vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to verify the accuracy and validity of the disputed item within 30 days of receiving this notice. Furthermore, any information found to be the result of a data breach must be deleted or blocked within four ( 4 ) business days of receipt of this letter. If verification can not be completed, the item must be removed from my credit report.

I have submitted a sworn affidavit attesting that my consumer credit report contains clear evidence of fraud and unauthorized inquiries. Accordingly, I demand that you take immediate action to delete or block the affected items to avoid further escalation. 

Failure to verify the item in compliance with the FCRA, while continuing to report it, will leave me no option but to pursue legal action. This includes seeking actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. A copy of the relevant statute is enclosed for your reference.

Please be advised that I reserve the right to initiate legal proceedings in any appropriate state or federal court, including small claims court in my jurisdiction. I expect this matter to be resolved promptly and in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am filing this complaint to report willful violations of federal consumer protection laws by LVNV Funding LLC. This company has unlawfully reported a debt to consumer reporting agencies without first providing mandatory validation, dispute rights, or legal disclosures as required by federal law. 
This conduct is not only reckless but also demonstrates blatant disregard for consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The company : Reported a debt to credit bureaus without providing the required written validation notice, violating 12 CFR 1006.34 ( b ) ( 5 ).

Failed to provide a proper notice of the right to dispute the debt before furnishing the data to credit bureaus, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furnished data to consumer reporting agencies without required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 1 ) ( A ).

Continued to report the debt without investigating or responding to my written dispute, in violation of 15 USC 1681i and 1681s-2 ( b ).

Used false, misleading, and deceptive collection tactics that constitute unfair practices under the FDCPA and other federal consumer laws.

Despite my formal demand for validation, this agency has refused to provide any evidence of the debt, including : A copy of the original signed agreement A full itemization of the balance Proof of ownership or assignment of the debt Proof of licensing and bonding in my state This is a serious breach of federal law. Reporting unvalidated, inaccurate, or disputed debts constitutes injurious conduct that causes credit damage and legal harm to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I am filing this complaint to dispute an account on my credit report that I firmly believe contains inaccurate and incomplete information. Despite submitting multiple disputes, the issue has not been corrected, and there is no indication that a proper or thorough investigation has been conducted. 

This unresolved matter has become a serious source of emotional strain and is now impacting my daily well-being. The continued lack of resolution is both frustrating and discouraging. 

Let me be absolutely clear : this is a specific and legitimate dispute, and I am not seeking generic responses or pre-written template letters. I personally prepared and submitted each of the disputes I've sent, along with the appropriate identifying documentation needed for prompt processing. Under the Fair Credit Reporting Act, you are obligated to conduct a thorough and good-faith reinvestigation of every aspect of the item in question not just the tradeline, but all related fields, codes, and data elements. 

Thank you for your time and prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I am filing this complaint to dispute an account on my credit report that I firmly believe contains inaccurate and incomplete information. Despite submitting multiple disputes, the issue has not been corrected, and there is no indication that a proper or thorough investigation has been conducted. 

This unresolved matter has become a serious source of emotional strain and is now impacting my daily well-being. The continued lack of resolution is both frustrating and discouraging. 

Let me be absolutely clear : this is a specific and legitimate dispute, and I am not seeking generic responses or pre-written template letters. I personally prepared and submitted each of the disputes I've sent, along with the appropriate identifying documentation needed for prompt processing. Under the Fair Credit Reporting Act, you are obligated to conduct a thorough and good-faith reinvestigation of every aspect of the item in question not just the tradeline, but all related fields, codes, and data elements. 

Thank you for your time and prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint against XXXX, who has failed to honor a pay-for-deletion agreement that I entered into in good faith. Despite satisfying the debt in full, the account continues to appear on my credit report, thereby causing significant harm to my credit score and financial reputation. This is an outright violation of the agreement and represents an egregious lack of professionalism, transparency, and adherence to ethical business practices. 



Here are the key facts : XXXX. Pay-for-Deletion Agreement : I entered into a clear agreement with [ Insert Name of Editor/Creditor ] wherein I paid the debt in full with the explicit understanding that they would delete the account from my credit report once payment was made. 

