vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The audacity to include negative information, certified or not, is an infuriating insult. I will not tolerate such injustice, and I demand an immediate and thorough investigation into the potential failures that led to this woefully inaccurate credit report. The lack of adherence to the Fair Credit Reporting Act ( FCRA ) and applicable data field formatting standards raises serious concerns regarding my rights as a consumer. This situation has far-reaching consequences, and I expect nothing short of a comprehensive document that meticulously details the evidence for each claim made. The integrity of my personal and financial information hangs in the balance, and any potential deviation from the mandated standards, as outlined in the XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ), represents a concerning lapse. I implore you to rectify this issue immediately and ensure the removal of any potentially inaccurate accounts from my credit report. My financial well-being and peace of mind depend on it. 

LVNV FUNDING - XXXX LVNV FUNDING - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: NM

Complaint narrative:
Somehow, my autopay that is set up was turned off without my consent. The app and website of the lender stated that my next autopay couldn't be until XX/XX/year>, even though I set it up to make payments every month. 

The app and website do not allow customers to change/update autopay. The only option they give us to call the number of a local branch. 

I called the number provided by the app and spoke with employee XXXX XXXX before XXXX on XX/XX/year>. I explained the situation and asked her why they did this without my consent. I also requested that One Main Financial cease sending me unsolicited mail regarding new loans and increases to my current loan because I wasn't interested in doing any more business with a shady company. 

XXXX XXXX became angry that I mentioned it was shady for them to shut off autopay, and not giving consumers the option to change/update autopay online via app and website. She never apologized for the inconvenience this had caused and decided to argue with me. She went on to tell me that it's not her job to listen to customers complain. I asked her what the nature of her job was and she refused to answer and eventually hung up on me after she gave me the number to corporate when I requested it. 

This issue has gas not been fixed and they're still sending me unsolicited mail. 

Also, their app and website don't allow customers to see what their current loan payoff amount would be. You have to call the number provided on the app. They refuse to assist me already and won't allow me to change my autopay any other way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: AR

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act.

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 2025-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2025-10-27 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: AR

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: AZ

Complaint narrative:
I am submitting this complaint to bring to your attention serious violations committed by the credit bureaus and furnishers that have caused significant harm to my credit profile and reputation. I have consistently disputed the inaccurate address and account listed below ; however, the credit bureaus have failed to correct or remove these items, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX These addresses are not mine. Reporting unverified addresses violates FCRA 607 ( b ). Delete them immediately. 

XXXX XXXX  XXXX XX/XX/XXXX {$350.00} Charge Off No proof or validation has been provided. Reporting without verification violates FCRA 611 and 623 ( a ) ( 1 ) ( A ). Delete this unverifiable account. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$490.00} Charge Off No signed agreement or proof of debt was shown. Continued reporting violates FCRA 607 ( b ). Remove this entry. 

XXXX XXXX XXXX XX/XX/XXXX {$2500.00} Charge Off Data inconsistent and unverified. Violates FCRA 611 ( a ) and 607 ( b ). Delete immediately. 

XXXX XXXX XXXXXXXX XX/XX/XXXX {$3800.00} Late Payment No records of missed payments provided. Violates FCRA 623 ( a ) ( 1 ) ( A ). Remove this inaccurate entry. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX validation or record of debt. Continued reporting breaches FCRA XXXX. Delete immediately. 

XXXX XXXX XXXX XX/XX/XXXX {$0.00} Charge Off Unverified and inconsistent data. Violates FCRA 607 ( b ). Must be deleted. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} Collection No proof of ownership or validation. Violates FDCPA 809 ( b ) and FCRA 611. Delete immediately. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Ref # : XXXX Bankruptcy Never filed such bankruptcy. Violates FCRA 607 ( b ) and 611. Remove this false public record.

These inaccuracies have caused damage to my creditworthiness and financial standing. I have attempted to resolve these matters directly with the credit bureaus and the furnisher, but their failure to comply with federal law leaves me no choice but to escalate this issue to the CFPB for enforcement action. I respectfully request a full investigation into these violations, deletion of the false address and account from my credit reports, and corrective measures to prevent future reporting errors.

