vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XXXX XXXX,

2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: EMG ACQUISITION GROUP, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX of 2025 I revoked the right from this company to take ACH automatic payments from my bank account. I emailed me back asking me how I would be paying. I stated through my bank account ( I have 2 accounts ). This company believe I just wished to have auto pay turned off. I stated in the email that I was requesting all automatic payments be stopped. Per the contract this was my right and would stop all automatic payments from both my debit card and checking account number. 
On XX/XX/XXXX there were two charged for the loan amount taken out of my bank account after automatic payments had been revoked. When I reached out to the company they advised that ACH / debit payment revocation was different than automatic payments. I did advised them that automatic payment do full under the ACH/Debit payment revocation and they had no legal right in doing so. The next day another payment was taken from my account. They stated I was 2 weeks behind and that is just what they do, it was again explained that was not an authorized transaction I would be disputing with my bank. They again stated these payments were off. The on XX/XX/XXXX I received an email that the payment would yet be taking from my account. I reach out to customer service via the customer portal to be able to document all conversations. Customer service advised that all payments were still on. I never gave back authorization for any payment to come out. I did advise them that I would not be making any more payments until my bank finished their investigation. My bank with the evidence reversed the charges as they were illegally taken from the account. The company refused to refund the payments or acknowledge that they breached the contact or failed to acknowledge that Electronic Fund Transfer Act ( EFTA ) : Once you revoke authorization, its illegal for the lender to continue automatic withdrawals.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XXXX XXXX,

2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and 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.

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 2025-08-23 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: CA

Complaint narrative:
CFPB Complaint Equifax Information Services LLC Subject : Equifax Stall Tactics and Continued Reporting of Inaccurate Accounts Details : I am filing this complaint against Equifax Information Services LLC for repeated violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX. Stall Tactics On XX/XX/year>, Equifax sent me a letter claiming they could not locate my credit file and demanded I resubmit proof of my Social Security number and current address. 

Equifax already has this information from prior disputes and CFPB submissions. 

This repeated request is a stall tactic designed to delay or avoid reinvestigating my disputes. 

These actions violate FCRA 611 ( a ) ( failure to conduct a reasonable reinvestigation ), 611 ( a ) ( 7 ) ( failure to provide method of verification ), and 1681g ( failure to provide full file disclosure ). 



XXXX. Continued Reporting of Inaccurate Accounts Equifax continues to inaccurately report the following disputed accounts : * XXXX XXXX XXXX XXXX ( Charge-off, Acct. ending XXXX ) * XXXX XXXX XXXX XXXX XXXX ( XXXX, Acct. ending XXXX ) * XXXX XXXX XXXX XXXX XXXX ( Charge-off, Acct. ending XXXX ) previously deleted and then reappeared. 


These accounts remain on my Equifax report despite multiple disputes and evidence provided. 

Equifax is verifying these accounts without providing the legally required method of verification, violating FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ).

Regulatory Context : I have already filed a related complaint with the Federal Trade Commission ( FTC ), Report Number XXXX, regarding Equifaxs stall tactics. 

This shows a clear pattern of delay, evasion, and failure to comply with federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I called The Bureaus four separate times ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) requesting my account number, debt validation, and instructions on how to pay the balance. Each time, the representatives refused to provide the information. Twice they promised to email me a form to make payment, but nothing was sent. On my last call, they hung up when I again requested my account number. As of today, I still have not received the legally required written debt validation notice. Without this, I can not verify or resolve the debt. This appears to be a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: January Technologies, Inc
State: FL

Complaint narrative:
I settled the balance with XXXX XXXX and they are still reporting on my credit that I owe {$1000.00} which is showing negative and it's affecting my credit score due to the fair credit reporting act they need to report on my credit accurate information that is not accurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I sent TekCollect a written debt validation request under the Fair Debt Collection Practices Act ( FDCPA 809 ). I specifically requested a copy of the signed contract, treatment/payment history, proof of assignment, and identification of the current creditor. TekCollect has not responded or provided any of the required validation, yet continues to attempt collection. This is a direct violation of FDCPA 809 ( b ), which requires all collection activity to cease until proper validation is provided.

Prior to this, I filed a complaint with the XXXX XXXX XXXX against XXXX XXXX XXXX ( XXXX ), the original financer. In response, XXXX stated that they could not take any action and referred me to TekCollect, despite never providing the requested documentation. I rejected their response because they failed to validate the debt, but the XXXX  closed the case as Answered consumer dissatisfied.