XXXX. Payment Made : I made the full payment on XX/XX/XXXX, as confirmed by my bank XXXX. Failure to Delete : Despite the payment being processed and the agreement in place, the account continues to appear on my credit report as of XX/XX/XXXX This is a clear breach of the pay-for-deletion agreement and is causing ongoing, unjust harm to my credit. 

XXXX. Inaccurate Reporting : The reporting of this account on my credit report is not only inaccurate but also fraudulent, as the agreed-upon deletion has not been honored. The persistent appearance of this account undermines my creditworthiness and is a direct violation of the Fair Credit Reporting Act ( FCRA ). 



I demand immediate action from both XXXX and the credit bureaus to : Remove the account from my credit report immediately, as per the terms of the pay-for-deletion agreement. 

Provide written confirmation that the account has been deleted from all reporting agencies. 

Ensure no further negative impact on my credit score as a result of this unresolved issue. 



I trust the CFPB will thoroughly investigate this matter and hold the responsible parties accountable for failing to meet their obligations. Should this issue not be resolved within [ insert a reasonable time frame, e.g., XXXX  days ], I will consider further legal action to protect my rights and restore my credit.

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 2025-05-06 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: ID

Complaint narrative:
b"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 \nI received a copy of my credit report from Experian, and there are some payments I DO NOT GIVE PERMISSION TO PUBLISH\n\nPlease make the changes & send me an updated report showing they have been removed \n\n1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX \nPaid in settlement. XXXX Closed\n\n2. XXXX XXXX Account Number: XXXX  Late payment XXXX XXXX\nthis was not my card and was a secret card that my ex husband took out and never told me about. I filed for divorce in XXXX  due to his financial dishonesty and also due to abuse and it is defamation of character having this tied to me and I should not have this inaccurate information remain on my credit report.\n\n3. Late payment for XXXX  XXXX XXXX XXXX XXXX I called XXXX  many times to have this removed and explain to them that their system was not allowing payments in full and though I tried repeatedly to pay this in full and to dispute this late charge reported I cannot get through on their customer service credit line.  This late payment is a XXXX  error, as their system would not allow the payment I desired to process and needs to be removed immediately and is costly as it raises potential interest rates for me.\n\n4. XXXX XXXX XXXX XXXX XXXX late payment.  This again was an error of my ex husband during our divorce who called the company, tampered with the mailing address and this late payment needs to be removed from my credit report. \n\nAccording to the Fair Credit Reporting Act, a consumer's credit information is only shared when they have given their express written consent.It protects consumers from unauthorized access to their credit reports.\n\nI DO NOT GIVE WRITTEN INSTRUCTIONS for THESE LATE PAYMENTS TO BE PUBLISHED ON MY CREDIT REPORT\n\nAnd according to 15 USC 1681s-2 they are suppose to 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.\n\nAgain, I do not give permission for this information to be published and it needs to be removed 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 explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX I submitted a request for equifax to investigate inaccurate reporting accounts found within my equifax credit report for accuracy, the company responded in XXXX and requested me to verify my identity in order to progress with the investigation. 

I submitted my forms of verification as well as resubmitted an investigation request on XX/XX/XXXX and have not received any status updates regarding an open investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
RE : Account # XXXX Formal Debt Validation Demand Pursuant to 15 U.S. Code 1692g ( b ) To Whom It May Concern, This letter is in response to a collection entry appearing on my credit report and/or recent communication received regarding the alleged debt with account number XXXX. Be advised, this is not a refusal to pay but a notice that your claim is disputed and validation is demanded. 

Under the Fair Debt Collection Practices Act, you are required to provide me with the following information within 30 days : The name and address of the original creditor ; The amount of the alleged debt broken down by principal, interest, fees, etc. ; A copy of the original signed contract or agreement bearing my signature and outlining my obligation to the debt ; Verification that you are legally authorized to collect in my state and on this account ; Complete payment history, including all charges, interest, and fees added ; Proof of chain of custody from the original creditor to your agency. 

You are hereby notified that until this debt is properly validated, you are to cease all collection activities, including reporting to any credit bureau. Reporting inaccurate or unverified information is a direct violation of 15 U.S. Code 1681s-2 of the FCRA. 

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue legal remedies for any violations of my rights under federal and state law. 

