vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX my date of birth is XX/XX/year> my social security number is XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the inquiries were not authorized and are in dispute. 
XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX, Experian : XXXXXXXX XXXX XXXX XXXX XXXX Transunion : XXXXXXXX XXXX XXXX XXXX XXXX this account was never late but is currently in dispute. this account is in dispute. XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX, Experian : XXXXXXXX XXXX XXXX XXXX XXXX  Transunion : XXXX XXXX XXXX XXXX XXXX  the account is not mine and is in dispute. XXXX  XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX, Transunion : XXXXXXXX XXXX XXXX XXXX XXXX the account is not mine and is in dispute. XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX, Experian : XXXXXXXX XXXX XXXX XXXX XXXX the account is not mine and is in dispute. XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX Transunion : XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 XXXX 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 2025-06-05 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: IL

Complaint narrative:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
Subject : Dispute of Incorrect Collection Account Reported by National Credit Systems Dear [ Credit Bureau Name ], I am writing to formally dispute a collection account reported on my credit file by National Credit Systems ( NCS ). This information is inaccurate and unfair, and I respectfully request that it be removed from my credit report immediately.

Background and Summary of the Issue : * I lived at the referenced apartment for over five years and vacated the unit in XXXX. 
* Upon moving out, the apartment management charged me approximately {$2400.00} without providing any itemized bill, receipts, or documentation. 
* Later, they reduced the amount to {$1400.00}, again without any written proof or explanation. 
* I sent them an official claim letter to dispute the charges, after which they did not respond at all. 
* I was never notified that my account was sent to collections. I only discovered this issue through a credit monitoring alert showing an entry from National Credit Systems.

Problems with National Credit Systems ( NCS ) : * NCS first charged me {$1.00} to access my account. 
* Then, they told me that in order to remove the collection, I needed to pay {$370.00} which I did, under pressure and confusion. 
* NCS also informed me that the apartment complex was permanently closed, and that I could dispute the record with a 100 % chance of success. 
* The account was reported under the apartments previous name ( XXXX ), although I vacated the unit in XXXX when the property had already changed its name. 
* The charges were changed several times : from {$2400.00} {$1400.00} {$1100.00}, with no clear explanation or any valid receipts. 
Why This Record Must Be Removed : 1. No documentation or proof was provided to support the debt.

2. No prior notice was given before reporting the account to collections violating the Fair Credit Reporting Act ( FCRA ).

3. The apartment complex is permanently closed, making the origin of the claim unreliable.

4. NCS pressured me into paying {$370.00} for a deletion without a clear legal basis.

5. The reporting details are inaccurate, including the wrong apartment name and dates. 

I am requesting the following : Please remove this inaccurate and unverified collection account from my credit report. The entire handling of this debt was improper, undocumented, and damaging to my credit score. As a consumer, I have the right to dispute any item I believe to be incorrect or unverifiable under the Fair Credit Reporting Act ( FCRA ).

Enclosures : * Proof of {$370.00} payment to NCS * Copy of my formal dispute letter to the apartment * NCS phone call record * Evidence that the apartment is now permanently closed Thank you for reviewing this matter. I trust you will resolve this issue promptly and fairly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am writing to express my serious concern regarding inaccurate information being reported on my credit by your company. This issue stems from a series of interactions with your customer service agents, which have led to significant confusion and negatively impacted my credit report. 

In XX/XX/XXXX, I informed your team about a car accident and that my insurance was settling the total loss claim on my vehicle. I was assured that no late fees or negative reports would be filed. Following the insurance payout, I confirmed that any remaining balance would be covered by my dealership warranties and gap insurance. Throughout these conversations, I was repeatedly assured that my credit would not be negatively affected. 

However, in XX/XX/XXXX, I discovered that your company had reported an inaccurate outstanding balance of {$9000.00} on my credit report. Despite my attempts to resolve this with your customer service and supervisory team, the issue remains unresolved. This amount has been changed multiple times without accuracy and has continuously affected my credit. 

I was precisely assured by XXXX XXXX on XX/XX/XXXX at XXXXXXXX XXXX that with the amount of XXXX, my account would be settled as per the letter your company sent, and with the check from my gap insurance of XXXX it would be covered and resolved to which this information was also inaccurately reported. 

I have been requesting immediate action to correct this inaccurate information on my credit report on every different email provided by your agents and no answer has been given. 

I appreciate your attention to this urgent matter and look forward to a fast resolution. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
b'It began with text messages a couple years ago, always a different amount. a company called Spring Oaks Capital keeps harassing me and calling my number incessantly about a Mastercard credit card account that I dont own. Ive never had a Mastercard, also I have perfect credit. I have to keep my phone on silent do not disturb. I block every number but they just call back from a different one. XXXX XXXX XXXX  are just what Ive gotten in the last hour or so.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: MI

Complaint narrative:
On XXXX XXXX XXXX I looked at my Experian credit online and noticed that my score dropped XXXX points on XXXX XXXX XXXX. So I looked at my report to see what changed that could have made my score drop. No inquiries, nothing dropped off my report, no new accounts opened no new negative reporting everything is the same as my report on XXXX XXXX XXXX Between the date above and todays date nothing have changed on my report. So why did my score drop XXXX points. Tried calling Experian cant get through automated system to no where. Im in a Bankruptcy I havent filed for any new credit. I need this to be corrected asap this is a violation of the Bankruptcy code to report damaging things on my report or change my score with no explanation.