This demonstrates a pattern : both XXXX and TekCollect are refusing to provide legally required documentation while still pursuing collection. The alleged debt is tied to XXXX, which ceased operations and failed to provide the contracted services. This represents a frustration of contract and impossibility of performance, raising substantial questions about whether the debt is valid or enforceable at all.

I am requesting that CFPB review this matter, require validation of the alleged debt, and investigate whether XXXX and TekCollect are in violation of FDCPA and FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
On XX/XX/year>, I sent LVNV Funding LLC a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). USPS records confirm that the letter was received and signed for on XX/XX/year> ( green card attached ). 

On XX/XX/year>, LVNV Funding responded by sending me a debt verification packet. 

On XX/XX/year>, I sent Resurgent Capital Services ( same mailing address as LVNV Funding LLC ) a Pay-for-Delete ( PFD ) settlement offer for {$170.00} in good faith to resolve the account. USPS records confirm that this letter was received and signed for on XX/XX/year> ( XXXX XXXX attached ). 

Despite receiving my documented settlement offer, Resurgent/LVNV ignored it and instead mailed me another verification packet dated XX/XX/year>, which I did not receive until XX/XX/year>. This packet again failed to acknowledge or address my settlement proposal. 

This behavior demonstrates bad faith collection practices. I made a clear, reasonable, and documented offer to resolve the account. LVNV/Resurgent ignored my good faith attempt and instead continue to report this account negatively on my credit report while recycling verification letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX Chase Claim number : XXXX Claimed related to account number : XXXX I lost my Chase debit card and discovered multiple transactions that I did not authorize. I reported the loss and the unauthorized purchases to Chase immediately on XX/XX/scrub>/25 well within the Regulation E time limits. 

Chase issued a provisional credit while they investigated. After their investigation, they reversed the credit and removed the funds from my account, claiming the transactions were authorized. I did not make, authorize, or benefit from these purchases. I did not provide my card, PIN, or account details to anyone.

I requested evidence of how Chase determined these transactions were authorized, but I have not received a clear explanation or documentation.

Under the Electronic Fund Transfer Act and Regulation E ( 12 CFR 1005 ), I am entitled to a proper investigation and reimbursement for unauthorized transactions reported promptly. I am requesting that the CFPB require Chase to : Provide all evidence used in their decision.

Reimburse me for the unauthorized transactions.

Correct my account balance and any fees or interest caused by this reversal.

Chases reversal of the provisional credit is financially harmful and appears to violate my rights under Regulation E.

Desired Resolution : Full reimbursement for the unauthorized transactions.

Written explanation and supporting documentation for Chases decision.

Reversal of any related fees or negative impacts on my account.

I have attached the proof that I was in XXXX XXXX  Ca

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NY

Complaint narrative:
Dispute of Inaccurate Late Payment Reporting Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute th

e reporting of a 30-day late payment on the above-referenced account, which is a closed, paid secured loan. According to my records, this account has been paid in full and should not reflect any late payments. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to dispute incomplete or inaccurate information in my credit report. The FCRA requires credit reporting agencies to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. Please investigate this matter and remove the inaccurate 30-day late payment from my credit report. I have enclosed copies of any supporting documentation showing that this account was paid in full. I request written confirmation of your investigation and the results, as required under the FCRA.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
Information leaked in a data breach. XXXXXXXX XXXX XXXX and spring oaks capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: CL Holdings LLC
State: TX

Complaint narrative:
In XX/XX/year>, I disputed several accounts on my credit file from Jefferson Capital, XXXX XXXX XXXX and XXXX XXXX XXXX I also contacted these creditors, and they could not validate the debts, provide the correct amounts, or give updated information. 

Despite this, the accounts are still being reported. My file shows reinvestigation, but no actual investigation was conducted. I contacted your office and was refused assistance. 

This is a violation of my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2, which requires furnishers of information to provide accurate reporting and mandates correction or removal of inaccurate or unverifiable information. 

If the debts can not be fully validated with proper documentation from the original creditor, they must be deleted from my report immediately. 

1 ) Jefferson Capital Account # XXXX Amount {$980.00} ( Could not validate debt and ignored all communications the info they are reporting is not accurate at all. 

2 ) Jefferson Capital Account # XXXX Amount {$4100.00} Could not validate debt and ignored all communications the info they are reporting is not accurate at all. 

3 ) Jefferson Capital Account # XXXX Amount {$2500.00} Could not validate debt and ignored all communications the info they are reporting is not accurate at all. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX {$940.00} Could not validate debt and ignored all communications the info they are reporting is not accurate at all. 

XXXX XXXX XXXX XXXX Funding Account # XXXX Amount {$1700.00} Could not validate debt and ignored all communications the info they are reporting is not accurate at all. 

XXXX XXXX XXXX Account # XXXX Amount {$520.00} Disputed this because its been paid STATUS ON REPORT SAYS PAID. But the credit bureau will not remove it or fix the inaccurate reporting. 

XXXX XXXX XXXX XXXX Account # XXXX Amount {$280.00} Status says charged off, and they are inaccurately reporting it as still open with a dollar amount. 

XXXX Account # XXXX Amount {$150.00} Charge off reporting a balance like its an open account, inaccurately reporting. 

RESOLTION REQUESTED ALL OF THIS ACCOUNTS SHOULD BE DELETED FROM MY ACCOUNT IMMEDILATY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: MS

Complaint narrative:
Subject : Formal Complaint Against Equifax and XXXX XXXX  for Improper Reinsertion of Unverifiable Bankruptcy Record Violation of FCRA 1681i To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding Equifax and XXXXXXXX XXXX XXXXXXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ) ( 5 ) ( B ), in connection with the handling of a bankruptcy record on my credit report. 
On XX/XX/year>, Equifax deleted a bankruptcy entry from my credit file after deeming it unverifiable. This action was appropriate and consistent with FCRA guidelines. However, on XX/XX/year>, Equifax reinserted the same bankruptcy record, allegedly furnished by XXXX XXXX, without providing the required notice or documentation. 
This reinsertion constitutes a clear violation of FCRA 1681i ( a ) ( 5 ) ( B ), which mandates that : A consumer reporting agency may not reinsert the information into a consumers file unless the furnisher of the information certifies that the information is complete and accurate. The agency must also notify the consumer within 5 business days of the reinsertion.

The fact that this bankruptcy was previously deemed unverifiable and removed, only to be reinserted two days later without following the legally mandated procedures, is both unlawful and damaging to my credit profile. This conduct undermines the integrity of the dispute process and violates my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CO

Complaint narrative:
In XX/XX/XXXX Firstmark acquired my private student loans from XXXX. For two years I had been making my loan payments the same way and have not had an issue. My employer uses a company called XXXX  to issue a paper check in the amount of {$200.00} to my student loan processor as part of my benefits package. I then go in and pay the difference of my monthly amount due. Firstmark has been taking my payments and applying them to two of the loans on my account. Payments for the third loan are not being applied causing late payments and interest to occur. This is despite the full amount due each month being satisfied. 
For the payment due XX/XX/XXXX I made a payment to XXXX on XX/XX/XXXX. At that time the check from XXXX had not been issued. I spoke with a representative from Firstmark on XX/XX/XXXX and was advised XXXX would forward the check and it would be applied for my XX/XX/XXXX payment date. 
On XX/XX/XXXX I called Firstmark because my account was showing {$81.00} past due. The agent put in a ticket for review to adjust the account because all payments had been made but the payments were misapplied causing the late payment. 
On XX/XX/XXXX I called again to check on the status of the payment adjustments. No change had been made. 
XX/XX/XXXX I called Firstmark regarding this issue as the account was still showing past due. 
On XX/XX/XXXX I called as my account was now showing {$96.00} past due. Another ticket was placed to re apply my payments. 
In XX/XX/XXXX Firstmark reported my loan account delinquent to the credit bureaus. 
I called on XX/XX/XXXX where a ticket for payment adjustments due to payments being misapplied was submitted. A request for credit reporting reversal was made. 
XX/XX/XXXX I called to check the status of these tickets. The agent informed me multiple months had been misapplied. Advised to put account into forbearance to bring to current and to avoid any further negative credit reporting. XX/XX/XXXX agent emailed me saying a forbearance was not needed due to the account not being in danger of negative credit reporting. 
XX/XX/XXXX I called to check status of ticket for misapplied payments. New adjustment requested. 
XX/XX/XXXX called to check status, was told to call back due to ticket still pending with finance team. 
XX/XX/XXXX Spoke with agent who stated ticket was closed stating no adjustments needed to be made. Agent suggested to put account into forbearance to bring to current. Request made by agent. Was told that account was put into forbearance for XX/XX/XXXX. Firstmark showing {$240.00} amount due for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: TX

Complaint narrative:
Bought a watch from someone through cash app item did not last

Company response to consumer: Closed with explanation