All future communication must be in writing. You are not authorized to contact me via phone under any circumstances. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Student loans were paused for a long time, and after those pauses ended, I did not receive any communicationby mail, phone, or other common methods from XXXX letting me know that my loan repayments had begun again. For three months, I was unaware that payments were due. I only discovered this when I had went to purchase a car, and sitting there the salesman let me know that I was not qualifying for any of the loans. 

After this had happened, I immediately took action by first making the balance of the student loan account current and then paying the account off in full. Despite this, XXXX is still reporting the loan as delinquent to the credit bureaus, which is severely impacting my credit score. 

I had no opportunity to avoid delinquency because I was never informed that repayment had resumed by XXXX, which seems like a failure of basic duties and courtesies that a loan provider could do. Moreover, even after the loan was fully paid, the delinquency continues to be reported, which is misleading and damaging. 

Thank you for your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Student loans were paused for a long time, and after those pauses ended, I did not receive any communicationby mail, phone, or other common methods from XXXX letting me know that my loan repayments had begun again. For three months, I was unaware that payments were due. I only discovered this when I had went to purchase a car, and sitting there the salesman let me know that I was not qualifying for any of the loans. 

After this had happened, I immediately took action by first making the balance of the student loan account current and then paying the account off in full. Despite this, XXXX is still reporting the loan as delinquent to the credit bureaus, which is severely impacting my credit score. 

I had no opportunity to avoid delinquency because I was never informed that repayment had resumed by XXXX, which seems like a failure of basic duties and courtesies that a loan provider could do. Moreover, even after the loan was fully paid, the delinquency continues to be reported, which is misleading and damaging. 

Thank you for your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Student loans were paused for a long time, and after those pauses ended, I did not receive any communicationby mail, phone, or other common methods from XXXX letting me know that my loan repayments had begun again. For three months, I was unaware that payments were due. I only discovered this when I had went to purchase a car, and sitting there the salesman let me know that I was not qualifying for any of the loans. 

After this had happened, I immediately took action by first making the balance of the student loan account current and then paying the account off in full. Despite this, XXXX is still reporting the loan as delinquent to the credit bureaus, which is severely impacting my credit score. 

I had no opportunity to avoid delinquency because I was never informed that repayment had resumed by XXXX, which seems like a failure of basic duties and courtesies that a loan provider could do. Moreover, even after the loan was fully paid, the delinquency continues to be reported, which is misleading and damaging. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XXXX XX/XX/25 numerous transactions was made with my credit card discover. Transactions that I didnt notice I i believe that this transaction was mark as red flag and they was cancelled for some how in that week I log to the app to see my credit scores because I was thinking to buy a new car I notice its was a good scored got to buy it I wait already this transaction from XXXX XXXX XXXX XXXX was made with my card I didnt notice it when I call to discovery after my vacations in XXXX XXXX XXXX The representative notice few more transactions was made but in my side of the account I couldnt notice not sure why? I dispute as well the new transactions but XXXX XXXX at first I was thinking about like sea not sure few week someone from Discovery call me to straight accused me of doing it or commit a fraud they way she talk to me. She said that IP Addresses was the same of XXXX of my XXXX and because of that XXXX responsible for those charge I arguing over and over if its was my home XXXX ADDRESS I WOULD SAID OK IS MY HOUSE BUT A PHONE? that Im Not sure if is one for my older devices could be many things they dont provide me what products was buy they dont provide IP.adress of which device or the info of the buyers etc I fell this is a XXXXXXXX XXXX XXXX XXXX because I had a big argument with their representative over the phone i dont know whom has that phone. At this time because they can anything that phone and discovery will charge me because its my old phone IP ADRESS I WANT another agency or government to investigate this because I dont trust this credit card investigation department because I see is only benefit theirs own interest. Not me I cant pay this money because I dont spend it or buy it or used it this company is treat me to report my account to the credit bureau Im goin to fight this case because is not fair at all for me and my family I have the truth and its will come out the company dont Want to pay for unauthorized transactions they are trying to avoid pay or valide they rules or accounts policy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
My mortgage was transfered to be serviced by PHH Mortgage Services at the beginning of XX/XX/year>. My issue is with the {$7.00} monthly fee they charge to make a payment from my bank account if I use their website. I think this wrong ; I've never had any bank charge for electronic payments.

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