vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: DE

Complaint narrative:
I am demanding that you remove these fraudulent items immediately. 
These accounts must not continue to be reported on my consumer file, as their presence is a clear violation of my rights. According to 15 U.S. Code 1681b, consumer reporting agencies may only disclose a consumer report under strictly limited conditions primarily, with the consumers written authorization.

I want to make it very clear : I have never provided written consent for any agency to furnish or report these accounts. Absent my written permission, the reporting of this information constitutes an additional violation of my federally protected rights, and further acts of identity theft.

Accordingly, I am formally insisting that all such accounts be deleted immediately from my consumer report. Continued noncompliance will be regarded as willful negligence and may be pursued through legal and regulatory channels.

This matter requires your immediate attention.

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 2025-07-13 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
In XXXX  I found an additional Apple Card reported on my XXXX XXXX  so since I found while looking at information on my Credit karma account I file. Complaint with them & I was told I had to file with the Credit Bureau. So I file a dispute with XXXX XXXX  they held an investigation & later told the creditor XXXX XXXX said the information was correct. So I needed to contact them. So when I contacted I was told that I need the name of the person on the card there address which I no longer have. When I file my dispute with XXXX XXXX all that information was on my XXXX XXXX Now only open date of the account number of transactions & payment history. I remember his first name XXXX & he lives in Utah the account was opened XX/XX/year> credit limit XXXX highest balance XXXX the account is still open. I dont know this person I didnt sign for this card I have my own Apple Card that I havent ever us. I dont understand how XXXX can just put someone elses information on my XXXX XXXX  & I cant have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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:
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. 

XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 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 seven 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 2025-07-13 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
No contract with company Lvnp funding. Llc care of resurgent capital services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: GA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orions Management Group, LLC
State: TX

Complaint narrative:
According to code XXXX XXXX ( XXXX ), any negative item that a company reports to my credit report without my written consent is considered identity theft. I have been disputing this on my credit report since XX/XX/XXXX. XXXX  keeps updating it as accurate. However, I did not give my written consent for this to be added to my credit report. 
XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$610.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$610.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$610.00} Highest balance - Terms 1 Month On record until XX/XX/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 2025-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
The company is Bridgecrest and I was over charged to the vehicle was worth I had XXXX XXXX  on it and I would like the money back I put into the car back or my down payment on it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In 2021 I did a modification on my mortgage with caliber home loans they did a modification of {$62000.00} in 2021. I did a refinance with another mortgage company XXXX XXXX due to better interest rates the closing disclosure amount of dollars sent from caliber homes was {$140000.00} And did not include the HUD loan of {$62000.00} or the HUD modification dollars therefore I closed with XXXX XXXX on XXXX 2021 and caliber home mortgage company did not file the modification paperwork to the court until XX/XX/year> so therefore my insurance title insurance was unable to locate this dollar amount so therefore they took my loan at {$140000.00} and now XXXX being sued for {$62000.00}. They have attached my Social Security number check in they also Attached my home. I understand I owe the dollars but mortgage company number one should have been responsible to send this over to mortgage company number XXXX so this error did not happen. I understand I owe the {$62000.00} but I also think caliber home is responsible for not doing their part the IRS which is HUD told me they will not fight mortgage company to mortgage company cause they generally dont get paid so its easier to attach the claim to the homeowner. Now I am struggling to pay my mortgage. I need to put blame on caliber homes and something needs to be done for their error.

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 2025-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SLM CORPORATION
State: CT

Complaint narrative:
A Sallie Mae student loan is being reported on my credit, but I never applied for, authorized, or signed for this loan. I sent a Final Notice to Sallie Mae on XX/XX/year>, formally demanding verification under the Fair Credit Reporting Act and the E-SIGN Act. I specifically requested the signed agreement, electronic consent details, identity verification, and legal documentation linking me to the account. 
Sallie Mae responded but failed to provide any of this. They did not include a contract, IP address, identity match, or proof of loan authorization. They only sent a generic letter stating the loan was valid. Despite this, the credit bureaus ( XXXX XXXX XXXX XXXX ) continue to report the account.

