vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to get credit. They are being reported by unknown 3rd parties. Please apply any XXXX XXXX consumer laws concerning these collections. They are grounds for deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
I am submitting this complaint with complete certainty and deep frustration over the numerous errors on my credit report. These inaccuracies have severely harmed my credit score and quality of life, preventing me from achieving financial stability and independence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: IN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. 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 seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I am filing this complaint regarding inaccurate and harmful credit reporting by Nelnet concerning my federal student loans. 

In early XX/XX/XXXX, Nelnet reported 30-, 60-, and 90-day late payments to my credit reports without any prior notice or communication. This reporting appears to be part of the well-documented misreporting incident that affected multiple Nelnet borrowers earlier this year.

At no time prior to the negative reporting did I receive any correspondence from Nelnet indicating that my account was delinquent, nor was I given an opportunity to resolve any alleged past-due balance before derogatory marks were placed on my credit file. 

As soon as I became aware of the reported delinquency, ( on XX/XX/XXXX I was alerted to by credit monitoring services ) I immediately contacted Nelnet, paid the past-due balance in full ( on XX/XX/XXXX the payment posted for {$1700.00} ), and have not missed a payment since. On a monthly basis I pay {$340.00} on time to the Department of Education. Despite this, the 30-, 60-, and 90-day late marks remain on my credit reports with Equifax, Experian, and TransUnion , causing significant harm to my credit standing.

I have attached supporting documentation, including my payment history from my personal bank account, credit report excerpts showing the negative reporting and the XXXX credit monitoring notifications that I received to corroborate the dates mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ 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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-15 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Request for Deletion of Inaccurate Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX XXXX : XXXX XX/XX/year> Dear Consumer Agency, I am writing to formally request the deletion of inaccurate personal information in my file, specifically incorrect addresses and misspelled or incorrect names that are either not mine or are inaccurate. This incorrect information is causing confusion and must be corrected immediately to reflect the truth. 

Heres my CORRECT personal information : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Incorrect Information Transunion : XXXX XXXX AV XXXX YRS XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Experian : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Equifax : XXXX XXXX XXXX XXXX XXXX, IL XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous information. 

Please confirm in writing that these changes have been made and provide me with an updated copy of my file showing the corrections. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: NY

Complaint narrative:
Dear Staff : XXXX, how are you doing? Today at around XXXX, I received the call from number : XXXX, hung up at the beginning. I call back later, then the caller states calling from ProCollect, and stating I have been charge for a rental debt, which the location in XXXX, Wisconsin, with Zip code XXXX. I have never been to that place or having any so call the rental debt. The caller has my name and the phone number, I inform the caller this is fraud and the caller refuse to remove my information in there system, and require me to call the police and get the police report, and email them along with my ID, which I have more concerning on leaking information. And the caller provides me a case number : XXXX. 
I am not sure how my information was leaked or stolen, so I was trying to submit a fraud report in the https : XXXX website, but it guide me here so I am submitting this complaint here. I am concerning my information is being misused not only in this company, but also in some where else. Please help me or give me some advise so I can better protect my information. Thank you so much in advanced. Have a great day.

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 2025-08-15 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: TX

Complaint narrative:
This late payment report is inaccurate and not indicative of my payment habits. I request its removal following investigation.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, ( XXXX ) XXXX, ( Date of Birth ) XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Bureaus Name ) 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 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

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 ( FTC Number ) XXXX 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 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 2025-08-15 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and there were fraudulent accounts being reported this is affecting my ability to obtain credit.

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 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Legal Notice & Demand to Cure I am in receipt of your correspondence regarding the alleged Retail Installment Contract associated with a XXXX  XXXX XXXX. I hereby reject your determination as baseless, fraudulent, and in continued violation of federal law. Your refusal to delete this unlawful account reporting constitutes knowing and willful misconduct. 

