vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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:
I am formally disputing inaccurate information appearing on my credit report regarding the following account : Creditor : XXXX XXXX XXXX Reported Balance : {$11000.00} Date Opened : XX/XX/year> Term : XXXX XXXX  After reviewing the report, I have identified the following errors : XXXX. XXXX XXXX The report lists a balance of {$11000.00}, while the highest balance reported is {$10000.00}. 
Additionally, a civil note received lists the balance at {$8600.00}, which is significantly lower than what the credit report reflects.

2. Contradictory Payment History The report states Youve made 100 % of payments on time but also lists Current Payment Status : XXXX  Days Late. 
It also reports Times late : XXXX. These contradictions can not be accurate.

3. Missing Payment Data The Last Payment field shows No Info. 
If payments were allegedly made or missed, this field must be reported accurately, not left blank.

4. Account Status Confusion The tradeline shows XXXX, yet includes remarks such as XXXX disputes after resolution and Loan modified. 
It also lists Closed : No Info. An account can not simultaneously be open, modified, in dispute, and closed.

5. Premature Negative Reporting The account is only XXXX  months old, yet is already showing as late and modified. This raises concerns of inaccurate or unlawful reporting. 

Please provide me with an updated copy of my credit report after your investigation is completed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccuracies on my credit report and disputed them with the credit bureau using the FCRA, metro 2 compliance and USC codes and the response was that they did not believe it was me even though I submitted supporting documents, and when I called they would not let me speak to a person and hung up on me.

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 2025-10-01 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: TX

Complaint narrative:
I am disputing the presence of certain accounts on my credit report that I did not establish. Please conduct a full review and remove them. Supporting records are attached. 

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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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-10-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt.

Instead, Experian responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. The failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information ( if required by law in your jurisdiction ).

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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent an online payment from XXXX XXXX to CitiCards for {$10000.00}. Unfortunately CitiCards was the wrong account, it was supposed to be XXXX XXXX. I reached out to XXXX XXXX and Citi Bank explaining the issue, and asked them to return the money because that particular account had been closed for 13 years. XXXX XXXX told me that there was nothing that they could do because it had left their system, and Citi Bank initially told me that I didn't have an account, and I had to search through my receipts from XXXX to even find the account number. Citi Bank then said that there was nothing that they could do either because that account had been closed for too long and they had no record of me in their system. Nobody seems to know where the money is located. 
For XXXX XXXX, after many attempts to contact them, I got 2 case numbers. One that was denied and one that got reissued. They also said that they will get back to me after they had reissued my second case number again. 
For CitiBank, they told me it was XXXX XXXX 's Problem, and then asked me for proof of payment from XXXX XXXX, which I got. I then Mailed and Faxed the proof of payment to the " Money Back Department '' of CITIBANK and have not gotten a reply.

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 monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The response from LVNV/Resurgent on CFPB XXXX does not constitute proper validation under the FDCPA or accurate reporting under the FCRA. The only documentation provided was copies of billing statements from XXXX XXXX XXXX  showing only a first initial and last name. This is not sufficient to establish ownership or liability. As as XXXX credit report the dates are still being reported as a new collection established on XX/XX/year>. By their own admission stated they reported XX/XX/year> and then said XXXX issue has been escalated to the XXXX XXXX XXXX XXXX XXXXXXXX as XXXX XXXX Critically, they failed to provide : The Date of First Delinquency ( DOFD ), which is required under FCRA 605 ( c ) to determine accurate reporting timelines. Instead, they rely on the charge-off date of XX/XX/year>, which is not the DOFD. The DOFD occurs at the point of first missed payment that was never cured, typically 180 days before charge-off. Using the charge-off date as the reporting baseline constitutes unlawful re-aging of the account. Proof of assignment or ownership of the debt no purchase agreement, bill of sale, or chain of title has been produced showing LVNV/Resurgent has legal standing to collect or report this account. A complete and accurate account history to substantiate the balance, interest, or alleged payment history. FCRA 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation. FCRA 623 ( a ) ( 1 ) ( A ) & ( 2 ) : Reporting information known to be inaccurate and failing to correct it. FCRA 605 ( c ) : Prohibited re-aging of debt beyond XXXX  years from DOFD. FDCPA 809 : Failure to provide proper validation of the debt. I request that the CFPB compel Experian and Equifax to immediately delete the LVNV/Resurgent and XXXX XXXX XXXX XXXX XXXX require LVNV/Resurgent to provide proof of ownership and DOFD if they intend to continue reporting, and impose penalties for their repeated noncompliance. This issue has been escalated to the Texas XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
1. What happened? 
In XX/XX/XXXX, Navient acknowledged its customer service keystroke error caused its misclassification of my XXXX XXXX private student loan and refuses to fix their error. 
Instead of granting a full Total and Permanent XXXX ( TPD ) discharge, Navient defaulted the loan and left a derogatory tradeline. 
In XX/XX/XXXX, while I am permanently XXXX and living in a XXXX home, Navient is still pressuring me to pay the remaining balance after incorrectly charging it off. 
The aforementioned reflects the same misconduct described in CFPB v. Navient Corporation, XXXX XXXX. XXXX ( XXXX. XXXX XXXX ). 

XXXX. Company response has been inadequate Navient only applied a partial balance reduction after acknowledging that it should have entered the loan into the approved full Total Permanent XXXX discharge. The default and charge-off remain on my credit reports, despite my eligibility for complete discharge. 

