vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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:
I am submitting a formal complaint regarding fraudulent accounts that have been reported on my credit file. These accounts were not opened by me, and I have never authorized any transactions associated with them. They are clearly cases of identity theft. 

I believe this account is fraudulent and the result of identity theft due to unauthorized access or misuse of my personal information. I am a victim of a known data breach and did not engage in any transaction that would create this debt. I request investigation and deletion of this account from my credit report under the Fair Credit Reporting Act. I am enclosing documentation supporting my identity theft claim Despite disputing these accounts directly with the lenders and collection agencies, they have refused to remove the fraudulent entries.

This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that : 1. All information reported to consumer reporting agencies must be accurate and verifiable.

2. Consumer reporting agencies must investigate disputes within 30 days of receiving notice from a consumer regarding inaccurate information.

3. Any information that can not be verified as accurate must be removed from the credit report. 

I demand that the CFPB investigate this matter, compel the reporting agencies to remove all fraudulent accounts immediately, and prevent them from further damaging my credit. 

I am prepared to provide any supporting documentation required to verify this claim, including police reports or other relevant evidence, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
I am submitting a formal complaint regarding fraudulent accounts that have been reported on my credit file. These accounts were not opened by me, and I have never authorized any transactions associated with them. They are clearly cases of identity theft. 

I believe this account is fraudulent and the result of identity theft due to unauthorized access or misuse of my personal information. I am a victim of a known data breach and did not engage in any transaction that would create this debt. I request investigation and deletion of this account from my credit report under the Fair Credit Reporting Act. I am enclosing documentation supporting my identity theft claim Despite disputing these accounts directly with the lenders and collection agencies, they have refused to remove the fraudulent entries.

This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that : 1. All information reported to consumer reporting agencies must be accurate and verifiable.

2. Consumer reporting agencies must investigate disputes within 30 days of receiving notice from a consumer regarding inaccurate information.

3. Any information that can not be verified as accurate must be removed from the credit report. 

I demand that the CFPB investigate this matter, compel the reporting agencies to remove all fraudulent accounts immediately, and prevent them from further damaging my credit. 

I am prepared to provide any supporting documentation required to verify this claim, including police reports or other relevant evidence, upon request.

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 2025-12-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: KY

Complaint narrative:
I have a cash app I have a old one that I can't get in and have not use in yes I had someone send me money and didn't know I had a replacement account so it got sent to the one I can't access it's been 3 weeks and all they do is give me the run around in need my money this isn't right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
A full debt validation was requested on XX/XX/year>. In the attached file, you will find the request in full detail. No response was given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am formally requesting that this debt collector cease and desist all communication with me immediately regarding this alleged debt.

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), once this request is received, the collector may not contact me except to confirm compliance or to notify me of specific legal action. 

Despite my rights under federal law, this company has continued to contact me and/or has failed to respect my request to stop communication. 

I am requesting that the CFPB require this company to immediately stop all contact, confirm compliance in writing, and ensure that all future communications comply with federal law. 

This request does not acknowledge or admit liability for the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
I signed on with national debt relief to work with my creditors to lower my amounts or interest rates. After reviewing the terms and the program overall I was misled about particulars of this program. I requested to opt out of it and get my first payment back of {$370.00}. They say theyre going to deposit the money back in my account. Ive called them eight times and I get a different story every time and yet they have not refunded my payment as they promised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I am writing to formally dispute the inclusion of the following account on my credit report : Creditor : Midland Credit Management Account Number : XXXX  Status : Unverified Reason for Dispute This account appears on my credit report as Unverified. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or can not be verified. According to the FCRA, credit reporting agencies must conduct a reasonable investigation and remove any information that can not be verified within 30 days. 
Additionally, the FCRA ( 15 U.S.C. 1681e ( b ) ) requires that only accurate and verifiable information be reported. If an account is marked as unverified, it can not legally remain on my credit file. Reporting unverified information is a violation of my consumer rights under the FCRA. 
Furthermore, please be advised that failure by the credit bureaus or the reporting company to promptly remove this unverified account may result in legal action. Under the FCRA, consumers have the right to sue for damages if their rights are violated, including the continued reporting of unverifiable information. I reserve all rights to pursue legal remedies should this account not be deleted as required by law. 
Request for Immediate Removal Because this account is unverified, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to instruct the credit reporting agency to immediately remove this account from my credit report in compliance with the FCRA. Failure to do so is a violation of federal law and my consumer rights.

Applicable Laws 15 U.S.C. 1681i ( FCRA Section 611 ) : Requires reinvestigation of disputed information and removal of unverifiable accounts within 30 days. 
15 U.S.C. 1681e ( b ) : Mandates maximum possible accuracy of information reported. 

I respectfully request the immediate deletion of this unverified account from my credit report. Please provide written confirmation of the results of your investigation and the actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/year> Cash App took {$65.00} out of my account account and paid it to someone name XXXX XXXX I have gotten in touch with Cash App. I actually showed them proof of the situation that is going on back on XX/XX/year>. This person XXXX sent me {$65.00}. They told me to keep {$10.00} and send them back {$55.00} which I did. They didnt turn around and found a dispute with their bank and XXXX guessing Cash app agreed with them and just turn around and gave them {$65.00} out of my account without my knowledge they helped this person scam money from me and now its refusing to help me get my money back when they are the ones that took the money out of my account to give to this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
This CFPB complaint was also sent via certified mail to preserve notice and evidence ; its against XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I requested an investigation because theyre misrepresenting crucial information and trying to collect the wrong amount. I have disputed the amount and they refused to investigate it because it is correct for them. Theyve harassed me by text, phone, email. This last interaction by phone call on XX/XX/year> XXXX they stated They got me no matter what and that this would continue to be reported to the credit bureaus and affect my credit. This indeed has affected my life. This inaccurate reporting and collection activity has directly prevented me from securing housing, contributing to homelessness and severe emotional distress. This collection agency works for XXXX XXXX XXXX and I have tried to request the proper and Correct documentation from them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I recieved 5 fraudulent charges on XX/XX/year> to my venmo account for XXXX dollars each. I filed a dispute with XXXX  and was denied because I had previously funded a XXXX  account and they said this was grounds to deny my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Please conduct an investigation of these items, as required by the Fair Credit Reporting Act ( FCRA ), and remove or correct them as appropriate. Attached is a copy of my credit report highlighting the disputed entries, along with any supporting documentation that can assist in your investigation. 

Names : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX WA XXXX Accounts : 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 CARD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I noticed again this morning that inaccurate late payments are still listed on my credit reports, and this situation is causing me serious frustration. Nothing changed after refreshing the page, which makes this even more stressful. Because of this, I am urgently requesting a complete review of the documents I sent so this matter can be corrected immediately and permanently.

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 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My federal student loans were previously discharged under XXXX XXXX XXXX XXXX ( XXXX ) based on my XXXX XXXX status. After the discharge, I needed to restore my federal student loan eligibility so my school could originate new loans. 
On XX/XX/year>, I contacted my loan servicer, Nelnet, and specifically requested restoration of my federal student loan eligibility following the XXXX XXXX. During that interaction, Nelnet confirmed that my request was being worked on and that eligibility reinstatement was in process. 
Instead of restoring my eligibility, Nelnet processed an additional loan discharge. As a result, my Title IV eligibility remains blocked in the federal student aid systems, and my school is unable to originate federal student loans for me. 
I am not requesting additional forgiveness. This appears to be an administrative and servicing error where a discharge action was taken instead of a manual XXXX eligibility reinstatement. I attempted to resolve this directly with Nelnet, but the issue has not been corrected. 
This error has caused ongoing delays in my education and financial aid eligibility and requires correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
n 2024, XXXX began attempting to collect a balance on an account that was originally opened as a business account, not a personal consumer account. Because this was a commercial account, it should not be reported to consumer credit bureaus or sold for consumer debt collection. 

I attempted to resolve the matter directly with XXXX by sending several payment instruments and written correspondence requesting validation and proper reconciliation of the account. Instead of returning the instruments or providing validation, XXXX sent a form letter stating the payment was not acceptable but did not return anything I mailed to them. They also did not provide validation, itemization, or any documentation showing the debt was accurate or owed. 

Despite this unresolved dispute and lack of validation, the account was later assigned or sold to XXXX XXXX XXXX as a consumer debt and reported on my personal credit reports with incorrect information, including impossible future dates. This has created inaccurate reporting and financial harm. 

I am requesting the CFPB assist in : XXXX. Having this alleged debt removed from all consumer credit reports because it was a business account and is being misreported as personal. 
XXXX. Having Amsher cease collection activity until proper validation is provided. 
XXXX. Requiring XXXX to return the financial instruments they kept and provide a complete accounting. 
XXXX. Ensuring all inaccurate credit reporting is corrected or deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc.
State: IN

Complaint narrative:
For the past month they been taking money out my account that I have already paid back and everytime they overdraft my account I have emailed them numerous of times and I keep getting different answers I have all my bank statements where it was paid back and they even send me text messages saying my advance has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They, in fact, did not come from a 3rd party. I even called them to verify it was me and they still refused to process my disputes. I wasted time and money on mailing my disputes out. I sent personal information to verify my identity through mail just for them not to thoroughly investigate.

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 2025-12-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
Someone opened a XXXX account connecting it to my checking account and withdrew XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX from a new account I opened with the bank from a new checking account. I disputed the charges, so the money was put back in my account. I called XXXX because I got a debit card from them, and they say some one opened an account on XX/XX/XXXX with them with my social security and checking information. Changed my account # at the bank and XXXX days later they hacked that account. I have closed the account with XXXX and are opening a fraud case also.

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 2025-12-29 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: VA

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please delete. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with explanation