vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. XXXXc-2 ) that you, the XXXX XXXX XXXX XXXX , 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 : 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 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 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 ( XXXX ) as 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 2025-07-17 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : $ XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$30000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-07-17 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: FL

Complaint narrative:
I was told by a representative at Santander XXXX  USA that if I made a partial payment on my account that it would reset my days and the balance would be added to next months payment and reset the 30 days, without reporting as late. However, when I reviewed my credit report when attempting to buy a home, it showed a late payment for XX/XX/year> with XXXX  only and a late payment for XX/XX/year> on all three bureaus. I contacted Santander and they proceeded to tell me that XXXX is not late, that was a mistake, however, the credit department refused to correct it so far. In reference to XXXX they tried to argue with me that it was late until I had them pull up what their representative stated about partial payments and the 30 days resetting. I made a payment both in XXXX and XXXX both under 30 days, yet they have incorrectly reported on my credit report. The worst part is they say I have to wait another XXXX hours for someone to review and make a decision as to whether they will change it, even though they acknowledge I am correct. I will also be seeking legal representation if my report is not corrected ASAP because they have halted my chances of buying a home and ruined my score!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I USED AFFIRM PAY NOW PAY LATER FOR PURCHASES MADE IN THE MONTH OF XX/XX/year> THEY LOCKED MY ACCOUNT STATING FRAUDULENT ACTIVITY WHICH THEY REQUESTED PROPER ID WHICH I HAVE SENT FRONT AND BACK COPY OF DRIVERS LICENSE ANS ALSO TOOK A REAL TIME PHOTO ON WITH A LINK THAT SENT OVER FROM AFFIRM AS REQUESTED.AS I AM STATING I ACKNOWLEDGE ALL THE CHARGES NOTHING IS IN DISPUTE. I AM UNABLE TO MAKE PAYMENT S ON MY ACCOUNT BECAUSE EVERYTIME I CALL THEY SAY IS LOCK AND ONLINE ACCOUNT IS LOCKED, THEY REFUSED TO HELP ME, I REPORTED A DISPUTE TO CREDIT REPORTING XXXX  MUTIPLE TIMES. THEY HAVE ME PAST DUE ON MY REPORT. MY CONCERN IS HOW CAN YOU REPORT ME PAST DUE IF I AM UNABLE TO ACCESS MY ACCOUNT TO MAKE PAYMENTS? I WANT THIS RESOVLED ASAP. IF NEEDED I WILL GET ATTORNEY. PLEASE HELP IN THIS MATTER. I WANT THOSE PAST DUE REMARK FROM AFFRIM OFF UNTIL THEY GIVE ME ACCESS TO MY ACCOUNT TO MAKE PAYMENTS.. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against US DEPT OF ED/XXXXACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education . 
1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
I am requesting the immediate and permanent removal of all the fraudulent accounts and unauthorized inquiries listed below from my credit report. These entries were not authorized or opened by me and are the result of identity theft. I have already submitted all required documentation, including my FTC Identity Theft Report, photo ID, Social Security card, and proof of address. 

Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency and/or data furnishers are legally obligated to take the following actions : Delete all fraudulent accounts and inquiries listed below 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  Block all identity theftrelated information within 4 business days, per 15 U.S.C. 1681c2. 

Provide a corrected and updated copy of my credit report reflecting all deletions. 

Send written confirmation of all actions taken. 

If these requests are not completed within the legally required timeframes, I will escalate this matter by filing formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Office of the Attorney General in both my state and yours I also reserve the right to pursue legal action under FCRA 616, which allows for statutory damages of up to {$1000.00} per violation, as well as attorneys fees and other damages. 

A fair resolution is for these items to be permanently removed, blocked from future reporting, and for me to receive written confirmation and a clean credit report within the legal timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: NJ

Complaint narrative:
I am filing a formal complaint against a debt collection agency that has reported a collection account ( CENTRAL PORTFOLIO CONT, Account # : XXXX ) to XXXX XXXX XXXX without any proper notice, communication, or validation. I was never contacted by this company before seeing the account on my credit reports, and I do not recognize this debt. I have never opened any account with this company, and I fully deny owing this debt. They never sent me a validation notice, never gave me a chance to dispute the claim, and never provided any documentation showing that this debt is legitimate or that they have the right to collect or report it. This is a clear violation of 12 CFR 1006.34 under Regulation F, which requires debt collectors to send a written notice with key details, including the name of the original creditor, the amount owed, and a statement of the consumers rights. Reporting this debt to all credit bureaus without giving me any opportunity to respond violates 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Furnishers are not allowed to report accounts without first providing the required disclosures and a fair chance to dispute. The fact that this collection account suddenly appeared across major credit bureaus without any contact or consent from me is unacceptable. I never authorized this company to access or report anything about me, and I never agreed to any account or contract. This reporting is false, misleading, and damaging to my credit. I am requesting that the CFPB investigate this matter and require the company to delete this unverified and unauthorized tradeline from all consumer reporting agencies immediately. If they intend to continue reporting or attempting to collect, they must be compelled to provide full and complete validation, including the original signed agreement and documentation proving their legal authority. If this issue is not resolved, I am prepared to take legal action under 15 U.S.C. 1681o for damages resulting from negligent or willful noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NY

