vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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:
Hi, Recently I looked at my credit report and noticed inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : 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 2025-05-28 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: FL

Complaint narrative:
Hi, Recently I looked at my credit report and noticed inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
I submitted a borrower defense case # XXXX XX/XX/year> to department of education i have not heard anything. My student loan is with 1-01 DL Consolidated - Subsidized & 01-02 DL unsubsidized total {$90000.00}. I dispute with XXXX XXXX and equifax breach of information FREPA not satisfied with results.FERPA due to inadequate data protection practices this include failing to securely dispose of records potentially leading disclose of sensitive information base on closing department of education and moving student loan to another department without borrower authorization and I have not gotten a response from department of education for my borrower defense case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Fl XXXX XX/XX/year> I.C. SYSTEM, INC XXXX XXXX, MN XXXX Re : Cease and Desist & Debt Validation Request Account No. XXXX To Whom It May Concern, I am writing in response to a [ letter/phone call ] received from your office on [ insert date ] regarding the alleged debt with the reference number [ insert account/reference number ]. This letter is a formal notice that I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Under the FDCPA, I have the right to request verification and validation of the alleged debt before any further collection efforts are made. Accordingly, please provide the following : The name and address of the original creditor ; The amount of the alleged debt, including an itemized accounting of any interest, fees, or charges ; Copies of any documents bearing my signature that confirm my responsibility for this debt ; Verification that your agency is authorized to collect debts in Florida, including your license information, if applicable ; The chain of custody or assignment of the debt showing how your company obtained it. 

Additionally, pursuant to 15 U.S.C. 1692c ( c ) of the FDCPA, you are hereby instructed to cease all communication with me and with any third parties regarding this matter, except as legally required or permitted under federal law. This includes, but is not limited to, phone calls, letters, emails, or any other form of communication. 

Please note that any further attempts to collect this debt without proper validation may constitute a violation of federal law and my consumer rights. Be advised that I am documenting all correspondence and reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office if my rights are violated. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XX/XX/XXXX I had allowed someone to use my phone. They reconfigured biometric security settings and sent themselves {$1000.00} via XXXX and {$3000.00} via XXXX ( from Wells Fargo ). Within 2 hours, I reported both of these transactions as fraudulent/unauthorized. XXXX reversed the transaction and refunded the money. Wells Fargo has refused to reverse the transaction, despite the fact that the transaction was not authorized by me. The bank cited a rule that if a " secure app '' was used ( the Wells Fargo app ) then there is no obligation for them to reverse the transaction. If that is the only applicable rule, it would essentially mean digital pickpocketing is legal if one were able to bypass security limitations on someone's phone. The bank seems to be taking the position that it is irrelevant that I did not authorize the transaction.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
NOT A DUPLICATE COMPLAINT This complaint is based on a new and separate FCRA violation by Resurgent Capital Services, L.P., arising from the unauthorized reinsertion of an LVNV Funding tradeline on my XXXX credit report on XXXX XXXX 2025, without any notice or legal basis.

I received a letter from XXXX dated XXXX XXXX 2025 stating that this tradeline was not currently reporting. Days later, on XXXX XXXX, XXXX XXXX alerted me that the same tradeline had been reinserted with no notice, no change to dispute status, and no validation in direct violation of : FCRA 611 ( a ) ( 5 ) ( B ) no written notice of reinsertion within 5 business days FCRA 623 ( a ) ( 3 ) account is not marked as disputed despite multiple formal disputes FCRA 623 ( a ) ( 1 ) continues to furnish incomplete and unverifiable data This was done while active CFPB complaints are still pending against XXXX XXXX and XXXX XXXX has : Failed to provide a single legally compliant debt validation Ignored over 5 direct portal messages, including a pre-litigation legal demand Sent only 2 mailings total, one of which duplicated the same boilerplate materials Provided no contract, no payment history, and no ownership chain I have documented evidence of these failures, including : XXXX XXXX XXXX letter XXXX XXXX XXXX XXXX  alert Call transcripts with XXXX where they refused to confirm receipt of legal correspondence Screenshots of account reinsertion Full annotated pages from my XXXX file showing false data, missing fields, and unresolved disputes Mailed confirmation of deletion from XXXX ( this tradeline is already deleted by XXXX ) This is not a duplicate complaint this is a new violation triggered by reinsertion after closure and during open disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to file a formal dispute and issue a cease-and-desist letter request regarding access to, storage of, or reporting of bankruptcy-related information linked to my name and personal data -- Case number XXXX. Please dispute/remove/cease and desist any entries that are not in compliance with FCRS 1681b or 1681e ( b ).

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 2025-05-28 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: TN

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third Parties

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as my final formal notice concerning the inaccurate late payment listed on my credit report and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite multiple prior disputes, you continue to report these negative items without providing any supporting documentation. A generic verified response does not meet your obligation under FCRA 1681i to conduct a reasonable reinvestigation.

You are also in violation of FCRA 1681e ( b ), which requires you to ensure maximum possible accuracy. Your failure to remove unverified data and refusal to provide original evidence constitutes willful noncompliance.

You have 30 days from the date of this letter to provide : Original, complete documentation from the creditor validating the alleged late payment ; A full description of your reinvestigation, including sources used ; Immediate deletion of the disputed items if not substantiated with original evidence.

