vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: Westlake Services, LLC
State: TX

Complaint narrative:
Help my rights are being violated, XXXX U.S.C. XXXX ( b ) of the FDCPA requires debt XXXX to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-12-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma, LLC
State: OH

Complaint narrative:
My credit karma / XXXX account was hacked. Someone got in, change the email address and information, then tried to obtain credit in my name. Rather then assist me in deleting my account, they demand I use XXXX to verify my identity by sharing photos of myself, my drivers license and utility bill. 

I asked several time to simply delete my information & revoked my consent to their terms but they refused to acknowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-02 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and incomplete information being reported on my credit report. I request that the items listed below be investigated and corrected. The accounts in question are outlined per each bureau, with clear indications of the discrepancies. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} KIKOFF LEND Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} UNAUTHORIZED COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} LATE PAYMENTS XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Subject : Improper Reporting and Verification of Bankruptcy FCRA Violations I am filing this complaint because the credit reporting agencies continue to report a bankruptcy on my credit file without providing legally required verification, despite multiple disputes. I have disputed this bankruptcy several times with the credit bureaus, and each time it is marked as verified without any documentation showing how it was verified or which source supposedly confirmed it. XXXX was the only source in which deleted this unverifiable information. 

Under the Fair Credit Reporting Act ( FCRA ), once an account is disputed, the credit bureaus must conduct a reasonable investigation and provide the method of verification when requested. I have requested the method of verification and have not received any proof, documentation, or communication showing : The name of the person who verified the bankruptcy The method used to verify the information The documents relied upon to confirm the accuracy Bankruptcies are public records, but the courts have confirmed they do NOT verify consumer information for the credit bureaus. The courthouse clerk does not verify consumer disputes, and the credit bureaus continue to claim verified, which is false, misleading, and in violation of FCRA 607 ( b ), 611 ( a ), and 611 ( a ) ( 7 ). 

Because the credit bureaus can not provide documentation from the actual furnishing sourceand the courts do not furnish or verify this informationthe continued reporting of this bankruptcy is inaccurate and unlawful. 

I am requesting the following resolution : Immediate deletion of the bankruptcy from my credit report with Transunion and Experian, as they have failed to properly verify it. 

An investigation into the bureaus repeated verified responses without providing documentation. 

A written explanation of how the item was allegedly verified when no verification source exists. 

The repeated failure to conduct a reasonable investigation and provide the required verification violates my rights under the FCRA. I am requesting enforcement action and removal of this inaccurate and unverified information. 



FCRA Violations : 607 ( b ) Failure to maintain maximum accuracy 611 ( a ) Failure to conduct a reasonable reinvestigation 611 ( a ) ( 7 ) Failure to provide the method of verification upon request 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable information Additional Supporting Points : Courts do not furnish bankruptcy data to credit bureaus Courts do not verify consumer disputes Bureaus rely on third-party sources ( XXXX / PACER scraping ), which are not original furnishers Verified without documentation = unreasonable investigation

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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I wire transferred to JP Morgan Chase Bank, for XXXX XXXX platform, on XX/XX/year>, {$30000.00} for investment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation XXXXnformation Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I was sent a letter from Citi AAdvantage ( application ID XXXX ) twice after completing application and multiple phone calls to get clarity on denial. 
Current FICO credit score is an XXXX and no indication of any credit issues on Equifax credit Report after being told to review by Citibank. 

XX/XX/year> " Credit priviledge on existing account ( XXXX ) are currently restricted. '' However, I don't have an account. 

Next letter XX/XX/year> " We don't disclose our specific credit approval requirements because doing so would compromise the credit evaluation process. '' I have been given/sent multiple correspondence from AAdvantage soliciting me to apply since they are switching from XXXX to Citibank.

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 2025-12-02 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-12-02 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: NC

Complaint narrative:
I am writing to dispute inaccurate information on my Experian credit report. After reviewing the entries, I noticed discrepancies and suspect that there may be violations of the Fair Credit Reporting Act ( FCRA ). Additionally, I am concerned about the possibility of a data breach, which XXXX have contributed to these issues. 
FCRA Violations The following accounts are disputed : XXXX. XXXX XXXX XXXX - XXXX XXXX BANK XXXX. 
Account XXXX : [ XXX-XXXX-XXXX ] Discrepancy : This account is listed as a collection account, but I have documentation showing it was paid off. The reported status is incorrect. 
XXXX. XXXX Account XXXX : [ XXX-XXXX-XXXX ] Discrepancy : This account is marked as closed with an outstanding balance, which is inaccurate. 
XXXX. CIVIC XXXX A DIVISION OF Account Number : [ XXXX ] Discrepancy : Account is reported as delinquent despite being in good standing and payments made as agreed. 
( Continue with additional accounts ) Previous Addresses I also dispute the previous addresses listed on my credit report as they XXXX be incorrectly linked to my accounts : XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses XXXX have been misreported or linked to my credit history incorrectly

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 2025-12-02 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: AL

Complaint narrative:
I am a consumer submitting this complaint regarding inaccurate and/or unverifiable information being reported on my credit reports with the three major credit bureaus. I am requesting a reinvestigation and removal or correction of the items listed below that I believe are being reported in error or do not comply with the Fair Credit Reporting Act ( FCRA ). 


Charged-Off Accounts XXXX Account # XXXX Reported XX/XX/year> Balance {$0.00} This account shows a {$0.00} balance but is still marked as charged off. Please verify and update if inaccurate. 

XXXX Account # XXXX Reported XX/XX/year> Balance {$1300.00} Please verify this charge-off with the creditor and remove if unverifiable. 

Late Payments XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX Requesting reinvestigation into the accuracy of late payments reported.

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 2025-12-02 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: TX

Complaint narrative:
I am submitting this complaint because the information being reported by the credit bureaus is inaccurate, incomplete, and causing harm to my credit profile. I am requesting a full investigation and correction/removal of all information that can not be verified according to the FCRA. 
Charged-Off / Negative Accounts Dispute The following entries include inaccurate balances, incorrect dates, or appear outdated, duplicated, or unverifiable : XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$630.00} These accounts contain discrepancies and require full reinvestigation. Remove any account that can not be validated. 

2. Hard Inquiries Dispute I did not authorize these inquiries, and some appear to be excessive dealership or lender pulls. 

XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These should be removed if the furnisher can not provide proper authorization. 

3. Late Payments Dispute These tradelines contain incorrect or unverified late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please validate or remove.

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 2025-12-02 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
My servicer, M & T Bank, issued an incorrect and unaffordable VA loan modification.

Even though my total household income is {$7100.00} per month for a family of XXXX, M & T Bank increased my monthly mortgage payment by nearly {$1000.00}.

I was given a 40-year term at 6.75 % interest, which should have reduced my payment, but instead the payment increased significantly. This indicates an error in escrow, arrears capitalization, amortization, or application of VAs loss-mitigation waterfall.

The payment is not affordable and exceeds 65 % of my income. This violates VA servicing guidelines requiring sustainable home-retention options.

I signed the modification under pressure after being told I had no choice.

I am requesting that CFPB : Require M & T Bank to correct the modification Require a full recalculation based on VA affordability standards Require a written explanation of how the payment was determined Pause all collection and foreclosure activity during the investigation

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