vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Request for Debt Validation under the Fair Debt Collection Practices Act Account Number : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally request validation of the alleged debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently received a communication from your agency regarding this matter, and I am exercising my right to request full verification of the debt.

Please provide the following : 1. The name and address of the original creditor.

2. A detailed statement of the amount of the debt, including interest, fees, and any other charges.

3. A copy of the original contract or agreement that shows I agreed to the debt.

4. Proof that you are legally authorized to collect debts in my state.

5. The chain of custody or assignment proving you have the right to collect on this debt.

Until you provide the requested validation : You must cease all collection activities.

You must not contact me except to provide the requested information.

You must not report or continue to report this debt to any credit reporting agencies.

If this debt has already been reported, you must mark it as " disputed. '' If you are unable to provide this information, you are required to delete this account from your records and cease further contact.

Please respond to this request in writing within 30 days as required by federal law. 
Sincerely, XXXX XXXX

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

Complaint narrative:
Inconsistent Account Type - TransUnion : " Open account '' - Experian : " Collection '' These are two fundamentally different account types. A collection account should not be listed as " open '' this inconsistency can be disputed as inaccurate reporting. 

Reporting Without Complete Information ( XXXX  )- XXXX  : Not reporting this account at all.

If the debt is valid and being reported by two bureaus, it would usually be reported to all three. This discrepancy suggests an issue with the completeness or legitimacy of the reporting.

Discrepancy in Status / Resolution Comments- TransUnion : Dispute resolved reported by grantor - Experian : Account information disputed by consumer under the FCRA These comments contradict one another. Either the dispute is resolved, or its still disputed.

Date Inconsistencies- Date Last Active : - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX This is a major inconsistency one shows recent activity, the other shows none in over 3 years.

Lack of Proof of Ongoing Collection - No monthly payment amount.

- No recent payment activity.

- No collection agency contact.

These omissions make the debt difficult to verify and could qualify as " unverifiable '' under the Fair Credit Reporting Act ( FCRA ).

This account was CHARGED OFF on the following date ( XX/XX/XXXX ). Since then, the account has repeatedly been updated as CHARGED OFF every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly, and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXXXXXX Account No : XXXX ( see attached )

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 2025-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Subject : Follow-Up Complaint : Nelnet Failure to Provide PSLF-Qualifying Repayment Option During SAVE Hold Dear CFPB, This is a follow-up to my prior complaint regarding Nelnet Nelnets XX/XX/year>, response did not answer my core questions. 

The facts are : My loans are in SAVE Plan forbearance due to court injunctions.

Interest began accruing XX/XX/year>. 
Payments made now do not count toward PSLF.

I requested a repayment plan that ( a ) qualifies for PSLF and ( b ) prevents interest from accruing during this period.

Nelnets response : Restated public information about the injunctions.

Directed me to the Loan Simulator, which I have already used and found unreliable ( different payment results for the same inputs ).

Did not identify a single PSLF-qualifying plan I could enter now.

My request : Please require Nelnet to provide a clear, written answer to these direct questions : 1. Is there any repayment plan available now, during the SAVE hold, that counts toward PSLF?

2. If yes, what is it, and how can I enroll immediately?

3. If no, what specific regulation prevents it?

Anything less than a direct answer to these questions is not responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I purchased a cell phone from best buy XX/XX/year>. 
The purchase price was {$1300.00} I made a down payment of {$300.00} by XXXX debit card, leaving a balance of {$1000.00} The salesman explained there is no interest if I open a Best Buy credit Card and pay the balance in under XXXX year. I was instructed to take electronic statements, not paper statements. 
I made the first payment of {$100.00}. on XX/XX/year>. 
I continued making monthly payments of {$100.00}. each month around the same date. 
Now, after making the XXXX {$100.00}. payment, I called to confirm my remining payment is {$00.00} The credit card company tells me I still have a balance of {$500.00}. They said every payment was late. I said I starting making payments early. They explained they did not credit my account for the first payment in XXXX and all other payments were late. 
They decided not to count my first payment.