This is an inadequate resolution and harmful to a XXXX borrower.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 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: PA

Complaint narrative:
My credit report contains incorrect personal information, which has allowed unknown and inaccurate accounts to appear under my name. I am a victim of identity theft, and my personal information was used fraudulently to open accounts with which I have never been associated. As instructed by Experian, I filed and submitted an FTC Identity Theft Report. Despite this, the fraudulent items continue to remain on my credit report, causing serious harm to my credit profile and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
CFPB New Complaint ( Second Filing ) Company : Regional Acceptance Corporation ( a division of Truist ) Original Complaint Reference : XXXX Summary of Complaint : I am filing a new complaint against Regional Acceptance Corporation. This complaint arises directly from the outcome and handling of my first complaint, CFPB Reference # XXXX, which has not been resolved. 

Details : On XX/XX/year>, I received an email from XXXX XXXX, VP Client Solutions Collection Manager, acknowledging my first complaint and promising a call on XX/XX/year>. 

On XX/XX/year>, I spoke with XXXX XXXX and discussed a tentative reinstatement agreement : {$1600.00} plus storage fees to reinstate my loan. 

Repossession fees to be capitalized into the loan. 

No interest on the reinstatement amount. 

Payoff amount to be negotiated at a later date. 

On XX/XX/year>, I left XXXX XXXX a voicemail to follow up. No written confirmation of the agreement has ever been provided to me. 

Company Responses : On XX/XX/year>, CFPB portal said the company was still working on my first complaint. 

On XX/XX/year>, CFPB portal said the company responded directly to me and provided a copy to CFPB. I never received this response. 

Escalation Issues : I emailed XXXX XXXX ( per CFPB instructions ) and ccd XXXX XXXX. 

When I called XXXXXXXX XXXX on ( XXXX ) XXXX : XXXX ( collections rep ) said XXXX was unavailable and that she did not know who XXXX is. 

XXXX transferred me to her supervisor XXXX, who raised her voice, became frustrated, and treated me in a way I experienced as abusive and disrespectful. 

Impact : I have not received written confirmation of the reinstatement agreement. 

The companys internal confusion over who is responsible ( XXXX vs. XXXX XXXX has stalled resolution. 

The supervisors conduct was harmful and caused me emotional distress, which I have reported to my therapist. 

Requested Resolution : Written confirmation of the reinstatement agreement discussed on XX/XX/year>. 

XXXX assignment of a single point of contact at XXXX who is accessible and accountable. 

Accountability for unprofessional conduct I experienced from the companys staff. 

XXXX that my vehicle will not be sold or further harmed while resolution is pending.

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 2025-10-01 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: TX

Complaint narrative:
I am not connected to the referenced creditors and never gave consent for this inquiry. Please delete it from my report.

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 2025-10-02 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: CA

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN XXXX  DAYS ACCORDING TO FEDERAL LAW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX  XXXX- Account Number : XXXX, Date Opened : XXXX, Balance : {$3600.00} XXXX XXXX XXXX- Account Number : XXXX, Date Opened : XXXX, Balance : {$770.00} XXXX XXXX XXXX- Account Number : XXXX, Date Opened : XXXX, Balance : {$1800.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$6200.00} XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$4900.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$440.00} XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Date Opened : XXXX, Balance : {$1700.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened XXXX XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-01 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: WA

Complaint narrative:
XXXX XXXX XXXX Balance : {$1700.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Balance : {$930.00} Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. 
Note : This appears to be a duplicate reporting of the same account. 
Reasons for Dispute : XXXX XXXX has not provided proper validation of ownership or assignment of the debt. 
The duplicate account is inaccurately reporting the same debt twice. 
XXXX XXXX : {$1000.00} Status : Charged off Reasons for Dispute : These accounts may be inaccurate and/or duplicated. 
The address history associated with these accounts does not match my verified addresses on file. 
XXXX has reported inconsistent and unverifiable information regarding balances and dates. 
XXXX Requested : I request deletion of all duplicate or unverifiable accounts from my credit report in compliance with 15 U.S.C. 1681i and 15 U.S.C. 1681c-2.

Please investigate these accounts and provide written results of your investigation.

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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was issued a {$520.00} refund from the XXXX XXXX XXXX XXXX in XX/XX/year>. I specifically requested a paper check on XX/XX/year>, but the funds were instead sent to a PayPal account I no longer control. PayPal now claims the money was accepted, but I never received it and never authorized this transaction. This is fraudulent because PayPal allowed funds to be released to an account I had no access to, even after I formally requested a different payment method. 

I believe PayPal failed to verify the account ownership and processed the funds improperly. This has deprived me of the refund I am legally entitled to under the FTCs order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I challenge the legitimacy of particular accounts reflected in my credit report. Please perform an exhaustive review and expunge them. Supporting records are provided.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
* Side note- they could not provide me any information on this or so they say I've been having this problem with them for years. I make a payment and notice that I didn't have the available credit. They would apply the payment in 1 to 2 working business days depending on the day of the the week it was paid. The payment would show that it was posted on my acct transaction list and the money had been taken from my bank but change in the available credit. I would call. Ask why they were holding the money after it was posted and cleared from my bank. They rep did NOT have any concrete answer except " sometimes we do that with larger payments. '' Beyond that she didn't seem to know anything else about it and couldn't give me anymore information or tell me anything else. I notice now that the same things are happening with all my payments. Here are a few of my most recent. 
PAYMENT-THANK YOU - {$46.00} XX/XX/year> PAYMENT-THANK YOU- {$8.00} XX/XX/year> PAYMENT-THANK YOU- {$6.00} XX/XX/year> PAYMENT-THANK YOU- {$29.00} ( these were payments I made weeks before my due date ) Posted XX/XX/XXXX, money has been taken from my personal bank account, and has not been made available for credit. In our digital world almost everything is completed in 2 working business days or sooner. How is it possible that a financial institution can hold money for 10 business days which equates to 2 weeks in real time. How is this lawful to supportive consumers?

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