vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.gXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Sent via Certified Mail Return Receipt Request RE : Formal Debt Dispute and Cease & Desist Notification To Whom It May Concern : This letter serves as a formal dispute and cease and desist request pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

I am writing to notify you that I dispute the validity of any and all accounts your company claims I owe. I do not acknowledge any liability or responsibility for any such accounts. Additionally, you have failed to provide a proper validation notice as required under 15 U.S.C. 1692g ( a ) within five ( 5 ) days of initial communication. Therefore, any attempt to collect is unlawful. 
If your company is furnishing information about this alleged debt to any credit reporting agency, ( Which you have ) this may be a violation of 15 U.S.C. 1681s-2 ( a ) unless the debt has been verified and validated ( Which it has not ) If you can not validate the debt, you are required to immediately remove any tradelines from all consumer reporting agencies. ( XXXXXXXX XXXX XXXX XXXX XXXX You are hereby ordered to cease all communication with me, except by written mail to the address you have on file. Failure to comply, or continued attempts to collect a disputed and unverified & unvalidated debt, will result in formal complaints to the CFPB, FTC, and legal action under 15 U.S.C. 1692k and 15 U.S.C. 1681n.

This is your notice. Govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Kovo
State: FL

Complaint narrative:
The company is to report to all of the credit bureaus they have been taking money out every month nothing is on the bureaus all XXXX of them have nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX SELF-REPORTED ( Original Creditor : XXXX XXXX XXXX Balance : {$190.00} INSURANCE SELF-REPORTED ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-07-17 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:
This is to inform you that there are unauthorized hard inquiries listed on my credit report. I did not give consent to any lender or institution to pull my credit.

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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am writing to report inaccurate information regarding my account with Portfolio Recovery Services. I settled my debt of {$1400.00} in full, however they inaccurately reported an amount of {$1000.00} on my credit report after I had settled the account in full. The balance shown in the screenshots indicates that it was decreased to {$360.00}. However, since I settled the account in full, the correct balance should be {$0.00}. The discrepancy suggests that there is still inaccurate reporting on my credit report. This is misleading information, as my actual balance should reflect that I owe {$0.00}. I have full proof of payment, including receipts and check confirmations, which I can provide upon request. I kindly request that you investigate this matter and remove the inaccurate information from my credit report, as it is adversely affecting my credit score. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter. 
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 XXXXXX/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 2025-07-17 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: NJ

Complaint narrative:
i recently reviewed a copy of my credit report, and i noticed there are fraudulent accounts on my report. they affect my ability to obtain credit. please remove all fraudulent accounts from my report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
i recently reviewed a copy of my credit report, and i noticed there are fraudulent accounts on my report. they affect my ability to obtain credit. please remove all fraudulent accounts from my report immediately

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 2025-07-17 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: CA

Complaint narrative:
I don't know about the date I know is I seen this on my credit report and they are saying it's me I have tried for years to get this removed this company is involved in a class action suit I tried to join for false information but I don't have enough information to join the class action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Requested escrow analyses multiple times. They can not create an accurate analyses and refuse to provide contact info to the department. How can I resolve the problems with out talking to them?

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 2025-07-17 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 filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report.

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 
The XXXX XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-17 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: NJ

Complaint narrative:
I am a victim of identity theft. XXXX fraudulent accountsXXXX  and XXXX  XXXXare still showing on my Experian credit report. I have never opened or authorized these accounts and did not benefit from them in any way. 

I submitted a current FTC Identity Theft Report, a notarized affidavit, government-issued ID, and proof of address. Despite these documents and my request under FCRA 605B to block the accounts, Experian has failed to remove them. I also requested the method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), and no documentation was provided. These accounts are causing ongoing credit harm and stress.

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this formal complaint against Equifax and its data furnisher XXXX XXXX XXXX XXXX for the continued reporting of inaccurate, unverifiable, and misleading information on my credit report. This collection account appears despite multiple disputes and no validation, which constitutes violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX XXXX Account Details Original Creditor : XXXX Balance : {$360.00} Date Opened : XXXX XXXX, XXXX Date Reported : XXXX. XXXX, XXXX Status : Open Type : Derogatory Remarks : Placed for collection Legal Violations Identified : Failure to Validate Debt ( FDCPA 809 & 15 U.S.C. 1692g ) : I sent a direct request for debt validation, including the original contract bearing my signature and a complete breakdown of the amount owed. Neither XXXX XXXX XXXX nor the credit bureau responded with legally sufficient documentation. 
Improper Dispute Handling ( FCRA 611 ) : Despite my disputes submitted through both online portals and written letters, the bureau continues to mark this account as 'verified ' without evidence or any traceable reinvestigation procedure. This failure shows a reckless disregard for my rights under the FCRA.

