vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to report ongoing and unlawful collection activity from one or more debt collection companies that have been repeatedly contacting and harassing me in connection with an alleged debt. Their actions are causing me significant stress and violate several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Companies Involved : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Summary of Harassment : These companies have contacted me multiple times through [ phone calls, text messages, letters, or emails ], demanding payment on a debt that I either do not owe or that has already been resolved. Despite my written requests for validation and my notice to cease communications, they continue to contact me. 

In addition, these companies have reported or are continuing to report this alleged debt to the credit reporting agencies, despite my disputes and without providing proper verification. This conduct constitutes a violation of the following federal consumer protection laws : Violations Under the FCRA ( 15 U.S.C. 1681 et seq. ) : 602 ( Purpose of the Act ) : Consumers have the right to fair and accurate credit reporting.

607 ( b ) : Credit reporting agencies and furnishers must ensure maximum possible accuracy of reported information.

611 ( a ) : Consumers have the right to dispute inaccurate information, and furnishers must reinvestigate disputed data.

623 ( a ) ( 1 ) ( A ) : Data furnishers may not report information they know or have reasonable cause to believe is inaccurate.

Violations Under the FDCPA ( 15 U.S.C. 1692 et seq. ) : 1692d : Prohibits debt collectors from engaging in harassment, oppression, or abuse in connection with debt collection.

1692e : Prohibits false, deceptive, or misleading representations about a debt.

1692c ( c ) : Requires debt collectors to cease communication after written request.

I have enclosed copies of letters and records of calls demonstrating the ongoing harassment and failure to verify the alleged debt. I have also submitted disputes directly to the credit bureaus, but the false and damaging information continues to appear on my credit reports. 

I respectfully request that the CFPB investigate these companies practices and take enforcement action to : Compel the collectors to cease all communication and collection activity on this disputed debt.

Ensure that all inaccurate or unverifiable information is deleted from my credit reports under FCRA 611 and 623.

Require written confirmation from the credit bureaus and the collectors that the matter has been resolved and reporting has ceased.

Thank you for your attention to this serious issue. Please contact me if further documentation or clarification is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: I.C. System, Inc.
State: OH

Complaint narrative:
I C SYSTEM INC Account Number XXXX Dear Consumer Complaint Division, I am filing a formal complaint against I C SYSTEM INC regarding account number XXXX, opened XX/XX/year>. The original creditor is XXXX XXXX XXXX XXXX, with an original amount of {$210.00}. The address ID associated with this account is XXXX. 
I C SYSTEM INC has engaged in aggressive, misleading, and potentially unlawful debt collection practices violating federal consumer protection laws, including but not limited to : Failure to provide proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, despite my requests for verification.

Use of harassing, deceptive, and abusive collection tactics in violation of 15 U.S.C. 1692d and 1692e.

Reporting unverifiable or inaccurate information to credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 
Failure to furnish key documentation proving the legitimacy and ownership of this debt. 
Possible violations of the Telephone Consumer Protection Act ( TCPA ) related to unauthorized communication methods. 
I demand that I C SYSTEM INC immediately cease all collection activity and credit reporting related to this account until full, verifiable documentation is provided, including original account statements and legal ownership proof. Any continued reporting or collection efforts without validation constitute bad faith and harassment, and I will pursue legal remedies. 
Please acknowledge receipt of this complaint and provide a prompt resolution consistent with federal consumer protection laws.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15UsC 1681s-2 ( b ), 1681i ( a ), 1681e ( b ), 1681c ( a ), 1681i ( a ) ( 5 ) : As par Act ( FCRA ), including 609 ( a ) ( 1 ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), and CFPB Regulation F ( 12 CFR 1006.34 ). The following items listed below, violate my consumer protections due to their unverifiable, incomplete, and outdated nature. I demand permanent deletion of the following Negative accounts listed exactly as they appear on my Innovis credit report, described specifically

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
I was discharged by the Federal Government Bankruptcy Laws XXXX  XXXX and Citizens Pay refuses to report accurate by removing this account from my credit report. Citizens Pay is reporting as of XX/XX/year> thirty ( 30 ) days late. I was discharged under Federal Government Bankruptcy Laws prior to Citizens Pay refusing to comply with the law by removing this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
The original debtor rented an apartment on my name to someone who impersonated me this is result of identity theft I have no knowledge of this lease l have already reported to ftc they dont even have my ssn

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 2025-11-08 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Caine & Weiner Account Number XXXX Dear Consumer Complaint Division, I am submitting a formal complaint against Caine & Weiner regarding account number XXXX, opened XX/XX/year>. The original creditor is XXXX, and the original amount is {$220.00}. Caine & Weiner is acting as a debt collection agency with address ID # XXXX. 
Caine & Weiner has engaged in unfair, misleading, and potentially illegal debt collection practices that violate federal consumer protections, including but not limited to : Failure to provide proper validation of this alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Use of harassing, deceptive, and misleading tactics prohibited under 15 U.S.C. 1692d and 1692e.

