vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX and all three major credit bureaus ( Experian, Equifax, and TransUnion ) for continued reporting of a {$3900.00} collection account that is completely unsupported and disclaimed by the original creditor. 

The debt is listed as owed to XXXX at XXXX XXXX XXXX. However, I have received : A written letter An email And a response through the XXXX  from the current management of XXXX  confirming : They never placed this debt in collections They have no record of me as a resident They can not verify or confirm that this debt exists They believe the debt may have come from a former management company but can not confirm XXXX XXXX XXXX has not provided any supporting documentation despite XXXX formal validation requests. They have not produced a lease, ledger, or assignment documentation. Yet this account continues to be verified across all three bureaus. 

I now have written proof that the creditor named on the credit report denies any connection to the debt. This tradeline is false, misleading, and unlawfully harming my credit profile. 

What would be a fair resolution : Permanent deletion of this account from Experian, Equifax, and TransUnion Written confirmation from XXXX XXXX XXXX and all bureaus that the account has been removed A formal review of the verification and dispute-handling procedures that allowed this to continue despite evidence If this is not resolved immediately, I will escalate this matter through legal channels and pursue remedies under FCRA 1681n and 1681o, including statutory damages and court costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: TN

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX and all three major credit bureaus ( Experian, Equifax, and TransUnion ) for continued reporting of a {$3900.00} collection account that is completely unsupported and disclaimed by the original creditor. 

The debt is listed as owed to XXXX at XXXX XXXX XXXX. However, I have received : A written letter An email And a response through the XXXX  from the current management of XXXX  confirming : They never placed this debt in collections They have no record of me as a resident They can not verify or confirm that this debt exists They believe the debt may have come from a former management company but can not confirm XXXX XXXX XXXX has not provided any supporting documentation despite XXXX formal validation requests. They have not produced a lease, ledger, or assignment documentation. Yet this account continues to be verified across all three bureaus. 

I now have written proof that the creditor named on the credit report denies any connection to the debt. This tradeline is false, misleading, and unlawfully harming my credit profile. 

What would be a fair resolution : Permanent deletion of this account from Experian, Equifax, and TransUnion Written confirmation from XXXX XXXX XXXX and all bureaus that the account has been removed A formal review of the verification and dispute-handling procedures that allowed this to continue despite evidence If this is not resolved immediately, I will escalate this matter through legal channels and pursue remedies under FCRA 1681n and 1681o, including statutory damages and court costs.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am formally disputing the collection account reported by LVNV Funding LLC, account number ending in XXXX, as displayed on my consumer credit report. This account is being reported without identifying the original creditor, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681g ( a ) ( XXXX ) Requires a consumer reporting agency to disclose the sources of all information ; 15 U.S.C. 1681e ( b ) Mandates credit bureaus to maintain maximum possible accuracy ; 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) Requires a reasonable reinvestigation of any disputed item. 

This account is unverifiable, incomplete, and inaccurate as currently reported. The omission of the original creditor 's name and failure to provide complete, verifiable data violates my consumer rights. Therefore, I am demanding the immediate and permanent deletion of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: RI

Complaint narrative:
Dear CFPB, I am filing a formal dispute against Credit Corp Solutions Inc., a debt buyer, for its ongoing and unlawful reporting of a {$1200.00} collection account allegedly originating with XXXXXXXX XXXX. I have no knowledge of this debt, never received any communication or contract from XXXXXXXX XXXX regarding this account, and have never entered into any agreement with Credit Corp Solutions. 

According to the credit reporting data, this alleged account was opened on XX/XX/XXXX, and reported as a collection account by XX/XX/XXXX. However, I have not received any billing statements, notices, or validation from either Credit Corp or XXXXXXXX XXXX. I have disputed this account previously, but the collector continues to update it as a derogatory item without conducting a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Legal Basis for Complaint : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires consumer reporting agencies to conduct a reasonable reinvestigation when an account is disputed.

15 U.S.C. 1681e ( b ) : Requires data furnishers and credit bureaus to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) : Mandates that furnishers must investigate and correct disputed information.

