vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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 recently reviewed my credit report and noticed an account that was not reporting accurately, I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payment. 
Account name : XXXXXXXX XXXX Account number : XXXX Date : XX/XX/year> I'm requesting that you investigate and update to paid on time. 

Thank You.

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 2025-06-05 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 


EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-05 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: IN

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 


EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Enterprises, LLC
State: WY

Complaint narrative:
After being involved in an XXXX that I was not at any fault for, I was taken into the XXXX. I did not receive ANY bills from the hospital that sent me to collections. I was unaware of the amount I owed, or that I even owed anything, from not receiving these bills. I come to believe that those bills were sent to a different address, and I was not notified. When sent to collections, I did not receive the written notice before receiving the first debt bill, nor an itemized bill of what I owe. AFTER making my first complaint on XX/XX/year> for the debt collector about documents not received, they had sent an itemized bill to my email which i received on XX/XX/year>. I then received a paper copy of the itemized bill in the mail, along with other documents that were supposed to be sent before I received by first collection bill. The itemized bill shows that I owe XXXX, but the collection debt bill is for the amount of XXXX. I did not receive any further documents describing the disparity between the two amounts, or what I am being charged the remaining amount for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent account on my report. Please remove these accounts from my report they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : XXXXDOFED XXXX Balance : {$42000.00} XXXXDOFED XXXX Balance : {$7300.00} XXXXDOFED XXXX Balance : {$5500.00} XXXXDOFED XXXX Balance : {$4200.00} XXXXDOFEDXXXX Balance : {$3500.00} XXXXDOFED XXXX Balance : {$2400.00} XXXXDOFED XXXX Balance : {$2400.00} XXXXDOFED XXXX Balance : {$190.00} XXXXDOFED XXXX Balance : {$190.00} XXXXDOFEDXXXX Balance : {$42000.00} XXXXDOFEDXXXX Balance : {$4900.00} XXXXDOFED XXXX Balance : {$5500.00} XXXXDOFEDXXXX  Balance : {$4200.00} XXXXDOFED XXXX Balance : {$2400.00} XXXXXXXXDOFED XXXX Balance : {$2400.00} XXXXDOFED XXXX Balance : {$190.00} XXXXDOFED XXXX Balance : {$190.00}

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : XXXXDOFED XXXX Balance : {$42000.00} XXXXDOFED XXXX Balance : {$7300.00} XXXXDOFED XXXX Balance : {$5500.00} XXXXDOFED XXXX Balance : {$4200.00} XXXXDOFEDXXXX Balance : {$3500.00} XXXXDOFED XXXX Balance : {$2400.00} XXXXDOFED XXXX Balance : {$2400.00} XXXXDOFED XXXX Balance : {$190.00} XXXXDOFED XXXX Balance : {$190.00} XXXXDOFEDXXXX Balance : {$42000.00} XXXXDOFEDXXXX Balance : {$4900.00} XXXXDOFED XXXX Balance : {$5500.00} XXXXDOFEDXXXX  Balance : {$4200.00} XXXXDOFED XXXX Balance : {$2400.00} XXXXXXXXDOFED XXXX Balance : {$2400.00} XXXXDOFED XXXX Balance : {$190.00} XXXXDOFED XXXX Balance : {$190.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This letter is in response to your XX/XX/year>XXXX  correspondence concerning the account allegedly acquired by LVNV Funding LLC, originally with XXXX, and currently being reported to the credit bureaus under my name. 
After reviewing your response, I must reiterate that I dispute the validity of this alleged debt for the following reasons : Your letter claims that this account has been properly verified under the FDCPA. However, the documents you provided ( statements and boilerplate terms and conditions ) do not constitute legal validation of the debt. Specifically, your response failed to include : A signed agreement linking me to XXXX  or any contractual obligation ; A complete chain of title showing lawful transfer from XXXX to LVNV Funding ; Proof that LVNV Funding has the legal right to collect or report this debt. 


Merely restating amounts and enclosing internal billing documents does not meet federal validation standards. 

Under UCC 9-406 ( c ) and industry standards, I am entitled to request proof of assignment. Your refusal to produce a redacted purchase agreement or similar legal transfer documentation is concerning. If LVNV Funding can not demonstrate a lawful and verifiable chain of title, it has no legal basis to collect or report this debt. 