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$13000.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
when i was young my identity was compromised in a data breach, i had accounts, wrong address, and wrong employment and inquireries on my report i did not have any knowldege of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
I am writing to dispute a false claim made by [ Blitt & Gaines, P.C. ] regarding the service of legal documents related to account number [ XXXX ]. 

The debt collector has stated that they served documents to my residence at [ XXXX XXXX XXXX XXXX, XXXX, MO XXXX ], but this is not true because I never lived there. I have a XXXX  camera installed at my residence that records all activity at the door, and the footage clearly shows that no one from the debt collector has come to serve me or deliver any documents. 

Despite this, the debt collector continues to falsely claim they have properly served me, which I believe is a deceptive and unfair practice under the Fair Debt Collection Practices Act ( FDCPA ). 

I request that the CFPB investigate this matter and require the debt collector to provide legitimate proof of service, including the date, time, and method of delivery. Until proper service can be verified, I ask that all collection activities cease. 

Blitt & Gaines, P.C. claims in their Certificate of Service that I was served by mail. I dispute this. I never received any such mailing neither by certified mail, regular mail, nor in person. I have a XXXX camera at my residence which shows no delivery attempts on or around the date they claim. Additionally, I regularly monitor my mail and have no record of receiving the documents they allege were sent. 

As a result of this false or failed service, a judgment was entered and my wages are now being garnished all without my opportunity to defend myself in court. 

This constitutes a violation of due process and deceptive collection activity under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover redit card charged off on my bankruptcy which was included in the bankruptcy They are still collecting on the account high interest rates iam struggling to pay them every month, the interest is to high please contact this company so that they can lower the interest rate on this account or remove them from my credit report because the debt has already been paid when they charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Dear CFPB, I am writing to you as a citizen protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b, to formally request an immediate investigation and the removal of unauthorized credit inquiries currently appearing on my credit report provided by TransUnion.

According to the FCRA, a credit inquiry may only be made with my explicit consent and for a permissible purpose, such as a credit application, employment, rental, or other clearly established reasons. However, I have identified the following inquiries that I do not recognize, did not authorize, and have no business relationship with the listed entities : XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX Finance ) XX/XX/XXXX I am exercising my right under the FCRA to dispute these unauthorized inquiries, as their presence on my credit history can negatively impact my credit score and financial reputation without valid cause. I also request an investigation to determine whether these inquiries resulted from improper practices or unlawful access to my credit information.

I respectfully request that these inquiries be removed immediately if found to be unauthorized under the law. I also ask that you inform me of the results of your investigation in accordance with your established procedures.

Thank you for your attention to this matter. I remain available for any updates or additional information you may require.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NV

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. XXXX refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance.

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NV

Complaint narrative:
Complaint Regarding IQ Data XXXX  Reporting an Unvalidated Debt To : Consumer Financial Protection Bureau ( CFPB ) Dear CFPB, I am writing to file a formal complaint against IQ Data XXXX XXXX XXXX for reporting an account on my credit report that has

not been legally validated as required by federal law. IQ Data has placed a collection account on my credit report. However, I have never received any proper notice of thi
s alleged debt, and they have failed to provide me with validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g. 

According to the FDCPA, within five days of the initial communication, a debt collector must provide the consumer with a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer disputes the validity of the debt within 30 days, the debt will be assumed valid ; A statement that if the consumer notifies the collector in writing within the 30-day period that the debt is disputed, the collector must obtain verification of the debt and mail it to the consumer.

I made a timely request for debt validation, yet IQ Data failed to respond or provide any evidence, including a contract bearing my signature or any itemized billing. Despite this, they continue to report the alleged debt to the credit bureaus, which constitutes continued collection activity without proper validation, a direct violation of the FDCPA. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2, a data furnisher like IQ Data is obligated to report only accurate and verified information. Reporting unverifiable or inaccurate data on my credit file is a violation of the FCRA.

I am requesting the CFPB to : Investigate IQ Datas practices regarding debt validation and credit reporting ; Order the immediate removal of the unvalidated account from all consumer reporting agencies ; Hold IQ Data accountable for any violations of the FDCPA and FCRA. 

Please confirm receipt of this complaint and keep me informed of any progress in the investigation.

Company response to consumer: Closed with explanation