Be advised, you are in violation of the following federal statutes : 15 U.S.C. 1692e ( FDCPA ) False, deceptive and misleading credit collection practices 15 U.S.C. 1681s-2 ( b ) ( FCRA ) Failure to conduct a lawful investigation and correct inaccurate or unverifiable information 15 U.S.C. 1692g ( b ) ( Validation of debts ) Failure to provide full validation, including lawful wet-ink contract, transfer of rights, and accounting per GAAP 18 U.S.C. 1344 & 1341 Bank and mail fraud for attempting to collect on an abandoned asset while reporting false tradeline data to the credit agencies Fair Credit Billing Act ( 12 CFR 1026.12 ) Illegally attempting to enforce a financial instrument absent mutual performance or collateral You deliberately admit that : 1. You never retrieved the collateral, abandoned the vehicle, and suffered no provable loss.

2. You can not produce a lawfully perfected security interest nor a wet-ink contract showing assignment and ownership, meaning you have no standing to collect or report any balance.

3. You knowingly continue to publish derogatory credit data falsely labeling the account 180+ days past due thereby damaging my estate, trust, and consumer credit file without any contractual nexus or loss.

This is your FINAL opportunity to cure : You are hereby given 5 business days from receipt of this notice to : 1. DELETE the fraudulent Credit Acceptance tradeline from all consumer reporting agencies ( XXXX XXXX XXXX XXXX XXXX XXXX Cease and desist all collection activity under threat of suit XXXX. Provide written confirmation of tradeline deletion Failure to comply will result in the immediate filing of a federal civil suit, including : Actual & statutory damages under 15 U.S.C. 1681n, 1681o, 1692k Punitive damages for willful noncompliance Attorneys fees & injunctive relief Referral to the U.S. Attorney General for criminal investigation and prosecution Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX Secured Party Creditor XXXX XXXX XXXX All Rights Reserved, Without Prejudice U.C.C. 1-308 / 1-103.6

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 2025-08-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 The accounts that are included in my attachments and are seen on 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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Date : XX/XX/year> Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Dispute of Capital One Charge-Off Reporting Request for Investigation Account Name : CAPITAL ONE Account Number : [ Insert Full or Partial Account Number ] Reported Balance : {$2800.00} Balance Date : XX/XX/year> To Whom It XXXX Concern : I am writing to formally dispute the accuracy of the account information reported by Capital One on my XXXX  credit report. According to the report updated on XX/XX/year>, this account is being reported as a Charge-Off with a balance of {$2800.00}, with the status date listed as XX/XX/year>. 

I believe this reporting is inaccurate and/or incomplete for the following reasons : I have not received complete documentation from Capital One verifying the debt, the charge-off date, or the balance claimed. 

The reporting may contain errors in status, balance, or date that do not comply with the Fair Credit Reporting Act ( FCRA ) requirements for accuracy and completeness. 

In accordance with the FCRA, Section 611, I am requesting that Experian : Conduct a thorough investigation into this account. 

Request full validation and verification of the alleged debt from Capital One. 

Provide me with all documentation and records used to verify the accuracy of this account. 

Delete or correct any information found to be inaccurate or unverifiable. 

Company details from the credit report : Capital One XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Please complete the investigation within the 30-day statutory period and send me an updated copy of my credit report reflecting any changes made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX - SSN : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the XXXX  XXXX XXXX  XXXX Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 


XXXXXXXX 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 XXXX XXXX XXXX XXXX 


Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ).

Proof of address ( e.g., utility bill ).

A signed affidavit of identity theft ( if required ) - And my Social Card.

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with federal law. 

Thank you very much for your immediate attention to this urgent matter. 



XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
I want to make it clear that this complaint is not a mistake. My credit report contains inaccuracies that can not be verified with the highest degree of accuracy. These errors continue to weigh heavily on me and are having serious negative effects on my life. In these challenging times, correcting or removing them would provide meaningful relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
Hi, I am seeking help to have unauthorized accounts removed from my credit file. I did not authorize or open them, and I wasnt notified of their addition. In line with USC 1681g, I request their removal within 15 days. Relevant documents are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: AL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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