vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EGL US, LLC
State: GA

Complaint narrative:
This company is through my job XXXX XXXX XXXX and is payroll deducted is the only way you can receive the loan. In XXXX I received an alert from my credit report taking late payment from Bmg Money. I called concerning the matter and was told I've missed XXXX payment. I asked how when its payroll deducted from the beginning term of the loan. The representative said because you selected bi weekly. I told the representative thats not true because i get paid semi monthly because XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. I got the loan in XXXX of XXXX but just received a call in XXXX of XXXX. I have enclosed documents to prove that they are trying to collect extra payments. The representatives and very rude they hang up in your face. There are documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Entries for late payments appear on my credit report that I believe to be inaccurate. Pursuant to 15 USC 1681e ( b ) and 1681i of the Fair Credit Reporting Act, consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report. I am requesting that each of these late payment entries be fully investigated and verified. If any of the entries can not be confirmed as accurate, complete, and verifiable, I respectfully request that they be corrected or permanently removed from my credit 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 2025-08-08 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: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting the permanent deletion of all inaccurate late payment entries for the following accounts, as they were always paid as agreed and I never received proper billing notices or payment due notifications : XXXX Account No. XXXX XXXX Account No. XXXX XXXX Account No. XXXX XXXX Account No. XXXX To resolve this matter in compliance with FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), 1681i ( a ), and 15 U.S.C. 1666B, I require that the credit bureau : Conduct a full reinvestigation with the furnishers to obtain documented proof that proper billing notices and due dates were sent before reporting these late payments. 

Delete the disputed late payment entries if such proof can not be produced. 

Provide a corrected credit report and written confirmation of the deletions within 15 business days.

This action will bring the bureau into compliance with federal consumer protection laws and fully resolve my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NY

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. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Cease and Desist Alleged Debt Collection To Whom It May Concern, This letter serves as my formal Cease and Desist request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I demand that you immediately stop all communication with me regarding the alleged debt connected to my name and/or personal information.

I dispute the validity of this alleged debt and require that you provide full debt validation before any further collection action. This includes : 1. The name and address of the original creditor.

2. A detailed statement of the amount claimed, including itemization of fees and interest.

3. Documentation proving I am legally obligated to pay this debt.

You are hereby instructed to cease all phone calls, letters, emails, or other contact regarding this matter, except to provide the requested validation or to inform me that no further collection attempts will be made.

If you continue to pursue this matter without proper validation, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Office. I will also consider pursuing legal action for any violations of my rights under federal or state law.

You have XXXX days from the date of receipt of this letter to comply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
There is a collection account listed on my credit report as CREDIT COLL Account # XXXXXXXX XXXX XXXX. Credit Collection failed to provide me with disclosure required by federal law of my right to dispute this debt. If Credit Collection did provide notice I would like a copy of the mailing envelope that shows my name and address. It is my belief that this disclosure was never sent and Credit Collection violated my consumer rights under the Fair Credit Reporting Act. Also I would like a copy of the chain of ownership to prove you have a right to the amount you claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next XXXX days. Ive included documents that explain my situation.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is an address showing on my Experian credit report which is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX this address does not belong to me, I have tried numerous times to have them delete it and they said it is verified, I have asked them to explain how it was verified and have been completely ignored, this information is not correct and I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received XXXX letters from XXXX different banks stating that my application for a credit card was denied, and of course since my credit is not good enough the banks denied the applications. 

However, I can guarantee you that because my credit is not good right now that I would not try to apply for credit cards. There were XXXX fraudulent attempts for now. XXXX of them came from Wells Fargo ( We have a credit card already with them ) and the application was denied for various reasons. I know that I did not apply for another credit card with Wells Fargo. Besides that, the application denial was " forwarded '' to our mailing address because we recently moved a year ago and it had the " old '' address on the denial letters. The bank has our address already, so that is another sign that this was a fraudulent attempt to open credit in my name. 

The XXXX letter that also arrived was from XXXX XXXX XXXX out of XXXX XXXX, NV. I had an account with them. It is currently closed, however the denial letter stated that they " denied '' my pre-approval application because their system recognized the attempt as a potential fraudulent attempt to open an account. That is good, but I did not authorize that attempt either. These XXXX attempts are proof that my name/social security number, etc has been compromised.

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 2025-08-08 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX Balance : {$0.00} EAGLELOAN XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX Balance : {$0.00} EAGLELOAN XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2025-08-08 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:
Please help me investigate accounts from these companies that are incorrectly reporting me as late. Upon reviewing my credit report, I found certain accounts with inaccurate late payment marks. These accounts should not have any late payment remarks. I request these remarks be removed and the accounts updated to reflect the agreed positive status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was charged multiple late fees and interest charges on my Capital One credit card account ending in XXXX, even though I made a full replacement payment promptly after an unexpected ACH failure. 
The original payment attempt was made via my Interactive Brokers ( IBKR ) linked checking account. This account had sufficient funds at the time and has been used successfully in the past for Capital One payments. However, this time, Capital One failed to pull the funds and claimed the account " did not exist ''. 

I was not notified in advance of any issue with the payment, and as soon as I noticed the failure, I made a full replacement payment from a different bank ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for {$1500.00}. 

Despite this prompt action, I was still charged multiple Past Due Fees : {$25.00} on XX/XX/XXXX {$29.00} on XX/XX/XXXX {$40.00} on XX/XX/XXXX And was also charged interest on purchases on XX/XX/XXXX and XX/XX/XXXX. 
When I called Capital One to dispute these charges, I was told my account was locked and the agent could not assist me. When I asked about closing the account, I was told that closing the account would forfeit my ability to dispute any of these fees, which is extremely concerning and potentially misleading. 

In addition to the fees, Capital One also forfeited {$22.00} in cash back rewards that I had earned on the account, which I believe is unjustified. 

These fees are unfair and not due to any fault on my part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a certified letter to LVNV Funding LLC requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I requested proof that I am legally responsible for the debt, a copy of the original contract with my signature, and a complete itemized statement showing how the balance was calculated. XXXX tracking confirmed delivery on XX/XX/year>, at XXXX am. 

As of today, the company has not provided any of the requested documentation. Despite this, they have continued collection efforts, including reporting the account to the credit bureaus. This violates the FDCPA, which requires that all collection activity stop until proper validation is provided.

Company response to consumer: Closed with explanation