Re-Aging of Debt ( FCRA 605 ( c ) ) : The 'Date Reported ' is more recent than the original delinquency date. This creates the appearance of a newer debt and unlawfully extends the 7-year reporting period. This manipulation of date fields is strictly prohibited and harmful to consumer credit profiles.

No Permissible Purpose ( FCRA 604 ) : Furnishers must have a documented, lawful reason to report debt information. Without proper validation or evidence of debt ownership, continuing to supply data to the credit bureaus fails the requirement for permissible purpose.

Continued Communication Without Validation ( FDCPA 1692c ) : XXXX XXXX XXXX has reported and updated this account after my dispute, without first providing any validation. This constitutes continued communication without substantiating their legal right to collect or report. 

As a consumer, I have the right under 15 U.S.C. 1681 to dispute inaccurate and unverifiable information. XXXX XXXX XXXX and Equifax have failed to uphold this right by continuing to report unverifiable data. I respectfully request the CFPB to investigate and ensure this account is deleted from my credit file. Appropriate enforcement actions should also be considered against the responsible parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: INDEPENDENT BANK CORP.
State: NH

Complaint narrative:
Enterprise Bank in XXXX NH stole XXXX dollars from my savings account they said a fraudulent check was used in my name in XXXX with I didnt know about authorized or benefit from, and without letting me know of a investigation or even hearing my side of the story stole XXXX dollars to cover the fake check. They have not been willing to help me after reaching out to them multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
This is my third attempt to get things on track with Shellpoint in regards to my mortgage modification. They finally sent me the agreement after a year of no response. I signed it only because it took so long to get this I wanted to finalize the new payment. It stated I could contact them if corrections needed to be made. They sent it to me at the end of XXXX, but it stated that my first payment was due XX/XX/XXXX. I never received anything in writing prior to this agreement that notified me my payment would be due XX/XX/year>, and after signing I called them asking why they were trying to start my modification with me behind already on the payments. Since I signed the last week of XXXX, I assumed my first payment would be XX/XX/year>. I made that payment. I also recorded my conversation with them, in which they say they will look into the date of the first payment, as I told them I would expect to be notified in writing of my first payment, before it's actually due. In this case I was notified a almost 4 weeks after it would have been due, and I can't afford to make 2 payments at one time. They said they would look into it and have a manager call me back on in 2 business days. I never received a call back. I did get a letter in the mail stating my new payment would start XX/XX/year>, which I will provide here. I then logged into the website and it reflected this change as well. So on XX/XX/year> I made my first payment online. Now I'm back to getting letters that I'm behind and when I log into the website my loan isn't there and when I try to add it, it can't be found. It's like I'm dealing with 2 different companies. Everytime I get an issue resolved with them, I get a letter that completely states the opposite. They don't honor anything they say. The modification was supposed to bring me current, but for them to start me off in a modification already behind defeats the entire purpose and I can not afford to make multiple payments at once. The only time I seem to get a response from them is when I make a complaint in this manner.

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 2025-07-17 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: NY

Complaint narrative:
Months ago, I noticed numerous accounts on my credit reports that I do not recognizeaccounts that are clearly fraudulent. I have no idea where they came from or who opened them, which is deeply unsettling. In an effort to resolve this, I submitted a written request to the credit bureau asking for proper validationspecifically the original signed contracts for each accountso I could determine how my personal information is being used and ensure these inaccuracies are removed. 

Per the bureaus instructions, I included a formal letter and a report from the FTC. That was nearly XXXX months ago. Since then, Ive heard nothing. I have not received the original documents I requested, nor have I been given any explanation of the method of verification, any names of representatives from the reporting creditors, or any justification for why these items are still being reported. 

Ive always been careful with my credit, and I take these matters seriously. Im growing increasingly concerned that my identity is still being misusedand more concerned that my efforts to address it are being ignored. All Im asking for is a clear response and appropriate action to protect what Ive spent a lifetime building.

Company response to consumer: Closed with non-monetary relief