vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: MI

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-08-16 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: MI

Complaint narrative:
On XX/XX/XXXX, I disputed a XXXX XXXX XXXXXXXX credit-card tradeline reported as charge-off with balance {$7200.00} and past due {$7200.00}. Equifaxs data conflicts with XXXX  on key points : XXXX shows Date opened XX/XX/XXXX, High credit {$6100.00}, Credit limit {$0.00}, Date last active XX/XX/XXXX, Date of last payment XX/XX/XXXX, Last reported XX/XX/XXXX, all of which differ from XXXX  values. The account is also coded with XXXX XXXX monthly payment despite being revolving, and my disclosure does not include the DOFD or itemized charge-off ledger. This fails FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) and triggers my rights under 611 ( 15 U.S.C. 1681i ) and 623 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXXXXXX 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-08-16 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Helps my rights are being violated. 15 USC 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence tht validates the debt-incluiding a signed agreemente, full account history and verification of your authoritu to collect-you must cease all collecion efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL, XXXX XXXX XX/XX/XXXX Via Certified Mail Return Receipt Requested Kikoff Lending LLC XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Formal Dispute & Debt Verification Demand Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX To Whom It May Concern : This letter serves as a formal dispute of the above-referenced account pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) where applicable. 

Your company is reporting the following derogatory information to one or more credit reporting agencies : Account Status : Closed One late payment reported as 90 days past due in XX/XX/XXXXXXXX  I dispute the accuracy and completeness of this reporting and demand full verification of the alleged debt and the claimed late payment. My rights are protected under : FCRA 611 ( a ) ( 1 ) ( A ) Duty to reinvestigate disputed information.

FCRA 607 ( b ) Obligation to assure maximum possible accuracy. 

You are hereby required to provide : 1. A complete and itemized payment history for the account.

2. The name and address of the original creditor.

3. A copy of any signed agreement bearing my signature that created this alleged obligation.

4. Documented proof that the reported 90-day delinquency in XX/XX/XXXXXXXX  is accurate, verifiable, and not the result of reporting error. 
5. The name and title of the individual who verified this information with the credit bureaus. 

Until full verification is provided, you must immediately cease reporting this account as delinquent to any credit reporting agency. Failure to comply will constitute continued willful violation of the FCRA and may subject your company to legal action.

If you are unable to produce the requested documentation, you are required by law to delete this account and all related derogatory information from all credit reporting agencies to which it was furnished. 

I expect your written response within 30 days of your receipt of this letter, as required by law. All future communication must be in writing. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  -Balance {$1100.00} UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who XXXX  XXXX  XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance.

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
The detailed information requested for this section is included in the attached letter with supporting documents. 

As a victim of identity theft, I requested documentation from the collector to validate the debt in question. This request is my right under the Fair Debt Collection Practices Act. 

The collector has ignored both of my requests despite receiving documentation to support the identity theft. The collector is aggressively seeking a judgement for the debt through the court. 

Immediately following the initial court date, the collector sent me an Affidavit to sign that asks me to provide them with how much I think I owe on the account, the listed users on the account, when the fraudulent transactions occurred, and five samples of how I sign my name for law enforcement.

It seems that the collector is ignoring the fact that identity theft involves the fraudulent acquisition and use of a person 's private identifying information, usually for financial gain. 

The collector was provided with documentation from the local police, FBI and IRS to validate the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XX/XX/year> To Whom It May Concern, This letter is sent pursuant to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). I am disputing the account reported under the name LVNV Funding LLC XXXX Resurgent Capital Services, which appears on my consumer credit report. I formally requested validation of this account, and to date, your agency has failed to provide proper documentation substantiating the debt in accordance with federal law. 
Under Metro 2 compliance guidelines and federal consumer protection laws, any account reported must be XXXX % accurate, verifiable, and complete. In the absence of validation, the continued reporting of this account constitutes a violation of the FCRA and FDCPA. 
Therefore, I am formally demanding a CEASE AND DESIST on all collection efforts and credit reporting associated with this unvalidated account. Immediately remove this account from all consumer reporting agencies. If your office continues to report this unverifiable debt, I will pursue further action and file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 
Let this letter serve as final notice. You are to cease communication with me except to provide written confirmation of the removal of the account or to supply legally sufficient validation of the alleged debt. This letter is written without waiver of my rights and remedies, all of which are expressly reserved. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX SSN : * * * - * * XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
Since XX/XX/year>, I have been making bi-weekly payments to Speedy Cash using my debit card in varying payment amounts. The most recent payment happening XXXX XXXX. On XX/XX/year>, Speedy Cash attempted to initiate an ACH debit but the transaction was unsuccessful. I logged into my Speedy Cash portal to manually make the payment. 

I received a message, the card you have selected has failed governor rules. I attempted to reenter my card and received the same message. I reached out to Speedy Cash customer service via email sending a screenshot of the error message I was receiving and notifying them of my attempt to pay. 

I log back into my Speedy Cash portal and noticed the loan payment was accelerated and Speedy Cash stating I defaulted on the loan I attempted to pay. I reached out to customer service at XXXXXXXX XXXX at XXXX. I spoke with a representative who stated that there was an issue with Speedy Cashs system. The representative stated that the card ending in was under review. I asked, why the card was under review when I have been making payments utilizing that card since XXXX. 

She stated that I would have to speak to customer service. The representative attempted to initiate the payment on her end using the card ending in XXXX and was unsuccessful. She transferred me to customer service and they were closed. 

I was not notified by Speedy Cash by that there was an issue my card. Even this same card was ACH debited on XX/XX/year>. And I also attempted to make several payment attempts on XX/XX/year>. Speedy Cash accelerated the loan payment even though they havent disclosed why they arent accepting payments from a card Ive regularly used for previous payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MD

Complaint narrative:
I was reviewing my consumer report recently and I discovered that there were inaccuracies reported willfully and knowingly, which violates, per 15 U.S.C. 1681b and 15 USC 1681s-2 ( a ) ( 1 ). The information being reported has adversely affected my character, creditworthiness, reputation, and mode of living. As a consumer described under 15 U.S.C. 1692a ( 3 ), this is a clear violation of several federal laws including the FCRA, FDCPA, GLBA, and Title 18 under Identity Theft. 15 U.S.C. 6801 and 6802 emphasizes the importance of securing non-public personal information, and the agencies knowingly and willfully possessed and transferred this means of identification without authorization, a clear indication of 18 U.S.C. 1028. Therefore, I kindly demand a block of all accounts, per 15 U.S.C. 1681c-2 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: MD

Complaint narrative:
I was reviewing my consumer report recently and I discovered that there were inaccuracies reported willfully and knowingly, which violates, per 15 U.S.C. 1681b and 15 USC 1681s-2 ( a ) ( 1 ). The information being reported has adversely affected my character, creditworthiness, reputation, and mode of living. As a consumer described under 15 U.S.C. 1692a ( 3 ), this is a clear violation of several federal laws including the FCRA, FDCPA, GLBA, and Title 18 under Identity Theft. 15 U.S.C. 6801 and 6802 emphasizes the importance of securing non-public personal information, and the agencies knowingly and willfully possessed and transferred this means of identification without authorization, a clear indication of 18 U.S.C. 1028. Therefore, I kindly demand a block of all accounts, per 15 U.S.C. 1681c-2 ( a ).

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 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I submitted a formal Method of Verification request to TransUnion regarding a collection account reported by XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXXXXXX, {$2400.00} ). 

Under the Fair Credit Reporting Act 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ), TransUnion is required to disclose the method of verification, including : The name and contact information of the individual at the furnisher ( XXXX XXXX  ) who verified the debt, The method used to verify ( phone, e-Oscar, mail, etc. ), and The actual documentation relied upon. 

Instead of complying, TransUnion responded with a generic letter stating that the account was verified as accurate and then updated the account with a new Date Updated of XX/XX/year>. This constitutes : 1. Failure to provide the requested method of verification ( FCRA violation ). 
2. Re-aging of the debt by updating the date without changing the original Date of First Delinquency ( FCRA violation ).

3. Failure to conduct a reasonable reinvestigation as required by law.

I am requesting immediate deletion of this account from my TransUnion credit report. TransUnion has willfully failed to comply with the FCRA and continues to harm me by reporting unverifiable, inaccurate, and improperly re-aged information.

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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My partner and I applied for Barclays XXXX XXXX XXXX. Both approved. but checking the account showed our membership rewards were not attached/ enrolled. Called Barclays several times over course of 5 weeks. Initial response was to wait. Afterwards they recommended to call XXXX rewards with XXXX saying it is a common error made by Barclay. Called barclay again and they said call 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 2025-08-16 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: MS

Complaint narrative:
I attended XXXXXXXX XXXX XXXX XXXX for approximately 2 months in the XXXX  of XXXX, I received money ( a few XXXX ) from their school about 2 weeks after joining their program. I was told that it was leftover money from my government grant. After I stopped attending their online course, I was told I had to repay the loan. When I asked for proof of me signing for a loan, I was told Id recieve something in the mail or my email but I never did. Then several months later I saw that I had a bad mark on my credit report so I applied for student loan forgiveness, I was then told that I was approved. A few years have gone by and now Im seeing not 1, not 2, but 4 bad marks on my credit from ed financial services for XXXXXXXX XXXX XXXX  I want this removed immediately and Im now considering hiring a lawyer because this was misleading, I was lied to and now its affecting my credit score.

Company response to consumer: Closed with explanation