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

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Georgia XXXX Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Georgia XXXX Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: FL

Complaint narrative:
I met the terms for the {$200.00} promotional bonus in XXXX. The $ XXXX payroll deposit and the activation of the card. I have contacted the institution after more than 2 weeks of the bonus not being paid. The institution has not responded. The terms very specifically state that the bonus would be paid within 5 business days.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
This company is violating my rights, they have not provided valid information under 12 CFR 1006.34 ( b ) ( 5 ). Yet they have placed a collection on your consumer report. I have reached out multiple times to fix the issues and nothing. They are violating my rights and I am entitled to {$1000.00} for every violation. They either pay me or delete the account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding Experians and Trans Union unlawful reinsertion of a previously deleted account in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). 

The account in question is XXXX  XXXX XXXX XXXX XXXX, opened on XX/XX/year>. 

This account had been previously disputed and deleted from my Experian credit report. Recently, it was reinserted with derogatory late payment marks ( 6089 days late ) without proper written notice within 5 business days, as required by FCRA.

I have never received certified documentation from Experian or the furnisher ( XXXX XXXX XXXXXXXX ) supporting the reinsertion. 

When I disputed the reinsertion, Experian responded that they had updated the information, but they did not provide any proof of certification from the furnisher or the required reinsertion notice.

This violates FCRA 611 ( a ) ( 5 ) ( B ), which states that previously deleted information may not be reinserted without certification from the furnisher and prompt notice to the consumer.

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 2025-08-11 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: MD

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My identity was stolen on XX/XX/XXXX, XXXX i did not have access to any of my bank accounts and other personal financial management things for 2 weeks. when i got everything back, Capital One was the only account i was still locked out of. i called numerous times asking what else i needed to do to gain access to my account. they asked me to provide verification in the form of pictures of IDs and selfies. i did that. i did not gain access. i called again and asked what the problem was and they stated they didnt know. A representative in the phone told me that i had a XXXX balance ( no charges on me and i had no card physically ) so closing a card was not necessary. i received an email about 2 months later stating that i was behind in payments. i called and asked how would i know if i had a payment to make if i didnt have access to my account and if one of their employees told me i had no balance. they had no answer or response. just made excuses for the other employee. i explained that now i have to pay the price with a hurt credit score because of a faulty employee? no reasoning again. i paid the balance, although i probably shouldnt have because i was also charged a late fee. they reported the late fee and closure of the card to the major bureaus and destroyed my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-08-11 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: NC

Complaint narrative:
I have previously disputed Experian and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Southwest Credit Systems XXXX XXXX XXXX XXXX, TX XXXX Re : Debt Validation Request Account # XXXX | Alleged Balance : {$1200.00} Original Creditor : XXXX To Whom It May Concern, This letter is a formal demand for validation of the above-referenced alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq., and applicable provisions of the Uniform Commercial Code ( UCC ).

You are required to provide : ( 1 ) a complete itemization of the alleged debt ; ( 2 ) the full chain of title from the original creditor to you, including assignment contracts ; ( 3 ) the original signed agreement bearing my signature; and ( 4 ) a copy of any security agreement or instrument granting you authority to collect.

Case law such as Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) and Fields v. Wilber Law Firm, 383 F.3d 562 ( 7th Cir. 2004 ) confirms that failure to provide proper validation violates federal law. Furthermore, the U.S. Supreme Court in Jerman v. Carlisle, 559 U.S. 573 ( 2010 ) held that debt collectors are strictly liable for violations of the FDCPA.

If you have reported this account to any consumer reporting agency, be advised that continued reporting without complete validation constitutes willful noncompliance under 15 U.S.C. 1681n and 1681o, exposing you to actual, statutory, and punitive damages.

You have 15 days from receipt of this notice to either provide the requested validation or delete this account from all credit reporting agencies.

Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as consideration of private legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXXXXXX 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 non-monetary relief