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 2025-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I went to the XXXX XXXX XXXX XXXX XXXX XXXX due to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The medical practitioner diagnosed me with XXXX and told me to follow-up with my PCP. I during registration, I informed them that I had XXXX. Therefore, I was not property treated and charged over {$410.00}. I did not authorize for my information to sent to Holloway Solutions who is now beginning to harass me. My confidentially was breached and I am requesting that the charge is dismissed due to lack of treatment for an insured patient and breach of confidentiality. 

I have been contacted XXXX times and informed them that I will fight the case and do not have any additional funds. I have also called Holloway and the reps refuse to provide names for documentation purposes and hung up when I informed them that I was filing the CFPB charge. 

There is also someone contacting me and not providing their name but referring to themselves as " I ''. 

Text # XXXX Phone XXXX Please clear the balance and I'd like my {$20.00} payment refunded as well. They stated that I must have paid before I left. I didn't agree with them but paid due to intimidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$890.00} INQUIRIES : XXXX 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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I have a private loan with Firstmark Services. Several services of private loans are offering applications for misconduct discharge. I requested the application from my servicer, and that I already have a pending borrowers defense application for my other loans. 

First they replied they do not handle federal loans. I replied, I am writing regards to my private loan. Then they said they do not have such form. I replied : Understood, you do not have that specific application. Please provide information as to how to apply for cancellation of my private student loan on the basis of misrepresentation by my school. I am entitled to a process of private student loan relief because of my schools misconduct in promising abundance of job opportunities and forcing me into early decision to falsely guarantee my spot. 

They replied : Unfortunately, your lender does not offer loan forgiveness due to school misconduct. You are responsible for the repayment of any funds accepted by the school, per your promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
For more than year now I get repeated phone calls from Portfolio Recovery. When It first started I told them they had the wrong number and that person did not have this number or live here, I have had this phone number since XXXX. They never told me what this collection was for or from whom. I have no bad debt on the credit history at all. I have told the up front to stop calling me, but they continue for over a year. I keep blocking their number and they call from a new number. This is all the time, and continues day and night. I have never received a letter or email from them telling me what is owed in my name, nor voice messages saying anything. Just constant and repeat phone calls. how do I get this to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: MN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-05 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: LA

Complaint narrative:
I have reviewed my credit report from Experian, TransUnion, Equifax ], and it contains the following negative items that should be removed for identity theft information under law 15 U.S.C 1681e " The following accounts we're open fraudulently by another person and not my legal name : XXXX XXXX XXXX XXXX. They used names like XXXX XXXX, XXXX XXXX I never lived at the physical-addresses that these accounts were open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Summary of Complaint This is a formal complaint against one or more credit reporting agencies ( CRAs ) for the continued and willful reporting of fraudulent accounts, unverifiable late payments, unauthorized inquiries, and incorrect personal data, in violation of federal and state consumer protection laws. I. Unauthorized Inquiries Names of Entities : ( inquiries here : ) Violations : FCRA 604 No permissible purpose FCRA 607 ( b ), 611 ( a ) Inaccurate reporting and failure to investigate FDCPA 1692g No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each. II. Enforcement Demanded I demand that the CFPB enforce the following : 1. Removal of all late payments, fraudulent accounts, and unauthorized inquiries. 2. Correction of all inaccurate personal data and account statuses. 3. Issuance of corrected reports to prior recipients ( FCRA 1681i ( d ) ). 4. Penalties against furnishers and CRAs for repeated violations. 5. Written confirmation of every reinvestigation an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-05 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: IN

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: TX

Complaint narrative:
On my CHIME card there were XXXX XXXX charges, they were different XXXX subsidiaries if they even exist. XXXX They range from XXXX to XXXX on XXXX XXXX there were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I could continue but I have XXXX consecutive days of these charges, They total {$110.00}. I reported them as fraudulent, change my card number and began the dispute as I was directed to. CHIME says they deny my claim and will not refund me the money that was fraudulently taken from my account. With no chance to appeal or refile dispute to fraud team. I also contacted XXXX, they have no record of these charges any where on any of my XXXX accounts. No one else has had my card, I did not loose it, I did not give it to anyone and I do not have my CHIME card on my XXXX account for payment. I use XXXX XXXX  as I use an XXXX. I do not pay for anything from XXXX. CHIME will not research in to this or refund me the charges. I have since stopped using CHIME, how ever I still want to be refunded these internal fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: OH

Complaint narrative:
I am extremely XXXX with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXXXX/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 2025-06-05 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: OH

Complaint narrative:
I am extremely XXXX with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXXXX/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