The continued reporting of this alleged account on my credit file, in light of your failure to validate it, raises serious compliance concerns under the Fair Credit Reporting Act. Data furnishers are required to ensure information is complete and accurate. If you can not verify legal ownership, this account must be removed from all credit reports immediately. 

I hereby request that you : Cease all collection activity on this account ; Delete the tradeline from all consumer reporting agencies ; Provide a detailed breakdown of how the balance was calculated, including any interest or fees added after charge-off ; Furnish proof of how and when this debt was allegedly incurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regulation E Claim for XXXX XXXX Dear Regions Bank Dispute Resolution Department, I am writing to formally dispute an unauthorized transaction on my account, associated with the account holder XXXX XXXX. This dispute is filed under the provisions of Regulation E ( 12 CFR Part 1005 ), which governs electronic fund transfers.

The unauthorized transaction occurred on approximately [ XXXX ] for the amount of $ [ XXXX ]. This transaction was made to an ATM, XXXX, and XXXX transactions and I did not authorize it. 
My card was stolen and phone hacked. 
As per Regulation E, I request that you promptly investigate this matter, provisionally credit my account for the unauthorized amount, and provide me with the results of your investigation within the timeframes specified by the regulation. I understand that under Regulation E, a financial institution generally has 10 business days to investigate a claim ( 20 business days for new accounts ) and must provisionally credit the account if the investigation can not be completed within this initial period. 
Please send me confirmation of receipt of this dispute letter. I am available to provide any additional information or documentation you may require to assist with your investigation. 
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 2025-06-05 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: NJ

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : US DEPT ED # XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/2025

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 2025-06-05 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : 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 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 XXXXXX/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 2025-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
Ive had nothing but problems with Mohela as my student loan servicer. My due dates change constantly without notice, and my payment amounts fluctuate with no explanation. It's impossible to budget or plan around this chaos. 

Ive sent dozens of emails and called multiple times, and no one ever replies or calls back. Ive been attempting to open a line of communication with them since I XXXX  an entire year ago, and have maybe only had ONE email sent back to me with a fraction of the information I was seeking. The customer service is non-existent. I have yet to succeed getting someone on the phone. 

Their website is a nightmare. Half the time it wont even load properly, and when it does, accessing my loan information is hit or miss. I've had issues logging in, viewing balances, and making payments. 

This level of dysfunction is unacceptable, especially for something as serious as student loans. Mohela is failing its borrowers, and no one seems to be held accountable. I strongly urge anyone considering them to be aware of what they're getting intoand I hope the Department of Education reconsiders their contract with this servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I was the victim of a scam involving a criminal impersonating my bank. 

On Friday, XX/XX/XXXX, I received a text then a call from someone pretending to be from Wells Fargo. They used convincing tactics and personal details to make me believe they were legitimate. They claimed there was fraudulent activity on my account and told me to send money to a safe account. Acting under fear and false pretenses, I sent {$2300.00} via XXXX XXXX on to what I was told would be my temporary card while my account was being recovered. 

When I realized the scam and reported it to Wells Fargo, they denied my fraud claim because I authorized the transaction. However, I believe this should fall under a bank impersonation scam, where the transaction was not truly authorized, and where the CFPB has encouraged banks to provide redress. Ive asked the bank to reconsider based on this guidance, but they have not resolved the issue in my favor.

Im requesting the CFPB to investigate and assist in securing a full refund of my lost funds. I can provide all documentation and communication upon request

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 2025-06-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Requested assistance when got into trouble during covid issues and they would not help lower the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I have sent multiple written disputes and debt validation requests to this company ( Portfolio Recovery Associates ) regarding an alleged debt they are reporting on my credit file, totaling {$620.00}, opened around XX/XX/year>. 

Despite these requests, they have failed to provide proper and complete documentation, including : Original signed contract from the original creditor Chain of assignment Forward flow agreement Complete payment history and itemization Additionally, I believe this account has been re-aged, as it continues to update on my credit report and appears more recent than it should. This is a direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting that this account be permanently removed from all consumer credit reporting agencies and for CFPB to investigate the companys failure to validate the debt after repeated attempts to resolve it directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} 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 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 2025-06-05 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 was surprised to find a late payment listed on my account, especially given my consistent history of timely payments. This error is causing undue stress, and I kindly request that you correct my records promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
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

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