15 U.S.C. 1692g ( b ) ( FDCPA ) : Requires that collection activity must cease until a debt is validated.

15 U.S.C. 1681n and 1692k : Provide liability for willful noncompliance.

Furthermore, as a debt buyer, Credit Corp Solutions is legally obligated to produce a signed contract, full itemized account history, legal chain of assignment, and purchase agreement ( Forward Flow Agreement ) particularly because debt sales between furnishers often exclude original account-level documentation and contain disclaimers about accuracy. This debt is legally unverifiable without those materials.

The continued reporting of this item without valid documentation and in the face of dispute is misleading, injurious to my credit standing, and constitutes willful and negligent violations of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Request for Debt Validation- Account XXXX To Whom It May Concern, This letter is in response to your recent communication regarding the alleged debt referenced above. I do not acknowledge ownership of this alleged debt and request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Pursuant to federal and applicable state laws, please provide the following documentation to validate the debt and your legal right to collect : A copy of the Purchase Agreement between XXXX XXXX XXXX and the original creditor. 


A complete Transfer of Assignment or Bill of Sale identifying the specific account in question. 


Any Forward Flow Agreement ( XXXX ) or related documentation outlining the terms and conditions under which the debt was transferred. 


A copy of the original contract or agreement bearing my signature, evidencing the alleged obligation. 


A full accounting history, including all charges, payments, interest, and fees applied to the account. 


These documents are required to establish legal standing and ownership of the alleged account. Mere summaries, internal documents, or spreadsheets do not constitute proper validation under the law. 
If you are unable to produce the above documentation within XXXX  days from the date of this letter, I will consider the matter unresolved and may initiate a civil claim without further notice, seeking declaratory relief and any other remedies available under federal and state laws for continued attempts to collect a debt without proper validation. 
I request that all future communication regarding this matter be in writing. 
Sincerely, XXXX XXXX XXXX XXXX attorney

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Block, Inc.
State: TN

Complaint narrative:
I have two direct deposit supposed to be inside my cashapp account from XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX Social Sec {$840.00} That Cashapp refuse to put in my account I have the trace number and XXXX number for my local social security office and I'm finna be homeless, no food, can't pay any of my bills I'm begging for help at this point please...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
Subject : IMMEDIATE ACTION REQUIRED Aggressive Dispute of Fraudulent Accounts, Collections, and Inquiries Under 15 U.S.C. 1681c-2 ( FCRA 605B ) To Whom It May Concern, This letter serves as a formal and urgent dispute regarding fraudulent accounts, collections, and inquiries listed on my Equifax credit report. I am a victim of identity theft due to a recent data breach. I did not authorize, open, or initiate the accounts, collections, or inquiries detailed below. They are fraudulent and must be blocked and permanently removed immediately.

Under 15 U.S.C. 1681c-2 ( Section 605B of the Fair Credit Reporting Act ), Equifax is legally obligated to block and remove identity theft-related information within four ( 4 ) business days of receiving a valid request with documentation. 
________________________________________ Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ Fraudulent Collections to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are damaging my credit and causing me financial harm. If Equifax fails to take immediate and full action, I will escalate the matter by filing formal complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/year>, I attempted to deposit {$530.00} cash into a PNC Bank account at their ATM located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. By mistake, I inserted my XXXX credit card instead of my PNC debit card. 

The ATM displayed a message : We encountered a problem returning your cash, and kept the full {$530.00} without completing the transaction. I received a receipt confirming the error. 

I contacted PNC multiple times, but they refused to help because I did not use a PNC card. However, the ATM is owned and operated by PNC, and since the machine physically retained the cash, PNC is responsible for investigating this malfunction and refunding my money. 

I am seeking assistance to have this matter resolved and the funds returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: Thaxton Investment Corporation
State: GA

Complaint narrative:
I am a victim of identity theft. these accounts do not belong to me nor have or had my authorization to be open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX Wells Fargo reported to XXXX XXXX  that a payment in the amount of {$1700.00} was returned for XXXX Sufficient Funds. This was reported to XXXX XXXX via email who is the XXXX of XXXX XXXX XXXX XXXX shared this information to me on XX/XX/XXXX at XXXX ; XXXX. 

