vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Request for Debt Validation under the FDCPA Dear Caine & Weiner I am writing in response to your letter XX/XX/XXXX, which I reviewed on XX/XX/XXXX regarding the alleged debt. I do not acknowledge this debt, and pursuant to under my rights under the Fair Debt Collection Practices Act Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide proper validation of this debt.

Please provide me with the following information : 1. The amount of the alleged debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A detailed statement or copy of any judgment.

4. Copies of any documents bearing my signature that support your claim ; 5. Verification that you are legally authorized to collect debts in my state ; 6. The name and address of the original creditor, if different from the current one.

Until this debt is validated, you must cease all collection activities, including reporting this debt to credit reporting agencies, per the FDCPA.

If you are unable to validate the debt, you must stop collection efforts and notify any credit reporting agencies to whom you've reported it to remove the information.

Please consider this letter as a formal dispute of the alleged debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MOHELA
State: GA

Complaint narrative:
I feel that Moheala, department of education, XXXX, XXXX, and XXXX  has mismanaged the amounts of my student loans. I was a victim of identity theft so alot of my information was exposed on the dark web for years now. Moheala has estimated that I now owe almost XXXX in student loan debt. A huge portion of this debt is not mine. The school I attended XXXXXXXX XXXX XXXXXXXX in XXXX, XXXX closed down abruptly with heads up and I feel that between the school, moheala, and identity theft everything in my life is now compromised. Therefore, I would like all of these loans removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Aldous & Associates, PLLC
State: LA

Complaint narrative:
Aldous and associates sent me an e-mail stating they were pausing their efforts on my account for XXXX  days to allow me time to gather information and continued to contact me multiple times via phone and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-18 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Carter-Young , Inc. regarding a previously disputed and resolved debt related to an apartment I vacated in XXXX. The landlord failed to fix a pre-existing issue I reported prior to moving out, and then attempted to charge me for it. 

On XX/XX/XXXX, I informed Carter-Young that under XXXX  XXXX XXXX ( XXXX ) ( a ), the landlord had 30 days to notify me of any damage claims. No such notice was provided. The charge was disputed with XXXX starting XX/XX/XXXX, and the account was removed from my credit report. 

Despite this, Carter-Young sent me an email on XX/XX/XXXX, attempting to offer a settlement on a debt that was already invalid and resolved. Their own email acknowledged my continued dispute, yet they are continuing to contact me in violation of FDCPA regulations. 

This is misleading and harassing behavior, especially considering the account is no longer reflected in my credit reports. I am requesting that Carter-Young be instructed to cease all contact and close this matter permanently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION XXXX ( 15 U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
I was in a car accident, XXXX XXXX paid off my loan to XXXX XXXX and they are having an issue with processing payments. They/ XXXX said its a Migration issue and the check hasnt been posted and they were sent the check in XX/XX/year>? XXXX XXXX has the tracking info on the check that it was received in XXXX but they are claiming it wasnt received until XX/XX/year>? 
This is causing phone calls about late payments and my credit rating getting impacted. 
T

hey told me they dont have ETA . Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-18 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: MD

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 MD XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> 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 explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-18 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:
b'"I sent a certified letter to Equifax XX/XX/XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The letter was received on XX/XX/XXXX. Equifax did not reply to my request I proceeded to send another letter dated XX/XX/XXXX which was also ignored. The account I am disputing is with bankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the reporting of an account by XXXX XXXX XXXX XXXX on my credit files with Equifax, Experian, and TransUnion. This account does not belong to me, and I am requesting that it be investigated and removed from all of my credit reports under the rights afforded to me by federal law. 

The reporting of this account constitutes a violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically : 15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681 ( a ) ( 2 ) This section establishes the importance of accurate credit reporting in maintaining fairness and the protection of consumers.

15 U.S.C. 1692c Under the FDCPA, debt collectors are prohibited from communicating with consumers in a manner that violates their privacy or causes undue harm.

15 U.S.C. 1692g I have not received a proper validation notice or proof of this alleged debt as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am filing this complaint regarding the ongoing presence of inaccurate personal identifiers on my credit file that are not associated with my identity and pose a risk of mixed credit file errors. 

My credit report currently shows : Misspelled name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX not my employers Old or unrelated addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FCRA 602 ( b ) mandates that reports maintain data only relevant to the individual and minimize inaccurate or outdated data. 

I have disputed this multiple times and received no relief. These identifiers do not match my application history or identity and may compromise my ability to obtain accurate credit offers. 

Please ensure these personal identifiers are removed and the bureaus are held accountable for continued inclusion. 

Sincerely, XXXX XXXX XXXX : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

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 2025-07-18 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:
XX/XX/year> I paid off my student loan debt in full, but then Mohela reversed my payment and said I still owed them money. 

I paid Mohela again on XX/XX/year> and Mohela refuses to accept my payment but Mohela is still charging me interest and ruining my XXXX XXXX. 

I need help. I just want to pay off my debt in full and be debt free.I have the money but Mohela won't let me pay them.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute the reporting of an account by XXXXXXXX XXXX XXXXXXXX on my credit reports with Equifax, Experian, and TransUnion. I affirm that this account does not belong to me, and I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in the immediate removal of this inaccurate information. 

This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1681e ( b ) Mandating credit reporting agencies to ensure maximum possible accuracy in the information they report.

15 U.S.C. 1681 ( a ) ( 2 ) Requiring fairness, impartiality, and respect for the consumers privacy in credit reporting.

15 U.S.C. 1692c Limiting certain types of communication and collection practices that violate consumer protections.

15 U.S.C. 1692g Requiring debt collectors to provide proper debt validation upon request, which I have not received in this case.

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