vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX SSN ( XXXX ) Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries FCRA 604 ( a ) ( 2 ) & I am writing to dispute several hard inquiries that appear on my credit report, which I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), no company or individual may access a consumers credit file without a permissible purpose or written authorization. 

After carefully reviewing my credit report from IdentityIQ ( Reference # XXXX, Report Date : XX/XX/XXXX ), I identified the following inquiries that were not authorized by me and have no permissible purpose : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no active credit applications or existing accounts with these companies that would justify these inquiries. Therefore, they appear to be unauthorized and potentially fraudulent.

In accordance with FCRA 611, I am requesting that your office : 1. Conduct a full reinvestigation of each inquiry listed above.

2. Delete any inquiry that can not be verified as authorized by me.

3. Provide a written statement identifying the companies that accessed my report, the permissible purpose cited, and the verification method used.

Enclosed are copies of my government-issued ID and proof of address to verify my identity. Please complete your investigation within the 30-day period required by law and send me a written summary of your findings along with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a Chapter XXXX Bankruptcy ( XXXX XXXX. XXXX ) reported by Experian. 

The bankruptcy record listed on my credit report is inaccurate and unverifiable. The XXXX XXXX  Courts do not furnish consumer information directly to Experian, and the data appears to originate from third-party databases such as XXXX or XXXX. 

I submitted a formal dispute under FCRA 609 and 611, along with an FTC Identity Theft Report, but Experian has not provided the name of the furnisher or documentation verifying accuracy as required by law.

I request the CFPB to investigate Experians reporting of this unverifiable XXXX  and ensure deletion under FCRA 611 ( a ) ( 5 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
Credit control LLc has been added to my credit report in which I never did business with or heard of company. Account needs to be removed and my credit report needs to be updated with the removal reflecting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
CFPB, I am submitting this complaint regarding River Valley Laojs due to repeated denials of my loan applications without any clear reasoning or opportunity to qualify. Despite providing accurate and verifiable information, my applications continue to be declined.

I believe this pattern of denials is unfair and lacks transparency. The company advertises loans for consumers with a range of credit situations, yet they have consistently denied me without explanation or meaningful review. I am very frustrated with this experience and believe the companys practices may be inconsistent with fair lending standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: MA

Complaint narrative:
I am disputing inaccurate and duplicate credit reporting involving XXXX XXXX XXXX XXXX and XXXX XXXX. 

Experian currently lists XXXX XXXX XXXX XXXX as a collection account, while Equifax lists XXXX XXXX for the same balance. 

This is duplicate and misleading reporting under FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ). 
I am filing this complaint against the credit bureaus because they are continuing to report conflicting, unvalidated information from two different furnishers. 

XXXX, an insurance company, is not a licensed debt collector and can not legally furnish or verify consumer debt as a collection. 

If XXXX sold or assigned the balance, their tradeline should have been deleted. 

Conversely, if XXXX still owns the debt, the XXXX XXXX tradeline is false. 
Neither company has provided ownership documentation, validation, or proof of the right to furnish this data. 

I request that Experian and Equifax delete both entries immediately for inaccurate and unverified reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX reporting a business-purpose loan under my company XXXX XXXX XXXX ( XXXX XXXX XXXX a personal mortgage using my Social Security number without consent. This loan was never personal. My Shellpoint statement shows a {$0.00} principal balance, yet they continue to charge interest and fees, and it appears as an active individual account on my credit report. These actions violate the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), Gramm-Leach-Bliley Act ( GLBA ), Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ). I request correction of all inaccurate information, removal from my personal credit, and investigation into XXXX unauthorized use of my SSN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: FL

Complaint narrative:
Inconsistencies in the information provided by consumer of the value of the car and the mechanical issues with the car, which was the reason the car was returned to consumer due issues, not disclosed at sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received an email informing me that my XXXX  exchange account has been suspended and I can not make new purchases with my XXXX  card and that my account was " not in good standing ''. No further details were provided. This vague reasoning provides no insight into why my account was suspended. I have made all credit card payments on time, I never carry a balance, and I buy XXXX like any normal person would on the exchange. 

