXX conversation, during which time I was placed on hold at least a dozen times, the representative told me that their system confirmed that my loans had been taken off forbearance in XX/XX/XXXX. I never received any communication of this. In fact, I have communication confirming the exact opposite. 

I relayed the information about the XX/XX/XXXX letter to the MOHELA representative who told me that the letter was simply informing me that the loans had a 0 % interest rate - even though there is explicit language at several points through the letter confirming the forbearance status. To add insult to injury, the representative also told me that the five-month delinquency would, in fact, be detrimental to my credit. I attempted to escalate to a supervisor at MOHELA and was placed in a call-back queue that can take up to XXXX business days. 

As you can imagine, I am extremely frustrated and angry. Ive been doing everything I can to be responsible and manage these loans. Through no fault of my own, Im now being penalized due to shady business practices on the part of MOHELA. I ask you to please look into this and help those of us that are victims of this incompetence. 

I appreciate your time and look forward to hearing from you.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am filing this complaint regarding an unauthorized account on my credit file by Midland Credit Management. This account listed as XXXX with a balance of {$2000.00}, appeared on my credit report on XX/XX/year>. I did not open this account nor have I ever signed a contract or agreement with Midland Credit Management. I have also filed an Identity Theft Report with identitytheft.gov. I request that Midland Credit Management provide proof of a signed contract for this account. If no such contract exists, I demand the immediate removal of this account from my credit report and an investigation into Midland Credit Management reporting practices. Attached are my credit report, and Identity Theft Report. Please contact me for further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Bitstamp USA, Inc.
State: GA

Complaint narrative:
I bought bitcoin and tried to send it to my crypto wallet and the company said that they needed to complete a know your customer before they could let me send it. I have been working on this since XX/XX/year>. No results yet. I have asked them to let me sell my bitcoin and close my account, they still haven't responded to me yet. All I want to do is sell my bitcoin and close my account with Bitstamp.

Company response to consumer: Untimely response