vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: VA

Complaint narrative:
b'On XXXX XXXX XXXX I mailed LVNV Funding LLC a certified dispute and debt-validation letter (tracking number XXXX XXXX XXXX XXXX XXXX XXXX), disputing the full balance of an alleged debt as reported on my credit files. In that letter I requested:\n\nProof that I am the correct obligor;\n\nOriginal-creditor documentation and a GAAP-compliant accounting of the debt;\n\nA sworn affidavit authenticating LVNVs records;\n\nEvidence of a binding contract; and\n\nDocumentation authorizing LVNV to collect on behalf of the original creditor.\n\nLVNV never acknowledged receipt, never provided any of the requested validation, and never ceased collection activity. Instead, LVNV continued to furnish the unverified debtwith the same balance to XXXX XXXX XXXX XXXX. As a result, the disputed entry remains on my consumer reports, has led to credit application denials, and is causing ongoing reputational and financial harm.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against ExperianXXXX XXXX XXXX XXXX  for failing to remove fraudulent collection accounts from my credit reports, in violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. 
The following fraudulent collection accounts are still being reported : XXXX XXXX XXXX collecting for XXXX XXXX  ( {$310.00} balance ) XXXX XXXX XXXX XXXX for XXXX Bank ( {$1400.00} balance ) XXXX XXXX XXXX collecting for XXXX XXXX Bank ( {$390.00} balance XXXX XXXX Bank ( {$990.00} balance ) These debts resulted from identity theft while I was incarcerated and unable to conduct any financial activity. I have notified ExperianXXXX XXXX XXXX XXXX in writing, submitted an identity theft report, and provided proof of my incarceration. Despite this, they have refused to investigate properly and have continued reporting these fraudulent accounts. 
Under 15 U.S.C. 1681c-2, once a consumer identifies accounts resulting from identity theft and provides the required documentation, the credit reporting agencies must block the information. Their refusal to act is a violation of federal law. 
I am requesting the CFPB to : Require ExperianXXXX XXXX XXXX XXXX to immediately and permanently remove the fraudulent accounts. 
Ensure compliance with 15 U.S.C. 1681c-2. 
Investigate why my valid disputes were ignored. 
Confirm in writing that the accounts have been deleted. 
II respectfully request urgent action to correct these serious errors and protect my rights under federal law.

Requested Resolution : Permanent removal of all fraudulent collection accounts listed above from my ExperianXXXX XXXX XXXX XXXX credit reports, and confirmation of compliance with 15 U.S.C. 1681c-2.

Heres a short 1-paragraph preview summary you can paste into the " Brief Summary '' section of the CFPB complaint form before adding the full detailed letter : Brief Summary : I am requesting the CFPBs assistance in having ExperianXXXX XXXXXXXX XXXX XXXX  remove XXXX collection accounts that resulted from identity theft while I was incarcerated. Despite properly submitting identity theft reports, proof of incarceration, and formal disputes under 15 U.S.C. 1681c-2, the credit reporting agencies have continued to report these false accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Bank XXXX Their failure to block this information is a violation of federal law, and I am seeking immediate removal of these accounts from my credit reports.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX CO - XX/XX/XXXX Basis for Dispute Section XXXX ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-04-27 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:
I am not liable for this debt with hunter warfield I dont have a contract with this collection agency they also did not provide a contract or itemized bill as requested please remove off credit report and check my report for all inaccuracies and remove and check for accuracy my auto loan is also reporting inaccurate causing it to effect my credit worthiness please update or remove

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 2025-04-27 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: PA

Complaint narrative:
* * Subject : * * Complaint Against Equifax for Failure to Delete Settled Debt and Violation of FCRA Deadlines * * Complaint : * * I am filing a complaint against Equifax for willfully and illegally continuing to report a debt that was fully settled and no longer legally collectible. 

