vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
Simons Collection agency still is reporting that I am not paying on my XXXX and XXXX account. I have paid off the account. XXXX uses a XXXX part called XXXX. I payed it and XXXX XXXX collection agency the XXXX from XXXX that proves the account is paid off. I filed XXXX disputes though XXXX  to get them to remove it off my credit report or at least say the balance is paid and they have not done so. I provided proof of payment to XXXX which is who XXXX and XXXX uses for payments and Simons collections still has been reporting me delinquent every month although paid off and I provide the letter. I want my credit report updated and I want them to stop saying I am delinquent every month as the account has been paid off since XXXX and I told them that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
To Whom It May Concern, This letter serves as an official notice pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) codified in 15 U.S.C. 1681, and the Federal Reserve Act, 12 U.S.C. 501 et seq., as well as applicable provisions of New York General Business Law 380. I am demanding the immediate deletion of the following inaccurate and unauthorized entries from my Equifax credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account ending in XXXX ) XXXX. Dept. of Ed/XXXX XXXX  Loans ( Accounts ending in XXXX and XXXX ) Basis for Dispute Upon thorough review of my credit file dated XX/XX/year>, I have identified these accounts as either inaccurately reported, unverifiable, or no longer meeting the requirements to be legally furnished or retained under federal and state law. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates Equifax to conduct a reasonable reinvestigation within 30 days of receiving this dispute. Failure to do so constitutes a willful noncompliance with the FCRA and subjects Equifax to civil liability under 15 U.S.C. 1681n and 1681o.

12 U.S.C. 1831t and 1818 ( b ) prohibit the continued reporting of accounts that can not be verified with original source documentation upon consumer request.

NY GBL 380-j requires that information not verified with original records must be removed. It also reinforces that credit agencies can not maintain entries based on hearsay or third-party summaries. 
Furthermore, I demand that this dispute not be reviewed or resolved using automated software systems or algorithms in violation of the intent of the FCRA and consumer protection mandates under 15 U.S.C. 1681e ( b ). Any such method is inherently incapable of accurately determining the legitimacy of this dispute.

Action Required Immediately delete the above three accounts from my credit file with Equifax. 
Provide written confirmation of the deletions and an updated copy of my credit report.

Disclose the name, address, and telephone number of any furnisher ( s ) who responded during the reinvestigation process as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

If Equifax continues to report these unverifiable and disputed accounts, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), New York Attorney Generals Office, and pursue damages under 15 U.S.C. 1681n for willful noncompliance and 15 U.S.C. 1681o for negligent noncompliance.

I expect a prompt response within the statutory 30-day period. Please mail your response to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
Dispute of Alleged Debt Request for Validation Pursuant to FDCPA To Whom It May Concern, I am writing to you in response to a collection notice I received, or an account you have reported on my credit file. Please be advised that I am formally disputing the validity and legality of this alleged debt, as is my right under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g * *. 

Under federal law, you are required to * * provide proper validation of the debt * *, including but not limited to : XXXX. The original creditors name and address XXXX. A complete accounting and breakdown of the alleged debt XXXX. The original signed agreement or contract bearing my signature XXXX. Proof of your legal right to collect on this debt XXXX. The chain of title proving ownership and assignment of the debt Until such documentation is provided, * * you must cease all collection efforts, including phone calls, letters, and reporting to any credit reporting agencies * *, as required by * * 15 U.S. Code 1692g ( b ) * *. 

Additionally, be reminded that * * attempting to collect on a debt without proper validation or legal ownership is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ) * *, and may constitute fraudulent collection practices under federal and state laws. Be advised that it is * * not legal to collect on a debt that can not be validated or legally assigned * *, especially if sold by the original creditor for pennies on the dollar without full documentation. 

If this account is being reported to any credit bureau, this letter serves as my formal dispute under * * FCRA 15 U.S. Code 1681i * *, and I demand it be marked as in dispute on all credit reports during the investigation. 

Failure to comply will result in complaints being filed with the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * state Attorney Generals office * *. I also reserve the right to pursue legal action and statutory damages of up to * * {$1000.00} per FDCPA violation * *, plus attorneys fees. 

This letter is a formal notice and should be treated as such. Please respond within * * 30 days * *, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
Dispute of Alleged Debt Request for Validation Pursuant to FDCPA To Whom It May Concern, I am writing to you in response to a collection notice I received, or an account you have reported on my credit file. Please be advised that I am formally disputing the validity and legality of this alleged debt, as is my right under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g * *.

Under federal law, you are required to * * provide proper validation of the debt * *, including but not limited to : 1. The original creditors name and address 2. A complete accounting and breakdown of the alleged debt 3. The original signed agreement or contract bearing my signature ( if applicable ) 4. Proof of your legal right to collect on this debt 5. The chain of title proving ownership and assignment of the debt Until such documentation is provided, * * you must cease all collection efforts, including phone calls, letters, and reporting to any credit reporting agencies * *, as required by * * 15 U.S. Code 1692g ( b ) * *.

Additionally, be reminded that * * attempting to collect on a debt without proper validation or legal ownership is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ) * *, and may constitute fraudulent collection practices under federal and state laws. Be advised that it is * * not legal to collect on a debt that can not be validated or legally assigned * *, especially if sold by the original creditor for pennies on the dollar without full documentation.

