vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I was contacted in XX/XX/XXXX by Caine & Weiner Collections stating that I had an outstanding balance with a payment processing merchant from earlier this year. 
I asked if this was involving a business I used to own. She said yes, and I informed her that I sold that business in XXXX and they would need to contact the new owners of the business. She said she had my signature on the document. She said she could send me the documents to review. It was XXXX months befor they contacted me again, XXXX, XXXX. They emailed the documents : XXXX was a merchant payment card application from XXXX XXXX XXXX from XX/XX/XXXX, and the other document was the XX/XX/XXXX statement. I replied to the Collections agency that the account was not mine, I had never heard of any of the companies, XXXX XXXX XXXX, nor XXXX XXXX XXXX. All of the information on the application was not mine, except for the name and address of the business I used to own, and did not have my signature on it, but an e-signature. I let them know this was fraudulent and that they should contact the owner of the bank account on the application. I never received a validation letter from this agency, nor any directions on how to deny the alligations, and since they did not follow any collections standars, did not think they were legitimate. The next email I received said I must then obtain a police report to deny the alligations. I went to the police dept in the town I work in on XX/XX/XXXX, and spoke with an officer who told me not to reply to the collections agency directly, as it seemed to be a likely scam. She mentioned that if I wanted to file a report, I would have to go the XXXX office in another town. I received a letter from Caine & Weiner on XX/XX/XXXX, dated XX/XX/XXXX, stating my failure to discuss the debt is leaving them no alternative but to take further collection actions in order to protect their client, stating I had XXXX  days to respond with arrangements to clear the balance. That night I saw that they had made a derogatory collection to my credit, which lowered my credit by XXXX points. Since they did not wait the XXXX days to hear from me, I did go to the XXXX the next day. I work full time and went on my first day off, XX/XX/XXXX. It took a few days to receive the completed report from XXXX XXXX XXXX, which I was able to print out today, XXXX. The business practices of this collections agency is very poor and they have done no investigation into the practices of their 'client ' who approved an invalid application, and should have just collected from the bank account used to deposit the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian needs to change their process for providing customer services. All arrows point to their website but when its an item that can not be resolved online you try to call. Then you end up in an automated systems that gets you nowhere. Ask to speak with an agent and the call ends. When you finally trick the system to get through you are passed around from XXXX department to another, each time being requested for so much information. You spend hours accomplishing nothing. 

Do a quick XXXX search of Experian customer service and you will find countless forums with hundreds of others who have experienced this same horrendous service. 

My situation is a couple years ago my information was stolen. At the time I called the XXXX credit unions and froze my credit. I now have a need to open a line of credit and seamlessly unlocked XXXX XXXX XXXX  but I have been attempting to do the same with Experian for weeks. So much wasted time!!! Part of the problem is that someone fradulently created an online Experian account in my name. When I tried to claim my account online it asked which device I wanted to send the verification to, but neither phone or email shown belonged to me. Needless to say I did not select to send the verification to the fraudster, so I called in and got the run around by a robot for weeks. 

Absolutely infuriating that my credit is unattainable because Experian has their support lines set in a way to make it impossible to speak to a person!

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 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX my car was repossessed. I was given a dollar amount to retrieve my car back by phone the total was XXXX. I reached out several times within XXXX weeks to make sure the amount I needed to pay was correct. I was told this amount several times. On XX/XX/XXXX I eventually paid the full amount due paying with XXXX separate cards XXXX for XXXX the other for XXXX. I retrieved my car and was told my next payment would be due XX/XX/XXXX. The website noted this as well. I checked my account randomly and for a few days it showed zero owed. A XXXX fee was soon added. I called and was told this was a key fee but she could see where this was already included in the total amount that I paid so the fee would be refunded and I should see the update in my account in about XXXX hrs. More than a few days go by and my account still shows XXXX due as well as a payment for XXXX showing past due. When I call I keep getting additional information each time. I was told the fee was for recovery and then I was told it was a key fee. This fee was never mentioned to me no matter what it is for. I was also told it would be refunded and it is not. I was told my payment due after paying the full amount would be due XX/XX/XXXX. I was told my large payment was distributed the way the company saw fit. Some to principle and some to interest and some to recovery fees. This XXXX was never mentioned and only added after I paid in full. Also my next payment shouldnt be due until XX/XX/XXXX I spoke with several reps I have XXXX ID numbers the first is for rep # XXXX XXXX and this is the ID number for a supervisor I asked to speak to XXXX. I spoke with these reps on XX/XX/XXXX. 
I was told XXXX of my payments was reversed which is not correct. I have bank statements to show proof of both payments. None of which was reversed or returned to me. I should also mention my account doesnt reflect this online I was told this verbally over the phone. The website is asking for XXXX payment and a XXXX fee. The way they distributed my payment to cover the fees is confusing. I made XXXX payments the same day just mins apart totaling the full amount. They have several different amounts showing in their system as if I made several payments. Ive included screen shots of the XXXX payments that I made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately 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. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX  XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately 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. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX  XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX 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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I reviewed the companys response and I want to be clear all communication regarding this matter will remain through the CFPB portal only. I do not wish to be contacted by phone, email, or mail. 

