vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-25 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Ive called the 1-800 numbers numerous times and I wait hours to speak with an agent, only for the phone call to be disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Request for Full Consumer File Disclosure Pursuant to 15 U.S.C. 1681g To Whom It May Concern : This is a formal request for disclosure of all information in my consumer file pursuant to 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ).

Please provide me with : 1.All information in my consumer file at the time of this request.

2.The sources of the information.

3.A list of all persons ( including companies or entities ) who obtained a consumer report about me within the last two years for employment purposes, or within the last one year for any other purpose.

4.The identification of each consumer reporting agency that has furnished a report about me.

5.A clear and accurate explanation of the codes, trade lines, and all information contained in the file. 6.Any record of inquiries, soft or hard. 7.The dates, original creditors, and amounts related to any negative items reported. 8.All information relating to any consumer disputes I may have filed. I request that you mail this disclosure to the address listed above. Please also provide me with any relevant instructions for reviewing or disputing items in my file. This request is being made under my rights pursuant to the FCRA, specifically 15
U.S.C. 1681g, and I expect compliance within the legally required timeframe.

Thank you for your prompt attention to this matter. 

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Request for Full Consumer File Disclosure Pursuant to 15 U.S.C. 1681g To Whom It May Concern : This is a formal request for disclosure of all information in my consumer file pursuant to 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ).

Please provide me with : 1.All information in my consumer file at the time of this request.

2.The sources of the information.

3.A list of all persons ( including companies or entities ) who obtained a consumer report about me within the last two years for employment purposes, or within the last one year for any other purpose.

4.The identification of each consumer reporting agency that has furnished a report about me.

5.A clear and accurate explanation of the codes, trade lines, and all information contained in the file. 6.Any record of inquiries, soft or hard. 7.The dates, original creditors, and amounts related to any negative items reported. 8.All information relating to any consumer disputes I may have filed. I request that you mail this disclosure to the address listed above. Please also provide me with any relevant instructions for reviewing or disputing items in my file. This request is being made under my rights pursuant to the FCRA, specifically 15
U.S.C. 1681g, and I expect compliance within the legally required timeframe.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom it May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE OF {$6900.00} XXXX XXXX XXXX, XXXX, This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and are required to remove any information that is not true, accurate, and verifiable.

Please remove this inaccurate account information IMMEDIATELY from my credit report and send in the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as this account removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I attempted to resolve this by Telling the this isnt my debt Subject : Debt Dispute Account # XXXX Below are the primary details regarding this debt : Original Creditor : XXXX XXXX Placed for Collections on : XX/XX/2025 Original Principal Amount : {$22000.00} Current Principal Amount : {$22000.00} Interest Due : {$330.00} Total Amount Due : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX XX/XX/year> XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX, XXXX Washington, XXXX XXXX Subject : Cease and Desist Communication Account Number : XXXX. Dear RESURGENT CAPITAL SERVICES or To Whom It May Concern ], Please update your records. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC1681i. As per the FCRA, you are not reporting accurate information. These inaccuracies are damaging to my creditworthiness and are causing me significant inconvenience. Under 15 USC 1692g, validation of debts. Number one, I want you to send me a full detailed list of the payment history of this Account. Number two, I want to see the Original Signature that I agreed to on the Contract for this creditor. Number three, has there been any insurance claim found on this debt. Number four, I want to see the chain of title that you have to collect on this debt. Everything reported here does not meet the FCRA. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This account is entered as a collection account on XXXX of the major credit reporting agencies in spite of them not handling the account any further. What has transpired now is that XXXX account is now being reported by XXXX different collection agencies and neither are wanting to remove the item, they still list it as an open account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX : {$540.00} 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 2025-08-25 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX my Wisely ADP card was hacked from what I found by doing some research was from me clicking on an ad on XXXX by accident. I'm not sure how the hackers got my card details but apparently it's a well known scam that banks were warned about years ago. I contacted Wisely  ADP and asked them to dispute the XXXX separate charges of {$22.00} ( {$1.00}, {$10.00}, {$10.00}, {$1.00} ) from CA when I live in SC. They started the case and told me they were going to send a form for me to fill out and return as well as a new pay card. They said that after I returned the form that the charges would be disputed and I'd get my money back by XX/XX/XXXX. They never sent the forms and the new card was delivered to another address by XXXX on XX/XX/XXXX. I called Wisely ADP again XX/XX/XXXX and explained that my new card was delivered to someone else. They deactivated that card and wanted to charge me {$6.00} for ANOTHER card when none of this was my fault to begin with and I said so. The agent saw reason and waived the fee and expedited the new card which is supposedly being delivered tomorrow. I checked my dispute case earlier this evening to see if there had been any updates and saw that my claim had been denied even though it's only XX/XX/XXXX and I never received any paperwork from them to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: MOHELA
State: MD

Complaint narrative:
I made a payment on XX/XX/XXXX of {$420.00}. However, this amount was previously covered by a prior {$5000.00} payment made by my employer on XX/XX/XXXX that was applied to paid-ahead status. I called Mohela and requested a refund, which was approved and sent to the Department of Treasury. I was told that this process could take up to 180 business days. After 180 business days, I called Mohela and they indicated that the reimbursement was still processing and asked if I would like to have this escalated. I indicated that I would like the refund escalated. Since this, I have called Mohela four additional times, waiting 4-6 hours on hold to speak to a representative each time, and still there is no solution or timeline for my refund. Recently ( XX/XX/XXXX ), I had a payment of {$5000.00} from my employer sent to Mohela, and again Mohela made a mistake and did not apply this payment as paid-ahead status, so I again am making a payment of {$580.00} on XX/XX/XXXX so that I do not miss my due date and will again have to request a refund once the processing for paid-ahead status goes through for this last employer payment. How do I get help getting Mohela to grant both the request for paid-ahead status and for refunds? The refund is way over their processing time, and I don't know what to do anymore.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-25 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: NY

Complaint narrative:
I have attempted on several occasions to dispute fraudulent information on my credit report with all three credit bureaus. I have not been provided with any information after sending this creditor a letter more than 30 days ago to provide Validation of the debt, A signed Invoice, and A copy of the contract binding both parties, in a letter by certified mail, so that there is an independent witness to it having been delivered. Experian, Equifax, and XXXX  continuously fail to investigate/reinvestigate this information. There are laws in place, such as 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] that are not being upheld, and I have received NOTHING verifying that this debt belongs to me. I have also never lived at the Address that this debt is tied to, and I have requested that the address be removed from my report as well. Please remove this debt from my credit report immediately! 

Account numberXXXX XXXXXXXX XXXX XXXX $ XXXX {$45000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Muskegon Car Credit, Inc.
State: MI

Complaint narrative:
What happened : I leased a vehicle through XXXX XXXX on XX/XX/XXXX. I was laid off of work on XX/XX/XXXX XXXX XXXX. I have spent a few weeks putting in job applications. Up to date, I have put in XXXX job applications and have XXXX job starting in XXXX. I made a good faith payment of {$100.00} on XX/XX/year>. Since then, it has been financially difficult to earn money. I called on XX/XX/XXXX to explore my financial hardship options. On the phone, I explained that I had only been able to make a partial payment ( {$100.00} ) and that due to being out of work and knowing I would not be able to make a payment, I was considering voluntarily surrendering the car in good faith. 

The representative discouraged me from surrendering, saying I wouldnt recommend that. Your credit will take a hit. I then asked about an extension and was told, We cant offer an extension because its only your second payment. When I asked what else I could do, the representative told me my only options were : Pay the balance, or They would have the car disabled.

They also suggested I borrow money from someone, which is not a lawful or reasonable option. 

Why this is unfair : I acted in good faith by calling to discuss surrendering, but was discouraged from doing so. 
I was denied an extension or any reasonable alternative. 
I was effectively backed into a corner where staying in default was the only outcome. 
I requested email-only communication going forward, because now Id like everything in writing going forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services
State: CT

Complaint narrative:
As a veteran with service-related hardship, I respectfully request a goodwill adjustment removing past lates from my closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
This company is falsely reporting inaccuracies to the credit bureaus and keeps coming after me for money I do not owe them. Im urging for this company to please remove this inaccurate account that does not belong to me from my report

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 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lendmark Financial Services
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV, XXXX Account Opened XXXX XXXX Account Charged Off XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX Credit Report Dispute Landmark Financial Services Collection Account To Whom It May Concern, I am writing to formally dispute a collection account that is being reported on my credit file from Landmark Financial Services. The details are as follows : Creditor/Collection Agency : Landmark Financial Services Account Number : XXXX This account is being reported in error. I have no contractual relationship with Landmark Financial Services regarding this alleged debt, nor have I received any valid documentation proving that I owe this balance. This negative information is false, inaccurate, and damaging to my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into this matter. Unless Landmark Financial Services can provide verifiable evidence that this debt is valid, this item must be deleted from my credit report. 

Please provide me with written confirmation of the results of your investigation, along with an updated copy of my credit report. 

Enclosed are copies of [ drivers license, utility bill, or other identification ] to verify my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation