vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
bankrupcy that did not occur should not be reported

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 2025-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TrueAccord Corp.
State: MI

Complaint narrative:
XX/XX/year> in the amount of {$3000.00} or more The company evicted me because of missed payment of rent in the amount of {$870.00} my lease was up in XXXX and I was evicted and sued for more than {$3000.00} A couple of months after being evicted I received a letter from the landlord stating that my credit would be at risk even more for not paying the eviction fees And now the eviction is on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Hello, I mailed notarized letters to LVNV Funding on XX/XX/year>, I have not received a response. This is my final attempt to resolve this issue before pursuing litigation with my attorney. Attached is an updated notice and my identity docs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute certain entries on my credit report as provided by the XXXX major credit bureaus : Equifax, Experian, and TransUnion. I kindly request that your office review and investigate the accuracy of the information below. I believe the accounts listed may contain errors, inaccuracies, or incomplete reporting, which I would like to be corrected.

Experian ( EX ) Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX Late Payment : 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 2025-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing EXPERIAN to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are 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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
I initiated a private arbitration proceeding against ASPEN COLLECCION pursuant to the arbitration clause contained in the original contract. However, the XXXX XXXX XXXX ( XXXX ) closed my case because the company failed to comply with the terms and obligations required to move forward with arbitration. 

This conduct constitutes a breach of contract and a serious violation of consumer protection laws. By refusing to participate in the arbitration process they themselves required under the agreement, aspen colleccion has acted in bad faith and deprived me of my right to a fair resolution as outlined in the contract. 

Additionally, this behavior reflects a pattern of unfair and deceptive practices, violating the Federal Arbitration Act ( FAA ) and potentially the Fair Credit Reporting Act ( FCRA ) if the company continues to report inaccurate or disputed information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: UT

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
Re : Credit Report Recently I looked at a copy of my credit report, and I noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

XXXX XXXXXXXX Account Number : XXXX Thank You

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 2025-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Good morning! 
I sent an email via the website of Eastern Account System ( EAS - XXXX XXXX XXXX XXXX, XXXX, CT XXXX - ( XXXX ) XXXX ), and also I called them and explained exactly what happened with XXXX and myself. 
XXXX scheduled a visit with a technician three ( 3 ) times to fix my internet and they never showed up those 3 times. I missed half-day of work in order to be available at home for the visit ( 3 times ). I called XXXX after that and they never took action to come up and resolve the problem. I stayed without internet for a week or more. I didn't have the option other than to cancel and start the service with another internet provider. I always had a bad customer service experience with XXXX. For that reason, I explained to Eastern Account System ( EAS ), that I was not going to pay for the service that I never received ; that's not fair. EAS just ignored the fact and sent the charge to collection. It's only {$100.00} and I still think that's not fair to pay and I will not pay for it. 
XXXX should send me credit for the time I spent waiting for the technician ( 3 times ). 
Now I have issues with my credit because of EAS and I want them to compensate me for my reputation in the market and losses for the bad credit. I count with CFPB to do justice in this case and I thank CFPB in advance for helping solve this problem. 
Thank you! 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: LA

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 2025-10-30 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 am reporting multiple fraudulent accounts that have been opened and reported under my name without my knowledge or consent. I have never applied for, authorized, or managed these accounts, which leads me to believe that I am a victim of identity theft. This is a serious violation that misrepresents my financial history and undermines the accuracy of my credit profile. I take my personal and financial security very seriously, and it is deeply concerning to see false information linked to my identity. I need to know how these accounts were added to my report and who is responsible for reporting them.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I traded in my XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX XXXX in XXXX, TX. 
At that point, my prior auto loan with XXXX XXXX  ( Account XXXX. XXXX ) was included in the dealers payoff transaction. I fulfilled my contractual obligations when I surrendered the vehicle on that date. 

However, XXXX XXXX  delayed processing the dealers payoff until XX/XX/XXXX, and issued a Paid in Full Letter on XX/XX/XXXX, acknowledging that the account was fully satisfied. 
Despite this, XXXX XXXX reported a 30-day late payment for XXXX XXXX to the credit bureaus ( XXXX XXXX XXXX XXXX XXXX. 

This late payment is factually inaccurate and misleading, since the delay in posting the payoff was caused by the dealers and XXXX internal processingnot by any missed or late payment on my part. 

This conduct violates : FCRA 623 ( a ) ( 1 ) ( A ) prohibition against reporting information known to be inaccurate. 

FCRA 623 ( a ) ( 2 ) duty to correct and update information that becomes inaccurate. 

TILA and UDAAP ( 12 U.S.C. 5531 ) prohibition against unfair or deceptive acts that cause consumer injury through administrative delay. 

Relevant case law includes : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Santander XXXX USA Inc., XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Both decisions establish that a creditor can not legally report a late payment once a trade-in payoff is initiated and the consumer has no control over the processing delay. 

I have attached supporting documents : Buyers Tag Receipt dated XX/XX/XXXX, confirming the trade-in. 

Paid in Full Letter dated XX/XX/XXXX, confirming payoff on XX/XX/XXXX. 

Credit report showing the inaccurate 30-day late entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint against Capital One for reporting an inaccurate late payment on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

Account Reported : CAPITAL ONE XXXX Date Opened : XX/XX/year> Balance : {$870.00} Reported as Late Payment. 

This late payment reporting is false and unverified. I have never been late on this account, and no supporting documentation has been provided to justify this negative mark. This violates FCRA 1681e ( b ) ( accuracy obligation ) and 1681i ( a ) ( duty to correct disputed information )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Citi Team, I recently applied for and was approved for a Citi XXXX XXXX credit card. After approval, I was instructed to send IRS Form 4506 for income verification, which I completed and submitted promptly. Your representatives confirmed receipt and told me my information was being processed. 

I even received an email stating that once verification was complete, my account block would be removed, my annual fee waived, and I would receive XXXX Citi points. The block was indeed removedindicating successful verificationbut soon after, my card was closed without warning. 

This closure has negatively affected my credit report, and I still see an annual fee balance associated with the closed account. I complied fully with Citis requests and expect fair treatment. 

Please review my case, reopen my account, or provide a clear and detailed explanation for this action.

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 monetary relief
Consumer complaint received 2025-10-30 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: CBC Companies, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Innovis for reporting and maintaining inaccurate, incomplete, and unverifiable information in my credit file, including tradelines and multiple hard inquiries that lack proof of authorization or permissible purpose. On XX/XX/year>, I submitted a formal dispute referencing FCRA 609 and 611, requesting verification and correction. Innovis has failed to demonstrate compliance with FCRA accuracy and reinvestigation standards, nor has it provided certified documentation from the original furnishers. The continued presence of unverifiable or misreported data violates FCRA 607 ( b ), 611 ( a ), and XXXX XXXX XXXX guidelines. I request a full reinvestigation and removal of any data that can not be 100 % verified with the original data source.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Since XX/XX/XXXX, I have been dealing with National Credit Systems to get the debt of {$4800.00} removed from my account. They claim it was charged off from the apartment complex I was at and that is what is owed but it is not. In fact, I shouldnt owe anything as the apartment was cleaned and no damages were done. I contacted the apartment complex ( XXXX XXXX XXXX ) on XX/XX/XXXX to discuss the matter and since new management came around since I left, they had to research. The woman on the phone had confirmed with me that what was owed doesnt equate to {$4800.00}. In fact, it shouldve been around {$1500.00} but she said they were not charging that since it was around the time XXXX was happening and they were giving everyone a break. She was not able to provide a receipt or statement of charges but if I need it, I will demand it to be obtained. If you go to the courthouse in XXXX XXXX XXXX you will see that this apartment complex has had many cases of them falsely reporting charges or adding unnecessary charges and it going into collections. I already sent a letter to National Credit Systems since XX/XX/XXXX to send me accurate information regarding this debt and that within 30 days with no reply, I would like it to be removed from my credit report immediately. I have tried to dispute with XXXX XXXX XXXX XXXX XXXX XXXX but they also claim it is accurate. I would like for you all to carefully and accurately do your research. Due to this debt collection, I am unable to move to another apartment complex because it shows I am not responsible with my finances. It is also drastically affecting my credit score and I am not able to get anything that can contribute towards my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-10-30 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: MS

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: FL

Complaint narrative:
This is my honest situation. I have been making payments on my student loans consistently since I was required to begin repayment. It has been a financial struggle for many years my total debt is very high, and despite paying for over 11 years, my loan balance has not gone down ; it has only increased. 
My current loan servicer is MOHELA, and before that, my loans were serviced by XXXX. Neither has shown any real intention to help me find a lasting solution they simply keep me paying for something that will never end. 
I can no longer manage this burden. My credit score is severely affected, and I can not qualify for credit cards, rent, or even basic services like a cell phone plan because of this debt. It feels like a trap that I can not escape. 
I am asking for your help to find a solution or any form of relief. I can not live under this financial and emotional stress any longer. Please help me find an option to make this right. 
Thank you for your time and understanding.

Company response to consumer: Closed with explanation