vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: TN

Complaint narrative:
Violation of fair credit reporting act 15 U.S.C I am requesting that you provide verification and validation of the debt and a signed contract with my signature.

The account is listed as a charge off account on my credit report, however I have not received a 1099C cancellation of debt form Which is required for tax purposes, if this debt was truly forgiven or canceled. If this that has been charged off and forgiven, please send me a copy of the 1099C. If not, Please correct my report to reflect the accurate reporting and status of my account or remove it entirely from my 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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX SUPERVISOR ESCALATION ( CFPB Supervisor Filing # XXXX ) Prior CFPB Cases : XXXX XXXX XXXX XXXX XXXX Summary : XXXX  XXXX continues to furnish : Improper charge-off re-aging. 

Conflicting DOFD reporting across Experian, Equifax, and TransUnion. 

Monthly CO updates long after closure date of XX/XX/year>. 

Violations of Metro 2 format. 

Incorrect high balance reporting. 

This creates artificial derogatory updates that are suppressing my credit scores and inaccurately extending derogatory reporting timelines in violation of : FCRA 623 ( a ) ( 2 ) FCRA 623 ( a ) ( 5 ) FCRA 611 Metro 2 data standards

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I would like to formally dispute the claim that past due notices and electronic communications were available to me via the Aidvantage portal prior to the negative credit reporting that occurred in XX/XX/year>. 

At the time of the delinquency, I had not yet established an account on the Aidvantage platform, and therefore had no access to the statements or communications you reference. If there were notifications being sent, they were not received by me through any active or accessible channel neither email nor mail. I was unaware of the Aidvantage platform transition and had not received instructions to create an account in order to monitor my loan status. 

It was only after I discovered the negative impact to my credit score that I created an account and was able to view these documents. In light of this, it is inaccurate and misleading to claim that I had been given an opportunity to address or remedy this delinquency prior to the derogatory reporting. 

I respectfully request a full review of this situation and reconsideration of the credit bureau reporting. I am also requesting that you investigate whether there was a failure to provide proper notice through accessible communication channels, and if so, correct the inaccurate reporting in accordance with the Fair Credit Reporting Act. 

If required, I am prepared to escalate this issue further. However, I hope Aidvantage can acknowledge the breakdown in communication and take the appropriate corrective actions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: OH

Complaint narrative:
The three major credit reporting agencies are reporting unauthorized fraudulent hard inquiries on my credit report .Please see attached dispute letter, ftc report, Identification, social security card, and document to verify address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 

XXXX XXXX LVNV FUNDING LLC LVNV FUNDING LLC I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
To Whom It May Concern, I am formally disputing several inaccurate and unverified entries currently listed on my credit report. These entries are in violation of federal consumer protection laws and must be removed immediately to ensure fair and accurate reporting, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other applicable laws. 

XXXX. Late Payments XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Under 15 U.S. Code 1666b ( Truth in Lending Act ), creditors are prohibited from reporting late payments without valid verification and without giving the consumer adequate opportunity to dispute. Furthermore, under 15 U.S. Code 1681s-2 ( b ), furnishers must investigate and correct inaccurate information once notified.

I am requesting that all late payment notations on these accounts be removed due to lack of full validation. I was not properly notified of these delinquencies, and I have not received legally sufficient documentation that verifies the validity and accuracy of the reported late payments. 

XXXX. Student Loan Accounts XXXX XXXX XXXX Pursuant to the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, educational data including student loan information tied to personally identifiable information is protected and can not be disclosed to third parties ( such as credit bureaus ) without the borrowers explicit written consent. 

The presence of these student loan tradelines on my credit file without documented consent represents a data privacy violation under FERPA and a breach of my federally protected rights. Therefore, I am demanding the complete removal of these accounts from all three credit bureaus. 

XXXX. Collections XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 U.S. Code 1692g ( FDCPA ), any debt collector must provide full written validation of a debt within five days of initial contact or reporting. These collection agencies have failed to provide complete documentation, including : Original signed contract or agreement Full itemized breakdown of the debt Chain of title showing legal assignment of the debt In addition, any medical-related debts ( if applicable ) must comply with CFPB guidelines XXXX XX/XX/year> ), which mandate the removal of : Paid medical collections Medical debts under {$500.00} Any medical debts reported without proper verification For these reasons, I demand that all collection accounts listed above be immediately deleted from my credit reports due to lack of verification, validation, or proper authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} Date Opened : 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 2025-06-07 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 XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : 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 a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX under the account ( private ), XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX under the account ( private ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account ( private ), XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account ( private ), XXXX 's on XX/XX/XXXX under account ( private ), XXXX  opened on XX/XX/XXXX under ( private ), XXXX opened XX/XX/XXXX under account number ( private ) and XXXX XXXX opened XX/XX/XXXX under account number ( private ). 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 FICO credit report. I've attached a list of the hard inquiries ( letter attached to documents 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 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 2025-06-07 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: KY

Complaint narrative:
Please see attached photos, I would like to have removed due to inaccurate information on credit reports, according to the FCRA, 15 U.S.C Section 1681i. This section requires that credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. and if the information is inaccurate, it must be DELETED. 

Transunion is showing a balance for XXXX XXXX  is showing a balance for XXXX Attachment is provided and please delete within 15 days per FCRA, 15 U.S.C Section 1681i.

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 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
XXXX XXXX Certified letter mailed to XXXX XXXX XXXX XXXX Request for Debt Validation for account XXXX. I mailed a letter to formally dispute the alleged debt accociated with my name and request vefirication of their claim to collect this debt. XXXX XXXX  Indigo credit card I never applied or accepted this card. I asked for them to provided Proffo of Ownership from XXXX XXXX  INDIGO. Completed Payment History with payment and and all transacttion. Verification of balance and XXXX support service right to collect the dated, On XX/XX/XXXX XXXX XXXX mailed a letter stating that they received my letter requestion information and after reviewing accounts notes and information from the previous creditor they have concluded that their information is accurate. They are asking that I list the charges on the final statement that I am disputing. they did not provided any information and are continuing to collect on a debt that I am disputing and asking for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: IL

Complaint narrative:
Someone opened a card with the company Upgrade in my name and made charges of nearly {$5000.00} on the card. I reported the fraud, and Upgrade refused to investigate the places the charges were made, and would not credit the account. After that, Upgrade sent the debt to debt collectors, who have been attempting to collect the debt since then. I made an identity theft report since then. The report was sent to Upgrade and XXXX XXXX XXXX, but the debt is still not being credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$2200.00} ; 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 XXXXUnder 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-07 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: MD

Complaint narrative:
On XX/XX/year>, I sent Equifax a formal dispute letter regarding an unknown and unauthorized collection account that appears on my credit report ( Account # XXXX ). 
Equifax received my dispute on XX/XX/year>, as confirmed by USPS return receipt ( proof attached ). 
Under the FCRA ( 15 U.S.C. 1681i ), Equifax was required to conduct an investigation and respond within 30 days. As of today, XX/XX/year>, more than 30 days have passed, and I have not received any written results of an investigation. 
Furthermore, the collection account remains on my credit report, even though no verification was provided within the legal time frame. 
This is a direct violation of the FCRA. 
I am demanding that Equifax immediately delete this unverified collection account and provide me with written confirmation. 
I am also submitting this complaint to document this legal violation and request CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I purchased a {$7300.00} custom-built computer from XXXX XXXX XXXX PayPal Pay Later, financed by XXXX ( XXXX XXXX XXXX  ). The package never arrived. I opened a dispute with PayPal on XX/XX/year>. XXXX confirmed that the item was auto-signed using only my last name ( I never signed ) and no delivery photo exists. Despite this, PayPal denied the dispute and is now attempting to collect the full amount through XXXX. 

On XX/XX/XXXX, I submitted a police report. XXXX confirmed that no photo was captured, and no XXXX  evidence was used. The signature was auto-filled, and not valid proof of receipt. On XX/XX/XXXX, PayPal 's Executive Office issued a final denial even though the case still appeared open in the Resolution Center. This undermines PayPals internal process and denies me the ability to properly escalate through their platform. 

On XX/XX/XXXX just 4 days after my first missed payment I received a debt collection notice from XXXXXXXX XXXX XXXX despite the dispute being unresolved. This violates the Fair Credit Billing Act ( FCBA ), which prohibits collection attempts on a charge while it is under dispute. The collection email explicitly stated it was an attempt to collect a debt. 

I followed all steps to resolve the issue through PayPal : submitted a police report, provided XXXX confirmation, appealed the decision, and even notified the Executive Office. Yet they have refused to reverse the charge or acknowledge the lack of valid proof of delivery. Meanwhile, XXXX is pursuing collection action, adding financial and emotional stress to an already unresolved case. 

This shows a systemic failure of PayPals Buyer Protection process and a premature collection effort by XXXX, despite insufficient evidence that I received the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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 found this inquires in my credit report that do not belong to me and under the fair credit reporting i woul like to request that they be removed because i never authorized them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I Reopen a new WELLS FARGO XXXX, XX/XX/XXXX. Couple days i get notified about my account closing down, due to a fraud, scam I had in XXXX. Which was never my fault. I am writing to express my extreme dissatisfaction with the unfair treatment I have received from Wells Fargo.

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 2025-06-07 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: IN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies/unauthorized accounts. information regarding the 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 2025-06-07 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: IN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies/unauthorized accounts. information regarding the 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 explanation