vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am following up on a previous dispute I submitted regarding identity theft affecting my credit profile. This is a resubmission that includes additional identification documents as requested by the credit bureaus for further verification. 

I, XXXX XXXX, am the verified victim of identity theft and have filed an official report with the Federal Trade Commission ( FTC ), Report XXXX XXXX, submitted on XX/XX/XXXX. The fraudulent account in question is : XXXX XXXX XXXX XXXX XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$7900.00} I did not authorize or open this account. It was fraudulently opened in my name, and I have no connection or contract with this company. Under FCRA Section 605B [ 15 U.S. Code 1681c2 ], I submitted a valid identity theft report and requested that the account be permanently blocked from my credit report. Despite my original submission, the credit bureaus have delayed action and requested further documentation, which is now provided with this submission. 

I am now using the CFPB complaint process to ensure this matter is resolved quickly and that this fraudulent account is removed from my credit file by all applicable credit bureaus ( Experian, Equifax, TransUnion ).

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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally request the validation of a debt that appears on my credit report, allegedly owed to your company in the amount of {$37000.00}. This request is made pursuant to my rights underSection 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ).

Please provide the following documentation to validate this debt : 1A copy of the original signed contract or agreement bearing my signature.

2A full accounting of the alleged debt, including how the amount of {$37000.00} was calculated. 
XXXXThe name and address of the original creditor.

4Documentation showing that LVNV Funding LLC has the legal right to collect this debt.

5A copy of any judgment, if applicable.

6Proof that this debt is being reported accurately to the credit bureaus. 

Until you provide the requested documentation, I request that this item be deleted immediately, If you are unable to provide the requested information, I respectfully request that the item be removed from my credit report immediately. 
Again, Please respond to this request within 15 days, as required by the FCRA. I also request that all future communication be in writing. 

Also, LVNV provided to me something that did not pertaining to my original request and had only another collection agency send a letter to them. This is unethical and very bad business practice and if they don't provide this information within XXXX days I am going to pursue legal action for destroying my creditworthiness!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ava Finance, Inc
State: OH

Complaint narrative:
You violated the United States Code LAW ( TILA 15 U.S. code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly is a billing error. 
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 explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Summary of Issue : Despite being a fully documented and verified victim of identity theft, Chase continues to assert that I am financially responsible for XXXX fraudulent credit card accounts that have been blocked by all three major credit bureaus. Chase is refusing to honor its obligation to cease collection efforts and permanently disassociate these accounts from my name under federal law.

Timeline & Supporting Facts : I submitted to Chase : FTC Identity Theft Affidavit XXXX XXXX Report # XXXX FTC Report # XXXX Government ID ( DL & Passport ) SSN XXXX XXXX XXXX XXXX  clearance letters These XXXX Chase credit cards were : Listed on my original identity theft affidavit Submitted to CFPB previously ( Complaint ID : Subsequently blocked/suppressed by XXXX XXXX XXXX XXXX On XXXX around XX/XX/year>, Chase Fraud XXXX XXXX representative XXXX stated XXXX cards would be reinvestigated for 7 days During that call, I was told I am still responsible for these fraudulent cards because payments were made from my old deposit account ( ending in XXXX ) Legal Issues : FCRA 605B ( c ) ( 2 ) : Furnishers are legally required to block fraudulent tradelines upon receiving an identity theft report and proper documentation.

FCRA 623 ( a ) ( 6 ) : It is illegal to continue furnishing data after being notified of identity theft.

FCRA 623 ( a ) ( 7 ) : Failure to flag disputed information FCRA 616617 : Civil liability applies to willful and negligent noncompliance Chases position that I am liable because of prior payments is completely unsupported under the FCRA. Merely using a bank account to pay a fraudulent charge especially under duress, confusion, or fraud does not prove legal liability. The cards were opened without my authorization. Their continued pursuit appears retaliatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
XX/XX/year> They claim I still owe over {$10000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: AZ

Complaint narrative:
I attended XXXX University XXXX XXXX XXXX in XXXX, Arizona. 
I was forced to stop attending because I was told I had no more XXXX XXXX  or private loan options available. No one gave me other solutions to continue. 
I did not take out loans for living expenses my loans were only for tuition. 
I was never informed that I would be expected to repay the loans while still in school. 
The school did not have properly accredited teachers, and many classes felt incomplete or unstructured. 
Now that the school is closed, I have no way to transfer my credits or finish my degree. 
I believe I should not be held responsible for the debt under these circumstances. 
I am asking for a review or discharge of my loans due to school closure, misrepresentation, and lack of options to finish my education. 

