vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: MA

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
On XX/XX/year>, my Current checking account was placed under a temporary restriction because the bank needed to verify my identity. I sent all required documents via email to the address provided by Current Support the same day. These documents included a selfie holding my government-issued ID, a photo of my passport, a recent banking statement, and my IRS Form 1040 tax return.

Current initially informed me I would receive a response within XXXX hours. However, as of today, XX/XX/XXXX, I still do not have access to my account or funds. During this time, I have sent multiple follow-up emails requesting updates and resolution. 

The only reply I received was from a representative named XXXX, who acknowledged my inquiry and said the team was working on it but provided no clear timeline or further information. My account remains restricted with no indication of when the restriction will be lifted. 

This ongoing restriction has caused significant financial hardship because I rely on this account for daily expenses and bills. Despite promptly submitting all requested documents and following up multiple times, there has been no meaningful progress or resolution. I am requesting immediate assistance to have my account reviewed and unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Company failed to provide requested information XXXX XXXX XXXX XXXX XXXX XXXX A XXXX CA XXXX XX/XX/year> Dear LVNV RE : LVNV Account # XXXX {$1200.00} Debt Validation Pursuant to 12 CFR 1006.34C Be Advised this is a refusal to pay, and notice to and desist all collection activities sent pursuant to the Fair Debt Collection Practices Act 12 CFR 1006.6c.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Consumer Reporting Agencies ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. 

Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act. and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested pursuant 12 CFR 1006.34c in the following Declaration, I will require at least XXXX  calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Please provide the following : o Agreement with your client that grants you the authority to collect on this alleged debt. 
o Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

o Any insurance claims been made by any creditor regarding this account. 
o Any Judgments obtained by any creditor regarding this account. 

Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit-reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within XXXX calendar days of the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NJ

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the following inaccurate and unverifiable accounts that remain on my 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 explanation
Consumer complaint received 2025-07-07 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: MA

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX * * Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have formally requested proper and lawful validation of this alleged debt multiple times, including original signed contracts, complete chain of assignment, and detailed payment history. Instead, XXXX XXXX XXXX Funding has repeatedly sent me the exact same generic, inadequate documents that fail to meet federal legal standards under the Fair Debt Collection Practices Act ( 15 USC 1692g ). These documents contradict my official credit reports from multiple bureaus, which show the account as paid in full or XXXX balance. 

Despite my final demand letter dated XX/XX/year>, they continue to report this inaccurate, unverifiable debt to credit bureaus, causing me substantial harm. Furthermore, they have repeatedly misspelled my legal name on their correspondence, undermining the legitimacy and accuracy of their claims. 

This behavior constitutes clear violations of the FDCPA and FCRA, including failure to validate the debt properly, reporting inaccurate information, and harassing me with repeated collection attempts without lawful basis. 

I demand immediate cessation of all collection activity and complete removal of this alleged debt from all credit reports until and unless Resurgent Capital Services/LVNV Funding provides full and proper validation as required by law. 

Failure to comply will result in formal legal action and further complaints to the CFPB, FTC, and state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have old information on credit report such as names, addresses, and employment

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 2025-07-07 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: FL

Complaint narrative:
To : EXPERIAN Subject : Formal Dispute of Inaccurate Charge-Off Reporting Re : Account with XXXX  Account Number XXXX Account with XXXX Account Number XXXX  Account with XXXX Account Number XXXX Account with XXXX  Account Number XXXX  Account with XXXX Account Number XXXX Account with XXXX Account Number XXXX Account with XXXX Account Number XXXX Account with XXXX  Account Number XXXX Account with XXXX  Account Number XXXX Account with XXXX Account Number XXXX Account with XXXX Account Number XXXX Account with XXXX Account Number XXXX Account with XXXX- XXXX XXXX Account Number XXXX Dear EXPERIAN I am writing to formally dispute inaccurate and misleading information being reported on my credit file concerning the above-referenced account. The account in question is being reported as charged off every month, which is factually and legally incorrect. 

A charge-off is a one-time accounting event that marks the account as a loss for the creditor. However, this item is being re-reported monthly as if the charge-off is occurring repeatedly, which is inaccurate and results in continued damage to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( duty to reinvestigate ), I am requesting that you investigate this matter and have this account updated or removed accordingly. 

Please conduct a thorough investigation and provide me with a written confirmation of your findings. If the data furnisher can not verify the accuracy of this repeated charge-off status, it must be deleted from my credit file in accordance with federal law. 

Attached are copies of my identification and a copy of my credit report highlighting the inaccurate reporting for your reference. 

Thank you for your attention to this matter. Please respond within the required XXXX-day timeframe under the FCRA. 

Sincerely, 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 2025-07-07 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: CA

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within XXXX  days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On XX/XX/year> I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against LVNV Funding LLC. In which the CFPB marked the case Closed with non-monetary relief. Now, XXXX XXXX XXXX, a third-party debt collector, is trying to collect that same ( invalid/fraudulent ) debt possibly even after LVNV passed it to them in the amount of XXXX. This is unfair under the Fair Debt Collection Practices Act ( FDCPA ) and It is illegal to attempt to collect a debt after the consumer has disputed it and it has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Newrez llc does not apply payments in a timely fashion and then charges late fees to customers. For the XXXX time in the last year or XXXX i have made payment before the XXXX of the month for mortgage payment due on XXXX of the month and been charged a late fee. Contesting them takes multiple calls and much time to resolve. 

For the payment due XX/XX/year>, I arranged for payment on XX/XX/XXXX from my XXXX  checking account via echecking. I confirmed the payment address matches that on my statement. Newrez did not credit payment until XX/XX/XXXX and assessed a late fee of {$100.00}. I have a screenshot showing payment arranged for XX/XX/XXXX. 

Note I have another mortgage with XXXX. I pay it exactly the same way and arrange for payment the same day as the payment to NewRez ( same due date and date of late fee assessment also applies ). I have never had a problem with XXXX applying payment slowly and assessing a late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: PA

Complaint narrative:
They keep trying to make me go on a payment plan for a account thats not mine they keep calling my phone from different numbers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/year>, I booked a vacation package with XXXX over the phone. I was clearly told by their representative that I could cancel the entire package ( hotel and flight ) within XXXX hours without penalty. Due to an urgent immigration concern, I attempted to canceled the package on XX/XX/year>, approximately XXXX hours later. 

Sensing from the Priceline representative that there might be an issue with honoring the cancellation, I immediately called Barclaysthe issuer of my credit cardto warn them that the upcoming charge from Priceline was unauthorized. At that time, the charge had not yet posted to my account. I specifically requested that the transaction be flagged and that my account be closed to prevent further unauthorized activity. 

Despite this proactive and timely effort, Barclays allowed the charge to post. I later filed a formal dispute, but they only temporarily and partially refunded the amount. I have since received conflicting responses from Priceline about the hotel portion being non-refundablecontrary to the terms I was promised. 

I previously filed a complaint with the CFPB, but it was closed with a conclusion that I had not provided enough proof. I am now re-filing this complaint because : I was never given a chance to explain that the cancellation was made by phone, so I never received a written confirmation. 

I acted in good faith to cancel and dispute the charge before it was posted. 

I closed my account specifically to protect myself, and yet the charge was still processed. 

Barclays failed to protect me as a consumer. I am asking CFPB to reopen or reconsider this case, and to hold Barclays accountable for not blocking an unauthorized transaction, despite timely notice. I also request a full and permanent refund of the charge and confirmation that my rights under the Fair Credit Billing Act were honored.

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 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I recently received an alert that a derogatory account has been reflected on my credit. The co is XXXX XXXX XXXX for the amount of {$180.00}. I do not recognize this and it was mentioned this was for an old utility. I have been in my current address for a long time and do not remember owing my current utility and so I reorted this as an identity theft and again this is not my account and I would like XXXX XXXX XXXX to remove this from all credit agencies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
This Notice serves as a formal dispute to Equifax, Experian, and TransUnion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically under : - 15 U.S.C. 1681b Permissible purposes of consumer reports- 15 U.S.C. 1692g Validation of debts- 15 U.S.C . 1681s-2 Responsibilities of furnishers of information- 15 U.S.C. 1681c-2 Blocking of information resulting from identity theftI am writing to dispute and formally challenge the inaccurate and unlawful late payment ( XXXX ) reported on my XXXX XXXX XXXX XXXX XXXX ) account currently listed in your consumer report profile. These alleged delinquencies are false, incomplete, and not verified in accordance with the procedures and timelines set forth under federal law. I have previously submitted notice to the data furnisher ( XXXX ) demanding chain of title, validation, and full accounting, and have received no lawful response with the original contract bearing my wet-ink signature. These reporting errors constitute the furnishing of inaccurate and incomplete information in direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and a failure to investigate under 1681i. Furthermore, I have submitted a complaint to the Federal Trade Commission ( FTC ) concerning these violations. You are hereby placed on notice that any continued publication or reporting of this inaccurate information, despite knowledge of its falsity, is a willful and negligent breach of federal law and exposes you to civil liability. Pursuant to 15 U.S.C. 1681c-2, I DEMAND that all inaccurate and unlawful late payment ( s ) reported on my XXXX  account be BLOCKED and DELETED IMMEDIATELY upon receipt of this notice. This demand includes : - Full deletion of the late payment ( XXXX ) from my credit XXXXile- Written confirmation of the deletion- An updated copy of my credit report with all corrections made failure to correct and delete these entries may result in further legal action and pursuit of damages under 15 U.S.C. 1681n and 1681o. You are hereby instructed to cease all processing, redisclosure, and distribution of these false records. Sincerely, XXXX XXXX XXXX, Executor & Beneficiary of the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation