vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
The company has not resolved my issue regarding Account number XXXX XXXX : Caine & Weiner. Im They claim the account is accurate and that they will mail verification, but they have not yet provided any documentation proving I owe this debt. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am legally entitled to proper validation such as a signed agreement or clear evidence of the debts origin. Stating they believe the information is accurate is not the same as providing proof. Until proper validation is received, the debt must not be reported. I am requesting removal of the tradeline until they fulfill their legal obligation. This is in line with 15 U.S.C. 1681i and 1681s-2, which require deletion of unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX, a so called friend asked me to deposit a check of {$8000.00}, a week later, I found out it was a fake. According to him, he didn't know about it. Because of him, I am blacklisted and I owe XXXXXXXX XXXX 

I reported him to FTC XXXX Federal Trade Commission ) on XX/XX/XXXX. And I notified IRS on XX/XX/XXXX. 

I still owe XXXX It is very challenging to fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Please provide me copies of XXXX. XXXX, with my original signature 2.chain of custody documentation, showing legal transfer of servicing rights 3. proof of legal authority of loan servicer, education program restructuring 4.full ledger of deferments and forbearances according to section 1681.Ia, if NelNet can not provide these documents within 30 days then it must be legally removed from my credit report. 


Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against NelNet, XXXX XXXX XXXX XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. # # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. Sincerely, XXXX XXXX XXXX

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

Complaint narrative:
I noticed a late payment being reported on my Equifax credit report from XXXX XXXXXXXX XXXX XXXX XXXX under account number ending in XXXX. I have never opened an account, applied for credit, or done any business with this company. I had no prior knowledge of this account until I reviewed my credit report. 

This account is fraudulent and appears to be part of a larger identity theft issue I have been dealing with. I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and a police report documenting unauthorized accounts and activity on my credit profile. 

Despite notifying Equifax of this issue, the account including five months of late payment history ( XX/XX/XXXX through XX/XX/XXXX ) is still being reported. I have requested a reinvestigation and demanded proof of my involvement with this account, including original signed contracts and transaction records, but I have not received sufficient evidence to prove the account is legitimate. 

This inaccurate and fraudulent information is damaging my credit and affecting my financial well-being. I am asking the CFPB to assist in having this unverifiable account permanently removed from my credit file and to hold the credit reporting agency accountable for failing to properly investigate and correct the error. This complaint serves as formal legal notice that I am demanding the immediate investigation and removal of the unverified late payment ( s ) reported on my credit file. The reporting of this information violates FCRA 1681s-2 ( a ) ( 1 ) ( B ) and is inaccurate, unverifiable, and damaging to my creditworthiness.

Pursuant to the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards, you are legally required to conduct a full and complete investigation of my dispute and provide original, time-stamped documentation verifying the accuracy of the reported late payment ( s ). Failure to comply within 30 days will result in immediate escalation to federal agencies, including the CFPB, FTC, OCC, and State Attorney Generals Office. Additionally, I will pursue litigation in U.S. federal court under 15 U.S. Code 1681n and 1681o for noncompliance and damages if this dispute is not properly addressed. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number ( Last XXXX Digits ) : XXXX Date First Reported : XX/XX/XXXX Disputed Late Payment Date ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Reason for Dispute : Unverified & Inaccurate Late Payment Immediate Removal Required

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I am requesting the removal of a {$220.00} collection account that is still being reported on my credit report. This debt was paid in full, but I no longer have access to the account it was paid from, as the bank account has since been closed. 

Despite this, I submitted a dispute through the credit bureau, and the collection agency verified it without providing any proof or documentation that the debt is valid or unpaid. I believe this violates the Fair Credit Reporting Act ( FCRA ), which requires that information on a consumers credit report be accurate and verifiable. 

I am not disputing the existence of the original account only that it should no longer be listed as a negative item since it was paid. I am asking for it to be removed or for the collector to provide proper documentation to justify continuing to report it.

This debt is over 7 years old and is hurting my credit despite being resolved. Im trying to improve my credit and move forward, and I believe this continued reporting is unfair and possibly unlawful.

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

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been '' verified '' and leaving the fraudulent entries on my credit report. This denial has caused me significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and my financial standing. Specifically, I faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 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 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

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

Complaint narrative:
Dear Equifax Dispute Department, I am writing to formally dispute multiple hard inquiries that appear on my Equifax credit report, which I accessed through XXXX XXXX. I believe these inquiries were either unauthorized or made in error and request that they be investigated and removed if found to be invalid. 

The following inquiries are of concern 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 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 I do not recall authorizing credit applications or hard inquiries with many of these companies. I respectfully request that Equifax investigate the legitimacy of these inquiries. If any are found to be unauthorized or can not be verified, please remove them from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute and request the immediate removal of an inaccurately reported late payment for XXXX XXXX on my XXXX XXXX XXXX XXXX account. This letter is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which guarantees the right of consumers to challenge inaccurate or unverifiable information and requires timely investigation and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, XXXX  XXXX Equifax Information Services XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Investigation and Deletion of Unverifiable Accounts Pursuant to the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute certain information currently being reported on my credit file. I am requesting that you conduct an investigation into all accounts or items on my credit report that are not verified in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

Under the FCRA, you are required to conduct a reasonable reinvestigation of any disputed information and to delete any information that can not be verified within 30 days of receiving this notice. This includes contacting the original data furnisher to verify the accuracy and completeness of the information you are reporting. 
Please be advised that I am not identifying specific accounts or items at this time. I am exercising my right to request a review and deletion of any and all items that can not be substantiated with proper documentation or that lack proper verification procedures in accordance with the law. 
Attached to this letter are the following documents for identification and address verification purposes : A copy of my government-issued photo ID A copy of my Social Security card A copy of a recent utility bill or bank statement showing my current address Please provide written confirmation of the results of your investigation within the time allowed by the FCRA. If any item is found to be unverifiable, I expect it to be promptly deleted from my credit report. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

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

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report.

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 

The XXXX XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} million penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 

I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt Letter.

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 2025-07-07 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: NJ

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report.

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 

The XXXX XX/XX/year> enforcement action against XXXX ( resulting in a {$15.00} million penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 

I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

XXXX XXXXXXXX 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 2025-07-07 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: NC

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
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 non-monetary relief
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report.

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 

The XXXX XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 

I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

XXXX XXXXXXXX XXXX XXXXXXXX

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

Complaint narrative:
I recently pulled my credit report and discovered that XXXXXXXX XXXX XXXX XXXX XXXX is inaccurately reporting six late payments on my account ( ending in XXXX ), including severe 60-day delinquencies in XXXX  that are factually incorrect and damaging. I have disputed this account multiple times, provided supporting evidence, and clearly outlined that this reporting is either a result of internal data errors, identity confusion, or negligent furnishing of information by the creditor. 

Despite my repeated efforts, the false late payments remain, harming my credit score and preventing me from reaching critical financial milestones. These entries do not reflect my actual payment behavior and are being willfully reported with no verification process in place, which violates multiple provisions under the FCRA ( 15 U.S.C. 1681i, 1681s-2 ). 

The credit bureaus and data furnishers are refusing to fully investigate or correct the issue, and they have not provided any lawful verification that the derogatory marks are accurate. Ive taken every legal step required as a consumer, yet Im being ignored. This is a direct violation of my consumer rights, and the emotional distress, lost financial opportunities, and damage to my reputation are unacceptable.

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