This information provided by Wells Fargo to XXXX XXXX is absolutely untrue. Our XXXX checking account has not had less than {$10000.00} in more than two years. This is slander and incorrect information from Wells Fargo. It appears that Wells Fargo has chosen to deliberately lie to my rental company since they have recently received an ACH payment on XX/XX/XXXX from this account. I have tried to resolve this issue with Wells Fargo, but they just closed and dismissed my complaint. 

The contract information is to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd have resided at that 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 2025-05-24 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: IL

Complaint narrative:
Beginning on XXXX XXXX of this year, I submitted a notarized affidavit to Chase Bank requesting that they provide a validation- instead of a verification- for XXXX accounts they allege I have outstanding balances on. More specifically, I was formally requesting a full accounting disclosure under applicable consumer protection laws and banking regulations, including, but not limited to : Regulation Z ( TILA ) ; GAAP ; FCBA ; etc. When they failed to respond, I then submitted another certified letter on XX/XX/year> to their legal department, and still received no response. Then, on XX/XX/year>, I sent XXXX notarized, certified letters in which I made a FOIA request. One copy was sent to Chase XXXX XXXX, while the other was sent to their corporate leadership. However, to date, Chase has refused to provide me with the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This person transferred themselves {$1500.00} from my bank account in an attempt to defraud me. They were an attempted XXXX XXXX who was pretending to offer housing for {$500.00} but then transferring themselves XXXX in attempt to keep the person XXXX. 

I filed a fraud claim with my bank ( Bank of America ) to recover the money after I got out of this house. The bank refused to return the money to me because this person made the transaction from my phone.

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 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Im writing to respectfully request a reconsideration of the {$29.00} late fee recently assessed to my account. My payment was submitted just XXXX day after the due date. 

I chatted with a representative who advised that the fee would not be waived due to my relatively low spending on the card. I found this especially discouraging, as applying a {$29.00} penalty to a {$100.00} balance makes the fee disproportionately highnearly XXXX  % of the total. This seems inconsistent with the requirement that fees be reasonable and proportional to the violation. 

Ive been a loyal American Express customer for years, including maintaining savings accounts, and have otherwise managed my accounts responsibly. I am requesting a one-time courtesy waiver in light of the minimal delay and relatively small balance involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: MN

Complaint narrative:
TransUnion and Experian have not repaired my reports. All of my student loans continue to show I am 120 days delinquent on all XXXX of my loans. When my loans came due to be paid, I was never notified by XXXX, they were my loan servicer. I never received any documentation from XXXX because they sent the documents to an address that did not belong to me. According to XXXX, they stated my loans went into repayment in XX/XX/XXXX. However, I was never notified. However, I received an email on XX/XX/XXXX, indicating that XXXX was my student loan servicer, with instructions on utilizing their website for payment. I have attached that email to this complaint. This suggests that the CRAs did not appropriately investigate my issue and continued ignoring my many requests. Upon further investigation, I found several more discrepancies in my reports. XXXX thing I find very concerning is that TransUnion never implemented my ID theft flag on my credit report. 
Furthermore, they are the only CRA currently reporting bankruptcy and other items I have disputed based on the last credit report they sent, which was completed on XX/XX/XXXX. They continue to report my XXXX XXXX card with late payments when my other reports show all on-time payments. Experian continues to report that my student loans are also delinquent for 120 days, suggesting they did not investigate my issues with this loan servicer.

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 2025-05-24 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: NV

Complaint narrative:
I am a verified identity theft victim. A loan was fraudulently opened with XXXX using my stolen identity without my knowledge or consent. I did not apply for this loan and never received or benefited from any funds. I filed a valid FTC Identity Theft Report ( Report # XXXX ) and submitted a formal dispute under FCRA 605B demanding the removal of this tradeline. Despite this, XXXX failed to block the account and continued collection activity, a clear violation of FCRA and FDCPA. My personal information was exposed in the XXXX data breach, including SSN, DOB, and full legal name, which explains how this fraud occurred. XXXX  refusal to act in compliance with federal law is causing ongoing damage to my credit and well-being. 

Supporting documents include the FTC Identity Theft Report, proof of the XXXX data breach exposing my personal info, and screenshots of the XXXX tradeline showing it was opened fraudulently. These documents confirm identity theft and clearly establish violations of FCRA 605B.

Company response to consumer: Closed with non-monetary relief