I feel overwhelmed and unsure how to fix this situation. Please help me understand my options and find a solution. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
There is a collection for {$1100.00} that is not mine. I want it removed from my credit report. It is affecting my ability to get new 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 2025-06-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
1. On the XXXX of XXXX, XXXX loan closed and proceeds were disbursed to XXXX XXXX : The amount of the check is {$3400.00} 2. Underwriting conditions dictated a policy with coverage for full replacement cost AND rent coverage for at least 6 months. ( see XXXX Declarations attached ) 3. To expedite the closing process, XXXX XXXX XXXX made contact with Fay Loan Servicing to assist in locating an insurance. Because XXXX XXXX is a Fay Servicing product, it was immediately recommended. 
4. Following recommendation I agreed to the terms and purchased policy payable at closing as prior stated.

5. On or about XX/XX/2025, I also received a quote from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and insurance Agent XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX endorsed a policy as well. 
6. Once closing was completed, my Attorney XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX disbursed a check to XXXX XXXX, paying a full years premium. 
7. On XX/XX/2025 XXXX XXXX from XXXX XXXX requested proof of replacement insurance declarations page as a condition of refund which was delivered 8. On XX/XX/XXXX th, XXXX XX/XX/2025, and XX/XX/2025, respectively, I followed up by email with no response on whereabouts of the insurance check refund. 
9. On XX/XX/2025, I resorted to contacting my mortgage lenders at XXXX XXXX for assistance 10. On or about XX/XX/XXXX XXXX, XXXX  after some minor back and forth and confusion, XXXX XXXX XXXX XXXX in fact confirmed that the policy was cancelled and sent me a portion of a screenshot from XXXX XXXX of XXXX XXXX, verifying that a refund was forthcoming. 
11. It has been over 60 days since my original refund request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts 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 2025-06-04 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 to let you know that Ive been a victim of a data breach or fraud, as outlined in FCRA S

ections 605B, 615 ( f ), and 623 ( a ) ( 6 ). Im formally requesting the permanent removal of any fraudulent accounts and incorrect addresses from my credit report. Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX/DOFED Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX/DOFED Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX/DOFED Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX : XX/XX/XXXX Balance : XXXX Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : 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 2025-06-04 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: CA

Complaint narrative:
I am writing to let you know that Ive been a victim of a data breach or fraud, as outlined in FCRA S

ections 605B, 615 ( f ), and 623 ( a ) ( 6 ). Im formally requesting the permanent removal of any fraudulent accounts and incorrect addresses from my credit report. Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX/DOFED Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX/DOFED Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX/DOFED Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX : XX/XX/XXXX Balance : XXXX Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : 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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Dear Credit Bureau, ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by the federa aw to verify - through physical verification of the original accounting records and signe consumer contract any and all accounts you post someone's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email you fraudulent account information.

Therefore, I'm demanding to receive verifiable proof of the ( original accounting records & signed contract ) for the files of the accounts listed below. Your failure to positively verify the accounts has hurt my ability to obtain credit cards, a property rental, car loans, home loans, pass employment credit checks, utilities, etc. along with getting other basic livelihood necessities.

Under the FCRA, unverified accounts that are not 100 % accurate must be deleted and removed.

Also these negative accounts below may either be inaccurate, old, inaccurate data between bureaus, not updated, paid in full, paid, closed, paid out by insurance, double dipping collectors, charged off/written off taxes, settled, inaccurate addresses, {$0.00} collections open balances, permanent disabilities act discharge, identity theft, for profit school fraud loan discharge, fraudulent submissions by loan or collection companies, inaccurate phone numbers, inaccurate name spellings, etc.

Under the FCRA, unverified, fraudulent, invalid accounts must be removed and deleted. If you are unable to provide me with a copy of the verifiable and validated proof that you have on file within a 30 day calendar days from receiving this notice for the account listed then you must remove and delete the account from ( YOU'RE NAME, SSN Ending In XXXX ) credit reports. I demand the following negative accounts be verified or permanently deleted immediately. The law is very clear on the available remedy to me for violating, Section. 617. Civil liability for negligent noncompliance, if you fail to comply with the federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-04 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-04 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:
Please review attachments.

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief