vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and I was a tenant at XXXX XXXX XXXX  located at XXXX XXXX XXXX, XXXX, GA XXXX for 8 to 9 years and paid my rent on time every single month. The owners of The XXXX XXXX at that time was XXXX XXXX XXXX. During this time I lived at XXXX XXXX XXXX  it was very difficult living there because I am an XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX violated my rights as a XXXX individual and refused to bring my apartment up to code and Provide Reasonable Accommodations for me according to The Americans with XXXX Act of XXXX. Because of their negligence my apartment became uninhabitable and had code violations along with about 95 % of the apartment units there on the property. In the month of XX/XX/XXXX, we the tenants filed a class action group Insurance claim against their Insurance company for the neglect of our units and uninhabitable living conditions. Not only were our units uninhabitable but our Account Ledgers contained errors and our rental payments were being stolen by the office staff and unaccounted for even though we had money order receipts to prove that our rents had been paid. After we filed our claim against XXXX XXXX XXXX, Within 15 to 30 days they sold the property to XXXXXXXX XXXX XXXXXXXX XXXX XXXX and changed the name from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. They were aware of the Counterclaim and Judgement Orders that I have against them as well as the other group of tenants as well. I am including documentation to the facts of what I have stated. XXXX XXXXXXXX XXXX XXXX sold and brokered my Personal Private Protected Information to a Third Party without my consent or knowledge. They are attempting to collect on a debt that is not owed and are attempting to circumvent a Judgement Order against them by purposely reporting a debt that doesn't exist.

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 2025-11-11 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:
I am disputing certain information being reported on my TransUnion credit report that appears to be inaccurate, outdated, or unverifiable. 

1. Charged-Off Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting that TransUnion verify these accounts directly with the original creditors. If any of these items can not be verified in full, I ask that they be promptly deleted from my report. 

2. Inquiry XXXX XXXX Date : XX/XX/XXXX I do not recall authorizing this inquiry. Please confirm whether it was made with my consent and under permissible purpose standards. If TransUnion can not confirm this, please remove it. 

3. Late Payment : XXXXXXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX I am disputing the accuracy of the reported late payments. Please verify directly with the lender and remove any unverifiable reporting. 

Thank you for investigating and ensuring that my credit report reflects only accurate and verified 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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This is not only a complaint but also a formal request for debt validation submitted to Credit Collection Services through the CFPB. I have attached my written request for validation, which specifies the documents required to lawfully verify the debt under the Fair Debt Collection Practices Act ( FDCPA ). These include the original signed contract, proof of ownership or assignment of the debt, the purchase agreement, and a full accounting of the balance claimed. I am submitting this request through the CFPB platform to ensure that Credit Collection Services receives it, is required to respond, and is held accountable under federal law. I trust that the CFPB will forward my attached letter along with this complaint to the company for their proper action. In addition, I request further information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : 1. ) The Date of First Delinquency ; 2. ) The date the account was charged off ; and 3. ) The date the account was acquired by or assigned to Credit Collection Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-11-11 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: MO

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Everest Receivable Services Inc.
State: IL

Complaint narrative:
Since XX/XX/year>, I have been receiving an unhealthy amount of SPAM calls. they call on different numbers every hour, past XXXX EVERY NIGHT. I called back a number that called, and got rudely hung up on 2 times and told to please hold. they would not disclose their company name to me. they have been calling FAMILY also that I do not even speak too. This is borderline harassment and is not ok.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BMO Harris Bank is reporting a negative account to XXXX under my name, but I was never notified, billed, or given payment instructions. I have repeatedly attempted to contact XXXX to resolve or pay the alleged balance. Every official recovery or customer service email ( XXXX, XXXX, etc. ) bounces back with 550 User Unknown errors, proving their contact channels are nonfunctional. 

