vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
i AM A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMATION ON MY CREDIT REPORT CORRECTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of a credit account from Kikoff that appears on my credit report. The account was opened in error, and I took immediate action to close it. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am requesting that you investigate this account and remove it if found to be inaccurate or unverifiable. 

The account in question was neither intentionally opened nor used for credit purposes, and it does not reflect an accurate or complete representation of my credit activity. It was never used and closed working minutes of opening after asked for payment and not a loan for credit building. False advertisement and confusing disclosures. 

I am requesting that this account be removed or corrected to show no negative impact, as its presence may inaccurately influence my creditworthiness. Please conduct a timely investigation and inform me of the outcome within the 30-day period allowed under federal law. 
I have attached supporting documentation for your review. 

Thank you for your assistance in resolving this matter.

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 2025-06-22 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: FL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB lawsuit alleges that Experian has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate corrective action and deletion of accounts referenced

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 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I filed a compliant with the CFPB on XX/XX/year> against LVNV Funding for a debt they are reporting to my personal credit. In return, they responded to the CFPB with copies of XXXX credit card statements from the original creditor. Credit Card statements are of no use to to further investigate who opened the account in my name. Credit card statements show my name and address which obviously since I never opened an account with XXXX XXXX XXXX  and I receive so many credit card offers by mail, I never opened those statements because I thought they were junk mail ( credit card offers ). I am now filing a second complaint against LVNV Funding and I have included an identity theft report. The ID theft report is an official report submitted through the FTC website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
I am filing this complaint because a creditor ( Account # : XXXX ) inaccurately reported a late payment for XX/XX/XXXX. The creditor acknowledged in writing on XX/XX/XXXX, that my payment was received on XX/XX/XXXX. A payment received on that date does not exceed the XXXX delinquency threshold and therefore should not have been reported as a late payment under the Fair Credit Reporting Act ( FCRA ). 

Despite acknowledging this, the creditor refused to reclassify the payment as Paid as Agreed, claiming that a credit correction is not necessary. This response fails to meet the standards of accuracy and verification as required under 15 U.S.C. 1681e ( b ), 1681s-2 ( b ), and 1681i. I was not issued any adverse action notice as required by 1681m.

This inaccurate reporting has negatively impacted my creditworthiness. The furnisher has failed to correct the record after being given proper notice of dispute, violating the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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:
I am filing this complaint because a creditor ( Account # : XXXX ) inaccurately reported a late payment for XX/XX/XXXX. The creditor acknowledged in writing on XX/XX/XXXX, that my payment was received on XX/XX/XXXX. A payment received on that date does not exceed the XXXX delinquency threshold and therefore should not have been reported as a late payment under the Fair Credit Reporting Act ( FCRA ).

Despite acknowledging this, the creditor refused to reclassify the payment as Paid as Agreed, claiming that a credit correction is not necessary. This response fails to meet the standards of accuracy and verification as required under 15 U.S.C. 1681e ( b ), 1681s-2 ( b ), and 1681i. I was not issued any adverse action notice as required by 1681m.

This inaccurate reporting has negatively impacted my creditworthiness. The furnisher has failed to correct the record after being given proper notice of dispute, violating 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 2025-06-22 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: FL

Complaint narrative:
I am filing this complaint because a creditor ( Account # : XXXX ) inaccurately reported a late payment for XX/XX/XXXX. The creditor acknowledged in writing on XX/XX/XXXX, that my payment was received on XX/XX/XXXX. A payment received on that date does not exceed the 30-day delinquency threshold and therefore should not have been reported as a late payment under the Fair Credit Reporting Act ( FCRA ).

Despite acknowledging this, the creditor refused to reclassify the payment as Paid as Agreed, claiming that a credit correction is not necessary. This response fails to meet the standards of accuracy and verification as required under 15 U.S.C. 1681e ( b ), 1681s-2 ( b ), and 1681i. I was not issued any adverse action notice as required by 1681m.

This inaccurate reporting has negatively impacted my creditworthiness. The furnisher has failed to correct the record after being given proper notice of dispute, violating 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 non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
I deposited my XXXX XXXX  from my tax return on XX/XX/year>2025. The bank said the funds will be available after five business days. More than a month later my funds still havent been released and the bank wont give my check back. The bank states they are waiting on correspondence from the IRS to verify the check. Now I have received an eviction notice from my landlord because of the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, I began working with XXXX XXXX as a driver. I was informed that payroll deposits could be made to a new debit/fuel card provided by the company through Comdata. However, I requested that a portion of my earnings be directly deposited into my personal bank account, which should have been on file, with the remaining balance going to the Comdata card. 

After transferring funds from the Comdata card to my bank, I was notified by my bank that I had not been receiving any of my deposits for several weeks. Upon reaching out to XXXX XXXX, I was told there had been a mistake with adding my bank routing number to the payroll system. I was advised to contact Comdata for reimbursement. Despite following up on this issue, I was fired weeks later, and during this time, all of my savings were taken from me.

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 2025-06-22 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: MD

Complaint narrative:
I reached out to collections company about this matter. They seem to not care about this matter. The amount of money owed XXXX. My identify was stolen in a couple of data breach and I'm working on getting everything resolved. The company is now threating to sue me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute an auto loan account that appears under my name and credit report. The loan in question, Account # XXXX, By ( XXXX XXXX  ) was not authorized by me, and I have reason to believe it was obtained through fraudulent means. 

To be clear, I did not apply for or authorize this loan and have never purchased or taken possession of the vehicle associated with it. I request an immediate investigation into this matter and the removal of this fraudulent account from my records. 

