vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of complaint : I experienced a data breach which resulted in a compromise of my personal information. The breach led to fraudulent accounts and debts being created in my name. I am requesting CFPB to consider this when reviewing their credit report and take action to correct inaccuracies. I discovered my personal information, including my SSN and email login credentials, was exposed to multiple data breaches. Fraudulent information subsequently appeared on my credit report. I sent a letter to the credit reporting agencies ( Experian, Equifax, Transunion ) requesting clarification on their investigation methods but received no response. Then I requested the CFPB to explain their investigation process and method of verification. I also experienced data breaches potentially leading to identity theft. I am requesting the removal of any negative credit information, including student loans, judgements, inquiries, negative items, personal loans, from my report under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To : BANK OF AMERICA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Charge-Off Request for Investigation and Deletion Under 15 U.S. Code 1681c ( c ) ( 2 ) Dear BANK OF AMERICA I am writing to formally dispute the accuracy and continued reporting of a charge-off account that appears on my credit report. The account in question is listed as follows : Creditor Name : BANK OF AMERICA Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date of Last Activity or First Delinquency : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c ( c ) ( 2 ), any item of adverse information that has been resolved, paid, settled, or is beyond the seven-year reporting period must be deleted if a written request is made by the consumer. I am exercising that right under federal law.

15 U.S. Code 1681c ( c ) ( 2 ) states : A consumer reporting agency shall not furnish a consumer report that contains any item of information about a consumer after the expiration of the period described in subsection ( a ) [ typically 7 years ], except as authorized under subsection ( b ). 
I am formally requesting that you : Conduct a reinvestigation of this charge-off account as required by 15 U.S. Code 1681i ( a ).

Verify the accuracy, completeness, and legality of the reporting of this account. 
Delete the charge-off account if it is unverifiable, incomplete, or beyond the statutory reporting period. 
Send me written confirmation of your findings and the outcome of your investigation within 30 days as required by law. If this account can not be fully verified and updated in compliance with all federal regulations, it must be deleted from my credit report. 

This letter is sent in good faith in accordance with my rights under the Fair Credit Reporting Act. Please consider this my formal dispute and request for deletion under federal law. 

Sincerely, 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To : BANK OF AMERICA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Charge-Off Request for Investigation and Deletion Under 15 U.S. Code 1681c ( c ) ( 2 ) Dear BANK OF AMERICA I am writing to formally dispute the accuracy and continued reporting of a charge-off account that appears on my credit report. The account in question is listed as follows : Creditor Name : BANK OF AMERICA Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date of Last Activity or First Delinquency : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c ( c ) ( 2 ), any item of adverse information that has been resolved, paid, settled, or is beyond the seven-year reporting period must be deleted if a written request is made by the consumer. I am exercising that right under federal law.

15 U.S. Code 1681c ( c ) ( 2 ) states : A consumer reporting agency shall not furnish a consumer report that contains any item of information about a consumer after the expiration of the period described in subsection ( a ) [ typically 7 years ], except as authorized under subsection ( b ).

I am formally requesting that you : Conduct a reinvestigation of this charge-off account as required by 15 U.S. Code 1681i ( a ). 
Verify the accuracy, completeness, and legality of the reporting of this account. 
Delete the charge-off account if it is unverifiable, incomplete, or beyond the statutory reporting period. 
Send me written confirmation of your findings and the outcome of your investigation within 30 days as required by law. If this account can not be fully verified and updated in compliance with all federal regulations, it must be deleted from my credit report. 

This letter is sent in good faith in accordance with my rights under the Fair Credit Reporting Act. Please consider this my formal dispute and request for deletion under federal law. 

Sincerely, 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 2025-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX XXXX I opened a new HYSA with lending club. I wanted to transfer all my funds to that account from my Synchronny bank account. I initiated the transfer on the XXXX side and was informed it would be completed XX/XX/XXXX due to holidays. XX/XX/XXXX I got a message from synchronny bank saying my account has been restricted with no specific reason listed ( other than protecting against unauthorized use ) I did not recieve a fraud notice to confirm it was me or anything just immediate restriction. I looked up similar peoples problems and they have stated 60+ days until getting the account unrestricted. This is unreasonable for me simply wanting to change banks for my savings.

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 2025-07-06 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: GA

Complaint narrative:
i sent letters to equifax on XXXX about inaccurate personal information, inquiries, and accounts including copy of the credit reports from all 3 bureaus that shows the inaccurate information per 15 usc 1681eb, i am requesting deletions of this inaccurate and incomplete information from my credit report in a timely manner. i have copies of the letters below for your reference. today it XXXX and i have not heard from them concerning my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MT

Complaint narrative:
Member of USAA credit card for nearly 20 years. I am currently serving as XXXX XXXX XXXX XXXX XXXX Recent recieved a statement from USAA saying they dont think Im XXXX anymore and are bumping my rate from 4 % to 14.5 %. I called them and spoke to the SCRA department who told me they just arent honoring SCRA for anyone anymore. She said due to internal changes in XX/XX/XXXX, they no longer offer SCRA. I applied again online to SCRA just to see if she was wrong, provided a copy of my orders, however I Just received more feedback as of XX/XX/XXXX saying they will not honor SCRA.. I thought this was a federal law to honor.. idk .. sucks because I have a large balance and wasnt given much time to figure this out. Ive always been on time for my payments and pay nearly twice the minimum payment.

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 2025-07-06 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 requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumers, this must be provided within 15 days in order to be in compliance with FCRA 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumers, this must be provided within 15 days in order to be in compliance with FCRA guideline 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

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 2025-07-06 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: CA

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 compromise without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request an immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons from my request ; Violation of the family education 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 access and shared without my authorization of my privacy rights under federal law. Violation of the higher education act ; As a student loan borrower, my information should have been protected, by the mishandling of my data demonstrates a failure to hold 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 authorize disclosure to third parties.

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

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 compromise without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request an immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons from my request ; Violation of the family education 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 access and shared without my authorization of my privacy rights under federal law. Violation of the higher education act ; As a student loan borrower, my information should have been protected, by the mishandling of my data demonstrates a failure to hold 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 authorize disclosure to third parties.

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 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
CAVALRY PORTFOLIO SERVICE, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, ( XXXX ) XXXX has placed a mark on my credit report and continually calls to harass and intimidate me into paying a debt which was settled many years ago. They have not provided me substantiation but rather intimidation and now further trying to intimidate me by placing this o my credit report. I never had any agreement with Cavalry and had any financial transaction with them. They appear to be a junk debt purchaser which attempts to collect illegitimate debts without proper validation or substantiation. Cavalry is attempting to collect on a {$330.00} credit card transaction which I paid in full over three years ago to XXXX. This balance was paid in full. If there is any remaining consideration then XXXX, the party I had a credit card with, and myself should be bring this before a proper legal court to hear the facts and provide a legal resolution. this can not simply be purchased by a junk collector who then tries to intimidate me into paying when they do not have the complete details and can not provide me any substantiation. I want this Cavalry stopped from calling, intimidating, and I want this removed from my credit report immediately. This is not fair and not legal. If there is any issues I am willing to to sit before a court of law with XXXX and we can both present our facts and I can show my full payment. Cavalry has no standing in this transaction and should refrain from harassing me further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: NY

Complaint narrative:
My name is XXXX XXXX I am filing this complaint because Experian is reporting inaccurate and unverifiable information on my credit report regarding my XXXX XXXX XXXX XXXX account. 

I recently submitted a dispute to Experian pointing out several clear errors, including repeated Invalid date entries in the comments and payment history section. Despite these obvious inaccuracies, Experian marked my dispute as updated and verified within only 2 hours, which is not a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). 

The account continues to report incorrect payment history, inconsistent charge-off dates, and invalid dates in multiple fields, which makes the account inaccurate and misleading. 

I am requesting that the CFPB require Experian to : Fully investigate this account with proper documentation from XXXX XXXX XXXX XXXX. 
Provide me with a clear Method of Verification ( MOV ) describing exactly how they verified the account. 
Permanently delete this inaccurate account from my credit report if they can not provide proper validation. 

I have attached screenshots showing the inaccurate reporting and the Experian dispute result, which was completed in an unreasonably short time with no meaningful 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 2025-07-06 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:
I have recently reviewed a copy of my credit report and noticed several inaccuracies as well as unauthorized accounts/ information reporting to my credit report. These findings have been detrimental to my life and my 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
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
The name of this account is XXXX. Disputes actions were done sometime in XXXX, XXXX, and XXXX. I sent a copy of the validation letter from the creditor to TransUnion, along with my previous complaint that the information on the report could not be validated. 

Therefore, TransUnion should have deleted the late payments from my credit report. I have hired an attorney, and he directed me to file a complaint again, and if the late payments information is not deleted from my credit report, a lawsuit will be filed immediately.

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 2025-07-06 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2400.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Disputed the collection from each of the three credit reports

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

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXXRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g To Whom It May Concern : I am writing in response to your recent attempt to collect a debt, referenced as Account #, which you allege I owe. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ).

I hereby request that you validate this debt as required by 15 U.S.C. 1692g ( b ). Specifically, I am requesting the following : The name and address of the original creditor ; The original amount of the alleged debt, and an itemized breakdown of any interest, fees, or charges added ; A copy of the original signed agreement or contract that gives you the right to collect this debt ; Proof that you are licensed to collect debts in my state ( if required ) ; Documentation showing the chain of title ( proof of assignment or sale ) if the debt was purchased or transferred from another entity. 


Until this information is provided, I request that you cease all collection activities, including reporting this debt to the credit bureaus or pursuing legal action. 
Please note that any attempt to validate this debt using only screenshots, spreadsheets, or unverifiable records is not acceptable. I expect clear and complete documentation proving that the debt is valid and that your agency has the legal right to collect it. 
If you can not validate this debt within 30 days, you must cease collection efforts and delete any reference to this debt from my credit reports in accordance with the FDCPA. 
This is a formal notice, and I am documenting all communications for record-keeping purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am attaching a letter detailing my complaint about LVNV Funding LLCs failure to validate a debt and their continued collection and credit reporting activity, which may violate the FDCPA and FCRA LVNV Funding LLC is attempting to collect a debt that I do not recognize and have not received proper validation for. Despite my attempts to resolve the matter, they have continued to report this account on my credit file and/or attempted to collect the debt without providing adequate proof of the debts validity, as required under 15 U.S. Code 1692g.

Additionally, the company may have reported inaccurate or unverifiable information to the credit reporting agencies, which is a violation of the FCRA.

Company response to consumer: Closed with explanation