This issue aligns with recent enforcement actions by the CFPB, including the XXXX  2025 lawsuit against Equifax for similar violations. Your conduct mirrors those cited failings and strengthens my legal position. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint to EQUIFAX because the above-listed companies are reporting fraudulent, unverified, and inaccurate accounts on my credit reports. I have no knowledge of or contractual relationship with any of these creditors. These accounts do not belong to me and may be the result of identity theft or erroneous data reporting. I have submitted formal disputes to the credit bureaus and to each individual furnisher.

My dispute packets included : An FTC Identity Theft Report A copy of my government-issued photo ID Proof of current address Despite submitting the required documentation, the accounts continue to appear on my credit reports, in direct violation of the Fair Credit Reporting Act ( FCRA ) : FCRA 605B ( a ) Requires deletion of identity-theft-related accounts within 4 business days of receiving valid documentation. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report data they know or reasonably should know is inaccurate. FCRA 623 ( b ) ( 1 ) Requires furnishers to conduct a reasonable investigation and correct or delete the information within 30 days. Metro 2 Compliance These furnishers have failed to flag the accounts correctly ( XB ) during the investigation or to remove them properly using deletion code ( DA ). These accounts are materially damaging my credit profile and violating my consumer protection rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX ( XXXX XXXX, Florida ) and XXXX, the company that financed my vehicle purchase. 

I purchased the vehicle in XX/XX/year> with a {$500.00} down payment and continued to pay the remainder of the down payment in installments through XXXX. Since then, I have made XXXX full loan payments often paying more than the minimum required. 

Due to a temporary financial hardship, I contacted JD Byrider and XXXX on XX/XX/XXXX and XX/XX/year>, to request a short extension on an upcoming payment. I explained I am actively seeking employment and that I currently rely solely on Social Security income, which only covers my rent. Despite my good-faith communication and payment history, my request was denied. I was told they do not allow any late payments or extensions and that repossession would occur if I missed the due date. 

Shortly after I made this request, I noticed that the option to pay from my bank account was removed from my online account. This action severely limits my ability to make a payment and appears to be retaliatory in nature. 

There are also issues with the condition of the vehicle. The air conditioning system has failed repeatedly since the purchase. Despite XXXX repair attempts, it still does not function properly. XXXX XXXX has not resolved the issue. 

Additionally, I was promised a copy of my loan contract via email at the time of purchase. I never received this, which limits my ability to fully understand the terms of my loan. 

I have relocated to Pennsylvania for health and personal reasons, but did not officially inform the dealership. Nonetheless, they continue to threaten repossession. Im concerned that they may not be following appropriate legal procedures for cross-state repossession or debt collection.

JD Byrider advertises itself as a dealership that supports people with challenging financial histories. However, my experience has been the opposite no flexibility, no customer care, and potentially abusive servicing practices.

I am asking the Consumer Financial Protection Bureau to investigate JD Byrider and XXXX for possible violations of fair loan servicing practices, retaliatory account changes, and failure to provide required disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I am filing this complaint because my Equifax credit report still contains inaccurate and fraudulent information, despite a previous complaint ( CFPB Complaint Number : XXXX ). While Equifax has stated it removed some fraudulent entries such as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX, XXXX, my most recent Equifax credit report, dated XX/XX/XXXX, still shows fraudulent items. I have an Identity Theft Report from the Federal Trade Commission ( FTC Report Number : XXXX ) which verifies that these accounts were opened without my authorization. 

The fraudulent item still persisting on my Equifax credit report is : XXXX XXXX XXXX ( Credit Card - XXXX ) : This account, opened on XX/XX/XXXX, is listed as " Paid and Closed '' but shows XXXX late payments ( XXXX, XXXX, and XXXX  days late ). My FTC Identity Theft Report explicitly identifies this as a " Credit Card Opened by the Thief '' and states it was opened without my authorization, with the fraud beginning in XX/XX/XXXX and discovered in XX/XX/XXXX. Although Equifax stated in its response to the previous complaint that they " VERIFIED THAT THIS ITEM BELONGS TO YOU '' and only modified certain fields, this verification is inaccurate and contradicts my identity theft report. I strongly reassert that this account is fraudulent and was not opened by me. 

Furthermore, my Experian credit report, dated XX/XX/XXXX, shows a fraud victim alert placed on XX/XX/XXXX, which confirms that my identity has been compromised and that fraudulent applications may be submitted in my name. This further reinforces my claim that the XXXX XXXX XXXX account is fraudulent. 

Under Florida law, specifically Florida XXXX XXXX, victims of identity theft are entitled to have fraudulent accounts removed from their credit reports. The persistence of this fraudulent account on my Equifax report after my initial CFPB complaint is unacceptable and in violation of my rights as an identity theft victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
Ability recovery services is the collection agency! They have been harassing me over and again since they bought an almost XXXX XXXX XXXX debt that I have no idea about! They were accusing me and talking so horrible to me to where I lost my cool and started to get mad and cuss and thats not who I am. I even offered to give them {$20.00} to stop calling me not that I was claiming that I owed that debt because I dont. Its {$91.00} Account that was originally owned from XXXX. Ive been told multiple dates one was in XX/XX/XXXX and the rest of them are more towards the end of XXXX. I disputed this with XXXX  and it came off my credit report immediately but they still keep calling

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 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I disputed this account with all three credit bureaus and requested validation directly from XXXX. I asked for a signed agreement, a complete and accurate payment history, and proof of legal responsibility for the debt. Despite my request, XXXX did not provide any of the required documents. They are continuing to report the account as charged off, which is damaging my credit. Reporting an unvalidated debt violates my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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