Reporting unverifiable or inaccurate information, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 
Refusal to disclose full documentation of the debt and legal ownership, violating transparency requirements concerning debt assignments. 
I demand that Caine & Weiner immediately cease all collection efforts and credit reporting related to this account until full, verifiable documentation is provided, including original account statements and proof of legal ownership. Any continued reporting or collection activity without proper validation constitutes harassment and bad faith and will be escalated legally. 
Additionally, failure to comply with these legal requirements will result in enforcement actions and potential damages as allowed by law. 
Please confirm receipt of this complaint and take prompt action to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
b'I am writing to formally dispute the account and inquiries listed below, which may have \nresulted from exposure of my personal information in the Experian data breach. Under \nthe Fair Credit Reporting Act (FCRA) 602 and 611, I am requesting an immediate \ninvestigation and permanent deletion of any unverifiable or unauthorized information \nappearing on my Experian credit file. \nDisputed Account: \nAccount Name: XXXX XXXX XXXX XXXXAccount NumberXXXX XXXX XXXXOpen Date: XXXX XXXXBalance: XXXX  \nINQUIRIES: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I discovered an account on my credit reports from LVNV Funding reporting a balance of {$6100.00} as a collection. I never authorized, opened, or received any benefit from this account. This is a case of identity theft. 

Additionally, the furnisher and the credit bureaus are reporting inaccurate data, including an open date of XX/XX/XXXX while listing last activity on XX/XX/XXXX. This appears to be illegal re-aging meant to extend reporting beyond the legal 7-year period, which violates : FCRA 15 USC 1681e ( b ) Maximum possible accuracy FCRA 15 USC 1681c ( a ) ( 4 ) - ( 5 ) Obsolete information FCRA Section 602 ( A ) Unfair credit reporting practices FCRA 15 USC 1681c-2 Identity theft blocking requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: AR

Complaint narrative:
I ask that you delete this record and provide me with written confirmation after the removal is completed.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I ask that you delete this record and provide me with written confirmation after the removal is completed.

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 2025-11-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and request the immediate deletion of the following accounts and inquiries from my Equifax credit report due to potential inaccuracies resulting from the recent data breaches. Under the Fair Credit Reporting Act ( FCRA ) Section 602 ( a ) and 611, credit bureaus are required to maintain accurate and verifiable information. I believe the accounts listed below may have been impacted and/or inaccurately reported.

Please investigate these items and provide written verification of their accuracy or remove them promptly from my credit file if they can not be verified. 
Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$580.00} Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$470.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$1000.00} INQUIRIES : 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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I ask that you delete this record and provide me with written confirmation after the removal is completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/year>, I attempted to book a hotel through XXXX using Affirm as the payment option. Within minutes of booking, I called XXXX to cancel because the confirmation screen showed an error. Later that same day, XXXX emailed me stating that your booking was not confirmed and did not go through. 

I immediately contacted the hotel directly, and they confirmed they had no record of my reservation or stay. Because of this, I called Affirm on multiple occasions to inform them that the transaction was invalid. Affirm representatives told me that since the booking was not confirmed, the payment would not process. 

After further investigation, I learned that the hotel later located a reservation under my name and phone number, but it was not associated with the XXXX confirmation number I received, which XXXX itself had previously stated was not confirmed. This shows that XXXX failed to process or communicate the correct booking information, resulting in confusion about whether a valid reservation ever existed. I never received a proper confirmation, was told the booking failed, and therefore did not stay at the property. 

Despite this, about a week later I received an automatic rate your stay email from XXXX even though I never checked in or received any service. I never stayed at the hotel, and the hotel can verify this. 

Affirm has now charged me for the full amount of the booking and insists I am responsible for payment, even after I submitted all of the following documentation : The XXXX email confirming the booking was not successful. 
Written confirmation from the hotel showing I did not have a reservation and never stayed. 
Proof of multiple calls to Affirm reporting the issue before any payment was processed. 

Affirm refused to reverse the charge and also refused to provide any proof from the merchant ( XXXX ) showing that the stay occurred ( such as a signed folio, check-in record, or receipt ). They simply closed the dispute in favor of the merchant without evidence. 

I am disputing this charge because no goods or services were received. I am requesting that Affirm reverse this charge immediately, remove any negative credit reporting related to it, and provide documentation showing what evidence the merchant provided ( if any ) to justify billing me. 

This is a clear billing error under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and a failure by Affirm to investigate the dispute in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Im honestly beyond frustrated with Citi Bank. I applied for the Citi XXXX XXXX credit card, got approved, and thenout of nowherethey put a hold on my account. Its been almost XXXX months now, and the account is still frozen. Ive already submitted every single document they asked for, yet theres been zero progress or clear communication. Its ridiculous that a major bank can treat customers this way after approving their account. The lack of urgency and transparency from Citi is completely unacceptable.

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 2025-11-08 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: PA

Complaint narrative:
Hello Equifax! 

I am reaching out in regards to my credit profile. There has been a misunderstanding, some of my personal information is incorrect. I noticed that there are addresses that I do not live at. That being said, I do feel that Equifax has put my personal information at risk and can be compromised. I have attached to this letter my ID, and proof of my current address so that we both are on the same page moving forward. I also will be including other personal information that should not be on my report. 

XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX Once the incorrect information is deleted off my report, send me the results WITH a UPDATED credit report. I will be keeping track of all our correspondences. 


XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-11-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX is reporting an auto loan with a balance of approximately {$11000.00} that does not belong to me. I have never applied for or co-signed a vehicle loan or lease with XXXX XXXX XXXX. 

On XX/XX/XXXX, I mailed certified disputes with my identification and proof of address to all three credit bureaus. Despite this, XXXX allegedly verified the account as accurate. However, I have never received any signed documentation or application from XXXX to support that verification. 

I believe this account may have been mistakenly associated with my file under an incorrect or old name ( XXXX XXXX or XXXX XXXX ), which are not and have never been my legal names. My legal name is XXXX XXXX XXXX, XXXX XX/XX/XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. 

XXXX continued reporting of this false account is a violation of the Fair Credit Reporting Act ( FCRA 623 ), which requires furnishers to report only accurate and verifiable information. I am requesting immediate deletion or full validation with original signed documents.

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