The account with * * XXXX XXXX XXXX * * was * * settled in full * * through * * XXXX XXXX XXXX * * with legal representation. I have documentation clearly proving the settlement. Despite this, Equifax is falsely continuing to report the debt as active. 

I properly disputed the inaccurate reporting with Equifax. Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally required to complete its investigation within * * 30 days * * of receiving my dispute ( 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ). Equifax failed to do so, violating federal law. This failure is a serious breach of my rights as a consumer. 

Additionally, Equifax falsely claimed to have verified the debt without acknowledging the settlement documentation. Reporting a settled debt as outstanding is not only inaccurate but also illegal under the FCRAs accuracy and reasonable investigation requirements. 

* * I am demanding : * * - * * Immediate deletion * * of the XXXX XXXX XXXX account from my credit file not an update, not a correction, but complete removal. 
- A full explanation for Equifaxs failure to investigate properly, failure to meet the required XXXX deadline, and continued reporting of false information. 

If Equifax does not comply, I will seek all remedies available under the FCRA, including statutory damages, attorneys fees, and court costs under 15 U.S. Code 1681o ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: FL

Complaint narrative:
I am writing to request assistant and consideration regarding a personal loan I obtained in the amount of {$6300.00}. Unfortunately, due to my financial situation at the time, I accepted terms that have place me under an extremely heavy burden- the interest rate is currently set at and alarming 121 %, I did not know this at the time. I now undersand that this rate is not only overwhelmingly high but may also exceed usury laws. The cost of this loan has quickly become unmanageable, I have paid {$5400.00} back, they only reduced {$100.00}.

This is leaving me in a cycle of payments that primarily go toward interest, with little impact on the principal balance. I am seeking any assistance available Negotiating a reduction in the interest rate level to a fair level Receiving help from an investor or organization will to buy out or refinance the loan at a better terms, of the amount I owe, {$1000.00} more plus interest Guidance on legal remedies available to contest or renegotiate these predatory terms. 
I am committed to repaying what I owe but need reasonable, ethical terms that allow me to realistically do so without falling deeper into financial hardship. 
Thank you for your time, I am hopeful that with you assistance, I can find a path forward to regain financial stability. Just need to know if this interest rate in Legal. Help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
After reviewing my credit reports I noticed that you are alleging accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report.

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 2025-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
On XX/XX/year>, I mailed a debt validation request to Columbia Debt Recovery LLC Genesis XXXX XXXX XXXX regarding an alleged rental debt. They received the letter on XX/XX/year>, confirmed by certified mail. Under the Fair Debt Collection Practices Act ( FDCPA ), they were required to provide proper validation, including proof that the debt was mine and that they had legal authority to collect. To date, they have not provided this information, yet they continue to report the debt to XXXX XXXX XXXX XXXX. Their failure to validate the debt while continuing to collect and report it is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I filed a dispute for fraudulent charges on my credit card through XXXX with Synchrony Bank. They supposedly investigated these fraudulent charges and denied they were fraud and held me responsible for paying the bill. After I paid the bill, the company reduced my credit limit from {$3500.00} to only {$100.00} in credit. They deny that the credit reduction is related to me reporting the fraudulent charges, but remarks were added to my credit report that said I disagree with a dispute. These remarks should not have been added to my credit report. Reducing my available credit limit from {$3500.00} to only {$100.00} dropped my consumer credit score by over XXXX points in one day. I have never missed a payment to Syncrony Bank, and they gave me regular & routine credit increases for 3 years. Only after reporting this fraud, they reduced my available credit from {$3500.00} to only {$100.00}. This is XXXX less than what I am used to spending monthly on the card. I have reached out to synchrony and they have kept me waiting on the phone for hours on end, and become very defensive and angry when I attempt to reconcile the issue. I have made 100 % on time payments for 3 years on this account. The sudden reduction from {$3500.00} to only {$100.00} in credit is disrespectful to a client who has always paid ontime and has excellent history of credit with the company

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 2025-04-27 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$15000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 # ( private case number ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-27 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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