Pro Collects response focuses on a balance, which is not the issue. I am not disputing a dollar amount. I am requesting proof that I personally gave authorization for my private information to be shared, transferred, or reported by Pro Collect. I never signed or agreed to any form allowing this company to access or handle my personal data. 

Under 15 U.S.C. 1681b and 1681e ( b ) of the Fair Credit Reporting Act, they must have a permissible purpose to use or report my information. Under 15 U.S.C. 1692g of the FDCPA, they are required to validate their right to collect, not just provide a copy of a bill. None of what they attached or mentioned shows my consent. 

I also want to note that under XXXX XXXX and XXXX compliance standards, a company must be able to verify that the data they are transmitting was legally obtained and authorized by the consumer. Until Pro Collect can show that I gave consent through a signed agreement, this account should be deleted from my credit report. 

This is not about the debt amount. This is about data authorization and privacy. I am asking the CFPB to hold Pro Collect accountable to provide proof that I legally allowed them to handle or report my personal information.

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 2025-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I'm XXXX days late on my payment and they are calling my phone and my wife 's phone at least XXXX to XXXX times a day. Their is a XXXX day grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc.
State: CA

Complaint narrative:
My Sezzle account is being reported inaccurately and inconsistently across allXX/XX/XXXXcredit bureaus. The account was charged off in XXXX, but Sezzle and the collection servicer posted payment activity in XXXX after the account was already closed. This is impossible and violates FCRA accuracy requirements. 

XXXX bureau shows the status as Paid in Full Was Charge-Off, another shows {$31.00} Written Off, and another still lists the balance as unpaid. The bureaus also show different high balances, different credit limits, and multiple years of repeated Charge-Off cXX/XX/XXXXes, which is improper re-aging. Sezzle also marked the account as Company Sold, even though the debt was not sold ; it was only placed with a servicer. 

The last payment date, close date, charge-off date, and removal date vary across bureaus and contradict each other. The account shows negative activity in months after it was closed, which is inaccurate. My payment in XX/XX/XXXX was not updated consistently across bureaus, and some show a balance of {$0.00} while others still show {$31.00} owed. 

These inconsistencies violate the FCRA requirement for maximum possible accuracy. I am requesting deletion of this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 2025-11-17 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: FL

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) 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 2025-11-17 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: Credit Karma, LLC
State: OH

Complaint narrative:
I am requesting that a hard inquiry be moved from my credit report due to not authorized by me. On or about XX/XX/year>2025, I was on Credit Karma looking for a loan and I was told that I would not be hit with a hard inquiry but soft inquiry by Credit Karma and XXXX XXXX. On XX/XX/scrub>, 2025, I discovered that XXXX XXXX pully a hard inquiry but refused to remove. ( Please review attached letter for verification ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Nelnet, Inc.
State: TX

Complaint narrative:
Requested an application for discharge based on XXXX. I am still enrolled in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I keep reaching out toXX/XX/XXXX but they not giving me any information. They put fraud alerts on my name & accounts thats stopping other banks from letting me open an account.

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 2025-11-18 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: TX

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 theXX/XX/XXXXand TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXX/XX/XXXXXXXX -- Balance : {$1100.00} - Date Opened : XX/XX/XXXX XXXX XX/XX/XXXXXXXX -- Balance : {$690.00} - Date Opened : XX/XX/XXXX XXXXXX/XX/XXXXXXXX -- Balance : {$670.00} - Date Opened : XX/XX/XXXX XXXXXX/XX/XXXXXXXX -- Balance : {$1200.00} - Date Opened : XX/XX/XXXXXX/XX/XXXX XXXX - Date Opened : XX/XX/XXXXXX/XX/XXXXXXXX -- Balance : {$2200.00} - Date Opened : XX/XX/XXXX XX/XX/XXXXXXXX -- Balance : {$720.00} - Date Opened : XX/XX/XXXX XXXXXX/XX/XXXX XXXX -- Balance : {$330.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XX/XX/XXXXXXXX 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