This is a violation of FCRA 611 and 623. Sallie Mae is furnishing unverifiable data and the bureaus are failing to conduct a reasonable investigation. I am requesting that this account be permanently deleted from all credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/year> I submitted a balance transfer from my Citi card to pay off my XXXX  XXXX XXXX card in the amount of {$3300.00} plus a transfer fee of {$160.00}. After a week had gone by I contacted citi because I didnt see the balance transfer. They said it can take up to 10 days. After 10 days I called again and they said to wait til the 30 day mark. I did and finally on that third contact they asked me to confirm the account number it went to. They found out it was XXXX digit off. Mind you at this point I made my first payment of {$350.00}. They filed a dispute and told me it could take 7-10 days to resolve. They advised things like these always get resolved. About a week later I logged into my account and say that I had a negative balance. I contacted them again and they told me it was resolved. I asked if they needed the correct account number so they cant process the transfer- the representative said no and told me to go ahead and process it again to the right account. On XX/XX/year> I processed the balance transfer for the same amount. The second balance transfer get processed and I see it on my XXXX  XXXX XXXX card. I log in to Citi to make my second payment or {$350.00} on XX/XX/year> and see my balance is now {$6300.00} ( both balance transfers or XXXX ( both fees ) $ XXXX $ XXXX ( minus both payments of {$350.00} ( {$700.00} ) ). I instantly called them and they tell me they concluded the investigation and that they had given me a provisional credit but now that it was resolved and they can verify it was sent to XXXX  XXXX XXXX they are taking the credit back. He also said the payment was processed and to wait on a letter I will be receiving and to contact XXXX  XXXX XXXX if I need more assistance. I spoke to a supervisor who told me the same thing and he said I now owe the full balance when I only received one transfer on my XXXX  XXXX XXXX account. I contacted XXXX  XXXX XXXX and provided them with the trace ID Citi gave me and they said they cant do anything and that I have to call Citi bank.

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 2025-07-13 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Account PORTFOLILO RECOVERY XXXX XXXXXXXX I'm unware of this debt and did not have opportunity to dispute this account. if you believe you sent proper notification please provide certified mail with receipt displaying signature if not please delete account XXXX XXXXXXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/year>. 

The following accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX and must be deleted immediately : XXXXXXXX XXXX  ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy.

- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected.

- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false.

These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights.

I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information. 
These no longer serve a valid purpose in creditworthiness evaluation. 
Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA. 
Please process this dispute and send me an updated copy of my credit file.

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 2025-07-13 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: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/year>. 

The following accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX and must be deleted immediately : XXXXXXXX XXXX  ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy.

- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected.

- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false.

These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights.

I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information. 
These no longer serve a valid purpose in creditworthiness evaluation. 
Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA. 
Please process this dispute and send me an updated copy of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UPGRADE, INC.
State: FL

Complaint narrative:
On XXXX XX/XX/2025 XXXX by XXXX emailed me that they were now XXXX and I needed to take action to create an XXXX account. I followed their instructions on how to setup the UPGRADE  account but it said I was locked out. I called their phone number given and there's no option to get help for this. I got a subsequent email they would continue to auto draft the {$58.00} monthly payment. I have excellent payment history with this company ( I've never been late nor have I missed a payment. ) It seems like a scam for the company to have XXXX name changes then lock me out of my original account. Their XXXX emails to me are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 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  # XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: PA

Complaint narrative:
I previously filed a dispute multiple times regarding a fraudulent account XXXX XXXX, it was removed twice and reinserted each time without following the proper guidelines according to the FCRA, XXXX never sent me no documentation regarding the account and its existence! I have no knowledge about this account!

Company response to consumer: Closed with explanation