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 2025-10-27 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: SC

Complaint narrative:
The account was settled in full, but late payment notations remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: AR

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a 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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I am writing in response to your communication regarding the alleged debt referenced above. This is a request for validation of the debt, as provided under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Please provide the following : XXXX. Verification that I owe the debt, including a copy of any signed agreement or judgment ; XXXX. The name and address of the original creditor ; XXXX. The amount of the alleged debt, including an itemization of interest, fees, or other charges ; XXXX. Documentation that you are authorized to collect this debt in my state. 

Until you provide the requested validation, please cease all collection activity, including reporting this debt to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, Subject : Dispute of Late Payment Report Dear [ Name of the appropriate department or person at the company ], I am writing to formally dispute an erroneous late payment reported on my credit report, which I believe is inaccurate and negatively impacting my credit score. Upon reviewing my Consumer Reports, I discovered some instances of late payments on an accou
nt for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account XXXX XXXX XXXX XXXX  ) ACCOUNT NUMBER ( XXXX ) I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I have the right to dispute any information in my credit report that I believe is inaccurate or incomplete. This law provides me with the right to request a thorough investigation of the reported late payment, and I kindly ask that you provide all documentation that supports this claim. 

If you are unable to verify the accuracy of this reported late payment or do not have adequate documentation, I request that you take immediate action to correct my credit report. Additionally, the FCRA requires that consumers are protected from inaccurate reporting, and I trust you will adhere to these regulations. 

Please respond in writing to confirm the receipt of this letter and provide me with an update on the actions taken regarding this dispute. I appreciate your prompt attention to this matter and look forward to your swift resolution. 

Thank you for your attention to this important issue. 

Sincerely, 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 2025-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Inaccurate and misleading duplicate delinquency reporting by Nelnet ( Account XXXX ) Dear CFPB, I am requesting your assistance in correcting what I believe is an inaccurate and misleading credit reporting practice by Nelnet. Earlier this year, Nelnet reported eight separate 90-day delinquencies to the credit bureaus for what was in reality XXXX consolidated monthly payment relationship. 

I have attached proof from Nelnets own system showing that all eight sub-loans ( XXXX XXXX XXXX XXXX  ) fall under a single servicing account number : XXXX. My Nelnet dashboard, payment history, and statements confirm that I make one unified payment of {$200.00} per month that is automatically allocated across these underlying loans. 

Reporting this single late payment as XXXXight distinct delinquencies misrepresents the nature of the account and multiplies the negative scoring impact eightfold. This is inconsistent with the accuracy requirements under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ), which obligate furnishers to ensure information is complete and not misleading. 

I respectfully request that the CFPB require Nelnet to : Re-investigate the reporting for Account XXXX. 

Reclassify the XXXX delinquency entries as XXXX consolidated late payment consistent with how payments are actually made and applied. 

Update the credit bureaus ( XXXX XXXX XXXX XXXX  accordingly. 

I am not disputing that XXXX payment was late only that it has been multiplied across eight tradelines in a way that overstates my credit risk. 

This issue materially affects my credit profile, loan eligibility, and XXXX score. Ive attached Nelnets account detail and payment history showing the consolidated structure of this account. 

Thank you for your attention to ensuring accurate reporting under the Fair Credit Reporting Act and for helping me obtain a fair correction. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX SSN Last XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX. I went to XXXX since I am in the process of moving to a different state. My transaction was declined, I called the fraud department and spoke a lady agent, she assured me that I will be able to use my account after 30 minutes as she has removed the blockon my account. A day later I couldn't login my app or the website. I called again, I was informed that I will receive a reason in the mail for this action from the bank. I didnt received any letters at all. I called again on XX/XX/XXXX, about this issue. I was told the bank will send me a letter. Its XX/XX/XXXX, I still have not received any letter. The same day I couldn't login, they canceled my debit card. I want to know the reason for all this since I believe this was a negligence on the fraud department again. Since this is not the first time they have inconvenience me. The first time, I have to go the bank to verify my ID and once I did that, I was told to call the department again in 24 hours. This left myself and the bank manager confused as to the reason since he confirmed my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: PA

Complaint narrative:
Due to a period of XX/XX/XXXXI was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

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 2025-10-27 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: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-10-27 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: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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