I have also attempted to call their support numbers and visit the Ombudsman and Executive Response pages listed on their website, but no valid response or contact path exists. I am trying in good faith to settle this so my banking record can be cleared. Because BMO is unresponsive and unreachable, the negative XXXX record is preventing me from opening any personal bank account, despite my willingness to pay or validate any legitimate debt. 

I am requesting that CFPB intervene to ( 1 ) require BMO to provide documentation proving this account exists, ( 2 ) provide a valid way to pay or settle it, and ( 3 ) ensure XXXX updates or deletes the record once payment or proof is complete.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Transunion and equifax are reporting accounts that are XXXX XXXX XXXX or more as current accounts and delinquencies are reported causing me to be declined new credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-11 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL

Complaint narrative:
On XX/XX/year>, I paid a balance of {$10000.00} to Weltman , Weinberg & Reis Co., LPA to satisfy a XXXX XXXXXXXX XXXX judgment . I received an official letter 2days later from Weltman dated XX/XX/year>, offering to settle the same account for {$4800.00} if payment was made by XX/XX/year>. 

After I questioned the discrepancy, Weltman stated that the settlement letter was sent to me in error and claimed it was meant for another consumer. Despite my written request for documentation and explanation, they have provided no proof or assurance that my account information was not mixed with another consumers, nor have they addressed the error in writing beyond a general statement. 

This situation raises serious concerns about false representation, data accuracy, and record handling by the debt collector. The company accepted a full payment but issued a conflicting settlement offer the same day, creating confusion and potential financial harm. I am requesting that the CFPB review this matter and ensure proper accountability, written clarification, and correction of any internal or data handling errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: eCon Credit LP
State: FL

Complaint narrative:
I am submitting this complaint concerning an inaccurately reported collection account by NATIONWIDE ( Account ending in XXXXXXXX XXXX XXXX ), showing a high balance of {$1400.00} and an open date of XX/XX/year>. 

I have no knowledge of this account and have never opened, authorized, or received any notice related to this alleged debt. The appearance of this collection account on my credit report is false, unverifiable, and misleading. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, debt collectors and furnishers must report only accurate and verifiable information. They must also provide full validation of any alleged debt upon request. To date, NATIONWIDE has failed to provide any proof or documentation connecting me to this account. 

Despite previous disputes submitted to the credit bureaus, this account continues to be reported inaccurately. I am therefore escalating this issue to the Consumer Financial Protection Bureau ( CFPB ) to ensure that a proper investigation and enforcement action take place. 

I am requesting that NATIONWIDE provide complete and verifiable proof of the alleged debt, including any signed agreements or account records. If no such documentation exists, this collection account must be immediately deleted from all credit bureaus to correct the inaccuracy.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-11 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: AL

Complaint narrative:
I am writing to formally dispute several entries on my credit report, which I believe are inaccurate and should be removed or corrected in accordance with the Fair Credit Reporting Act ( FCRA ). The following items have been flagged as charge-offs or collections, and I request that you investigate these claims : 1. XXXX XXXX Account status is marked as Charge-Off, with an unpaid balance of {$1200.00}. 
2. XXXX XXXXXXXX XXXX  Account status reported as Charge-Off, unpaid balance {$1500.00}. 
3. XXXX XXXX Account status Charge-Off, unpaid balance of {$1300.00}. 
4. XXXX XXXX XXXX Account with an unpaid balance of {$1200.00}, marked as Charge-Off.

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 2025-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
I am a legally approved XXXX in the United States with indefinite lawful status, Social Security Number, and work authorization. SoFi Bank denied my application for an investment account because I do not hold a XXXX or XXXX XXXX XXXX. Their representative confirmed in writing that they only accept specific XXXX types, excluding XXXX. This constitutes discrimination based on lawful immigration status, which violates the Equal Credit Opportunity Act ( ECOA ). I request that the CFPB investigate this policy and ensure that SoFi provides equal access to lawful residents, including XXXX.

Company response to consumer: Closed with explanation