If this account is being reported to any credit bureau, this letter serves as my formal dispute under * * FCRA 15 U.S. Code 1681i * *, and I demand it be marked as in dispute on all credit reports during the investigation.

Failure to comply will result in complaints being filed with the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * state Attorney Generals office * *. I also reserve the right to pursue legal action and statutory damages of up to * * {$1000.00} per FDCPA violation * *, plus attorneys fees. 

This letter is a formal notice and should be treated as such. Please respond within * * 30 days * *, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TN

Complaint narrative:
XXXX XXXX XXXX do not have a car loan Experian keep reporting I am 180 days late the late payment are out of date and incorrect on this account they have changed the dispute date 3 times the company still have not responded I am a victim of fraud they keep putting this account under dispute I called this company do not have this account on file for me I file this account with cfpb going over XXXX days XXXX this is the three times they have put back in dispute I need this deleted in 24 to 72 hours asp this is a big violation of 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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX do not have a car loan Experian keep reporting I am 180 days late the late payment are out of date and incorrect on this account they have changed the dispute date 3 times the company still have not responded I am a victim of fraud they keep putting this account under dispute I called this company do not have this account on file for me I file this account with cfpb going over XXXX days XXXX this is the three times they have put back in dispute I need this deleted in 24 to 72 hours asp this is a big violation of 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: TX

Complaint narrative:
They called me on XX/XX/year> XXXX separate times the second time I called back and asked for a statement and was informed they would email it never did. Then XXXX hours later they call a parent I didn't give them permission to release any information to a person that doesn't live in my household. They called them twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CT

Complaint narrative:
Formal Dispute and Request for Immediate Deletion Under FCRA 611, FDCPA 809 ( b ), and Metro 2 Compliance Standards. Dear TRANSUNION Dispute Department, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 1 ) ), the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ), and Metro 2 compliance standards. I demand that the following inaccurate, incomplete, and unverifiable accounts be immediately deleted from my consumer report.Accounts in Dispute. 
XXXX. XXXX XXXX XXXX ( Account XXXX. ending in XXXX ) - This is a debt buyer account allegedly purchased from XXXX XXXX XXXX  XXXX No documentation has been provided proving lawful ownership, original signed agreement, or itemized billing statement.- In violation of FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ), I request immediate deletion unless fully validated with : - Original creditor agreement - Full chain of assignment - Itemized payment history. 
XXXX. XXXX XXXX ( Account XXXX. ending in XXXX ) - This account is inaccurately reported as charged off while also being listed as closed at the creditors request.- There is no validation of the balance, terms, or original agreement.- Reporting is misleading and fails Metro 2 formatting standards for accuracy and completeness. 
XXXX. XXXX XXXX  XXXX ( Account XXXX. ending in XXXX ) - Account status reflects charge-off with past due balance, yet previous disputes were not revalidated per FCRA requirements.- No signed agreement, billing history, or proof of assignment is available.

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 2025-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: KEYCORP
State: OH

Complaint narrative:
KeyBank has really treated me terrible this isn't fair! 

So my wife became very sick soon after moving into our new home and she could not work. This unfortunately put a strain on our household. In the process I started having issues paying the mortgage. I have tried loss mitigation and other means for help but everything has been a temporary fix. Earlier this month I thought I was making a payment for XXXX and XXXX 's mortgage which I was told came to a total of over XXXX dollars. I made the payment on the second of XXXX over the phone with a representative. I was even told XXXX times that the payment I made went through and it should take a couple of days to show in my account to which I said ok. A couple of days later I noticed that the money I had deposited had half of the money gone. I called KeyBank Collections back and asked why only half of my payment went through. I was told that the payment had already been made in full. I thought it was weird but I didn't know what to do. They said my mortgage for XXXX and XXXX had been paid already. Today my wife and I are told that the payment I made Earlier this month never went through. The payment did not process til 8 days later. Not I'm angry and confused. Now KeyBank says you have 30 days to come up with over XXXX dollars. I am doing the best I can working my job trying to work another I don't know what else to do! How is it my fault KeyBank waits for over a week to process a payment, they LIE, Banks are straight up bullies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: VA

Complaint narrative:
This account has been previously disputed and marked as XXXX XXXX XXXX ; Dispute resolved ; reported by XXXX  XXXX XXXX XXXX XXXX multiple times. However, it continues to appear on my report with derogatory marks, including late payments and unresolved balances. I do not recognize this account and request immediate removal of any inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
Immediate Action Required. I demand the removal of this collection account from my credit report immediately unless you can substantiate its validity as required by law. I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.

Please find attached any documentation that supports my claim, including a list of relevant documents, such as identification, proof of address, or any notices received. I would appreciate your prompt attention to this matter and a response at your earliest convenience. Thank you for your assistance.

Subject : Formal Demand to Block Fraudulent Information Identity Theft Claim Under 15 U.S.C. 1681c-2 To Whom It May Concern, This letter serves as a formal demand under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) to immediately block the reporting of fraudulent information on my credit report resulting from identity theft.

The following information has been fraudulently attributed to me and must be removed without delay : Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX  Account Number : 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