Please find the following supporting documentation enclosed with this letter : A copy of my government-issued ID A copy of a recent utility bill or bank statement showing my current address A signed FTC Identity Theft Affidavit ( if applicable ) A copy of the police report I filed regarding this fraud ( if applicable ) A copy of my credit report showing the fraudulent account Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the following actions be taken : 1. Close and remove the fraudulent auto loan account from your records 2. Cease all collection efforts related to this account 3. Notify the credit bureaus to delete the account from my credit file 4. Provide written confirmation of the results of your investigation Please respond in writing within 30 days of the receipt of this letter as required by law. If you require additional documentation or information, I am happy to cooperate. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: NV

Complaint narrative:
Upon a recent review of my Experian credit report I found a fraudulent collection account. This account is the XXXX fraudulent collection account with the original creditor XXXX XXXX or XXXX XXXX or XXXX XXXX which are are closely related companies. The first time was about a year ago but a different collection company XXXX XXXX XXXX. At that time I sent a written dispute to Experian requesting an investigation and validation of the debt and to remove it. I have never received a response from them. I also contacted the collection company to dispute and request a validation of the debt and was told they will investigate but it will probably not be complete and was advised that I dispute it with Experian. In the course of that call they told me the address of the person on file that owes the debt XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX which is a fraudulent address that I have never used. Experian was mailed a notarized dispute letter regarding both of these issues and I received a return receipt from them. They have never responded.

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 2025-06-22 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I signed up for XXXX XXXX membership in XXXX and cancelled 3 days later. XXXX  years later, XXXX XXXX says that I still owe them {$60.00} for defaulting on the contract and enlists Aldous & Associates to collect the debt from me. I reach out to XXXX XXXX and Aldous & Associates and they have not replied to me since. 

Because I cancelled within 3 days, based on XXXX XXXX 's cancellation policy under their Immediate Cancellation Rights, I do not have any penalties or any further obligation. Therefore, the buyout fee violates their cancellation policy as detailed below : " IMMEDIATE CANCELLATION RIGHTS : CONSUMERS RIGHT TO CANCELLATION. YOU MAY CANCEL YOUR XXXX  CONTRACT WITHOUT ANY PENALTY OR FURTHER OBLIGATION WITHIN THREE ( 3 ) DAYS FROM THE AGREEMENT START DATE DEPENDING ON STATE LAW. 

When you cancel under your Consumer Right to Cancellation, all monies paid by you will be refunded. '' Furthermore, the XXXX XXXX representative confirmed in XXXX that " we have granted an immediate cancellation of your membership, and cancellation fees have been waived ''. 

Timeline of events : XX/XX/XXXX - Signed up for XXXX XXXX membership XX/XX/XXXX - Submitted request to cancel XXXX XXXX membership ( within 3 days of sign up ) XX/XX/XXXX - XXXX XXXX confirmed cancellation of membership and waive of any cancellation fees XX/XX/XXXX - Received debt collection letter from Aldous & Associates regarding a {$60.00} debt claiming that it was the result of defaulting contract with XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Submitted Improper Buyout Fee Charge to XXXX XXXX to remove the fee and debt collection XX/XX/XXXX - Submitted Formal Debt Dispute to Aldous & Associates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I accept a credit card offer and received a credit card from Concora Credit company located in XXXX, NC etc. The credit card available credit was {$700.00}. An offer included an option to add a credit card projection insurance in case of loss of income by means of job layoff etc. I check the yes block for the credit protection add on insurance. 
In the interim of using the card to purchase required items, I lost my job. I immedicably reported my unexpected job lost to the Concora Credit requesting the insurance be applied to pay off the balance.

Experiencing financial difficulty trying to find work. Concora Credit failed to informed me their decision to not use the insurance coverage for payment, instead sent a letter stating they have charge off my account sent to Resurgent collection agency. It became significantly problematic and confusing that I not only received a collection letter form XXXX, also XXXX XXXX XXXX and XXXX, nc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
I sent detail letters explaining and asking for removal.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Loan Account XXXX : XXXX - XXXX XXXX. Inaccurate Credit Reporting : From XX/XX/XXXX to XX/XX/XXXX, Navient reported late payments to the credit bureaus during periods when my loans were supposed to have been in approved deferment and/or forbearance. These reports have negatively impacted my credit score and financial standing, despite my compliance with all required documentation and timelines. 

2. Improper Denial of School Closure Discharge : I applied for a discharge of my student loans after my school closed due to financial aid fraud. Despite clear eligibility under federal guidelines, Navient denied my request without adequate explanation. It has since come to light that Navient had a pattern of arbitrarily denying such applications, as highlighted in the recent class action lawsuit XXXX v. Navient, filed in XX/XX/XXXX. 

3. Conflict of Interest and Bad Faith Practices : Navients denial of my discharge request appears to have been motivated by financial self-interest, as discharging the loans would not have been in their favor. This aligns with allegations in the lawsuit that Navient created a sham School Misconduct Discharge Application process, only to issue blanket denials without transparency or recourse. 

4. Federal Contract Revocation and Loan Discharge : Following the Department of Educations revocation of Navients federal loan servicing contract, my loans were consolidated and ultimately discharged by the Department. This action validates that my discharge request was legitimate and should have been honored from the outset. 

5. Violation of Consumer Protection Laws : Navients actions constitute deceptive and unfair practices under federal and state consumer protection laws. The CFPBs recent {$120.00} XXXX settlement with Navient further underscores the companys long-standing pattern of misconduct. 

Additionally, I have already contacted Navient to resolve this issue, but they merely stated they were required by law to report accurate information to the credit bureaus, without providing any of the requested proof of accuracy. I also filed disputes with all three credit bureaus, who responded that the reporting complied with FCRA, again without providing any of the requested proof. 

I respectfully request that your office investigate this matter and take appropriate enforcement action and continue to hold Navient accountable.

Company response to consumer: Closed with explanation