The only reason I could think of as to why they would suspend my account is so that they block my recurring buy orders to purchase XXXX. This is because if you keep a recurring buy order for 3 months, you'll receive {$50.00} reward into a XXXX  of your choice. This suspension also prevents me from reaching the spending bonus of {$200.00} that you receive after spending {$3000.00} on the credit card. 

It is clear that Gemini has suspended my entire account to prevent me from receiving the credit card bonus, and the recurring buy order crypto bonus ( {$250.00} worth of rewards ). 

This account suspension has also blocked me from accessing my funds on my XXXX  exchange. I am completely locked out of withdrawing, transferring, and trading my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C SYSTEM INC XX/XX/year> I tried to contact the company but was unsuccessful. I was trying to Inform the company that this debt does not belong to me. I never had XXXX XXXX XXXX XXXX at all. I never signed up for XXXX XXXX XXXX XXXX home services. which is why i was shocked to find it on my credit report. The Information is not Accurate nor it doesn't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Disputed via email XX/XX/year>. They sent only XXXX  statement no purchase agreement/chain of title. Resumed contact via email/mail, violating FDCPA 1692g ( b ). Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Formal Demand for Validation and Investigation Results- Account XXXX XXXX Debt Collector Name and Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Debt Validation and Cease of Collection Activities Pending Verification To Whom It May Concern, This correspondence constitutes a formal demand for debt validation and investigative disclosure pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
You are hereby required to produce complete and verifiable documentation substantiating your legal right to collect the alleged debt referenced above, including but not limited to proof of Ownership and Assignment : A complete chain of custody or assignment demonstrates lawful transfer of this debt, from the original creditor to your agency. Executed Contract : A true and complete copy of any signed agreement or contract bearing my signature, establishing my legal obligation to the alleged debt. Detailed Accounting : A comprehensive itemization of all debits, credits, interest, and fees claimed to be owed. Licensing Verification : Proof that your agency is duly licensed and authorized to collect debts in my state of residence.

Pursuant to 15 U.S.C. 1692g ( b ), all collection activity must cease immediately until you furnish the documentation required for proper validation. Any attempt to collect, report, or communicate this debt to third parties in the absence of validation shall constitute a willful violation of federal law and may result in civil liability under both the FDCPA and FCRA. 
Should you fail to provide full verification within XXXX calendar days of receipt of this notice, you are expected to : Permanently cease all collection efforts, remove any negative reporting from all consumer reporting agencies, and Refrain from any further contact except to confirm cessation. 
This notice does not constitute an acknowledgment of the alleged debt, not a waiver of any of my rights under federal or state law. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
XX/XX/year> Southwest Recovery Services XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Re : Account Nos. XXXXXXXX XXXX XXXXXXXX This correspondence constitutes a formal demand for debt validation and investigative disclosure pursuant to my rights The Fair Debt Collection Practices Act ( 15 USC 1692g ( b ) ). 

You are hereby required to produce complete and verifiable documentation substantiating your legal right to collect the alleged debt reference above, including but not limited to : Proof of Ownership and Assignment : a Complete chain of custody or assignment demonstrating lawful transfer of this debt, from the original creditor to your agency. Executed Contract : A True and complete copy of any signed agreement or contract bearing my signature, establishing my legal obligation to the alleged debt. Detailed Accounting : A comprehensive itemization of all debits, credits, interest, fees claimed to be owed. Licensing Verification : Proof that your agency is duly licensed and authorized to collect debts in my state of residence.

Pursuant to 15 USC 1692g ( b ), all collection activity must cease immediately until you furnish the documentation required for proper validation. Any attempt to collect, report, or communicate this debt to third parties in the absence of validation shall constitute a willful violation of federal law and may result in civil liability under both FDCPA and FCRA. 

Should you fail to provide full verification within XXXX calendar days of receipt of this notice you are expected to : Permanently cease all collection efforts, Remove any negative reporting from all consumer reporting agencies, and Refrain from any further contact except to confirm cessation. This notice does not constitute an acknowledgement of the alleged debt, nor a waiver of any of my rights under state or federal law. 

Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Disputed Auto Loan Charges and Aggressive Collection Account # XXXX -- - Dear CFPB Representative, I am submitting this complaint regarding Credit Acceptance Corporation, concerning my auto loan account # XXXX, tied to my XXXX XXXX XXXX. 

Despite making consistent payments of {$770.00} per month, as documented in my XXXX XXXX records ( see attached transactions from XXXX, XXXX, XXXX, and XXXX ), Credit Acceptance has reported a past due balance of {$1800.00}. This figure is inaccurate and does not reflect the actual payments made. 

They have now issued a payment due notice dated XX/XX/XXXX, claiming a total due of {$2600.00}, despite my on-time payment history. This contradicts both the agreed loan terms and the payment history reflected in my own records and those tracked by XXXX XXXX. 

Moreover, I have received multiple calls and messages, including on Sundays, from different numbers ( some matching known Credit Acceptance contacts ). One agent even stated that they would " continue calling every day '' until I agreed to payment terms that exceed the originally agreed monthly amount. This appears to violate fair debt collection practices, especially when my dispute remains unresolved. 
I am requesting the CFPB review the following : Misrepresentation of past-due amounts Harassment and excessive contact Inaccurate credit reporting ( as XXXX XXXX reflects a disputed amount ) Potential violations of the Fair Debt Collection Practices Act ( FDCPA ) I have included : Screenshots of my payment transactions The payment due notice showing conflicting charges My XXXX XXXX loan history reflecting disputed debt Please advise how I may proceed further, and request that Credit Acceptance correct their records and cease all coercive collection attempts during this review. 

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 2025-11-02 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: LEXISNEXIS
State: NC

Complaint narrative:
I am XXXX XXXX, and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: MA

Complaint narrative:
I am disputing inaccurate and duplicate credit reporting involving XXXX XXXX XXXX XXXX and XXXX XXXX. 

Experian currently lists XXXX XXXX XXXX XXXX as a collection account, while Equifax lists XXXX XXXX for the same balance. 

This is duplicate and misleading reporting under FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ). 
I am filing this complaint against the credit bureaus because they are continuing to report conflicting, unvalidated information from two different furnishers. 

XXXX, an insurance company, is not a licensed debt collector and can not legally furnish or verify consumer debt as a collection. 

If XXXX sold or assigned the balance, their tradeline should have been deleted. 

Conversely, if XXXX still owns the debt, the XXXX XXXX tradeline is false. 
Neither company has provided ownership documentation, validation, or proof of the right to furnish this data. 

I request that Experian and Equifax delete both entries immediately for inaccurate and unverified reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am exercising my right to have all information relating to these accounts blocked and deleted from my credit file, as they were reported in error and/or are the result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Regional Management Corporation
State: TX

Complaint narrative:
CFPB Complaint Regional Finance / Inaccurate Reporting, Lack of Validation, and Re-Aging Violations I am filing this complaint against Regional Finance for inaccurate, misleading, and potentially unlawful credit reporting and collection practices in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

The Regional Finance account on my credit report is reported as closed and charged off but continues to update monthly with new derogatory marks and an inflated balance. The account shows a reported balance of {$3200.00}, even though the highest balance was only {$2800.00}. This means the reported balance exceeds the amount originally borrowed, creating a false and misleading record of ongoing delinquency. 

In addition, the account is listed as : Closed XX/XX/year>, yet last reported on XX/XX/year>, showing continued updates after closure. 

Marked with late payments and derogatory notations for months following the charge-off, which is inaccurate and prohibited once an account is written off as Profit and Loss.

Reporting monthly after charge-off, which may constitute unlawful re-aging under FCRA 605 ( c ) by extending the life of the derogatory information beyond the true Date of First Delinquency ( DOFD ).

Under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ), furnishers must ensure maximum possible accuracy and are prohibited from knowingly reporting false or misleading information. Updating a charged-off account, inflating the balance, and failing to report the correct DOFD all violate these provisions. 
Additionally, under FDCPA 809, Regional Finance is required to provide proper debt validation upon request, including documentation showing proof of the debt, the current creditor, the amount owed, and the original date of default. To date, Regional Finance has failed to provide any of these materials or proof that it retains ownership or legal authority to report or collect this account. 


I have retained documentation and screenshots from my credit reports showing the inaccurate balances, continued monthly updates, and inconsistent reporting dates. These violations have harmed my credit and created misleading credit data that does not accurately reflect my financial history.

Company response to consumer: Closed with explanation