vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: DC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Hello. I have a credit card with American Express - XXXX. I am a part of the program with the bank when I'm not using the card but just making monthly payments of {$62.00}. So in the month of XXXX I mistakenly set a second payment and made 2 instead of 1. I tried contacting them with the request to reimburse the payment. Since then, I'm in contact with them every 3 days, and their absolutely unprofessional lying representatives keep telling me that they have issued a check and I should receive it within 7-10 business days. They are giving false and contradictory information, which is misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-17 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: OH

Complaint narrative:
I am requesting that they either provide full validation of the alleged debt or cease collection activity and remove this account from all credit reporting agencies. 

LVNV Funding LLC, through Resurgent Capital Services, is reporting a debt on my credit report that I dispute. The account is listed as originating with XXXXXXXX XXXX XXXX XXXX I sent the company a written debt validation request under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ), asking for proof of the debt, account history, and their authority to collect. To date, they have not provided proper validation. 



I am requesting that they either provide full validation of the alleged debt or cease collection activity and remove this account from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
When reviewing my credit reports, I discovered multiple accounts and inquiries being reported inaccurately and without proper validation. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX account shows a {$0.00} balance but continues to report 3060 day late payments from XXXX. This account has been disputed but no proper validation has been provided, and the reporting is inconsistent between the bureaus. 

XXXX XXXX XXXX is reporting an auto loan that was closed and charged off with {$1100.00} written off. The account shows multiple late payments and a charge-off in XXXX, but no documentation proving the deficiency balance or legal right to collect has been provided. XXXX XXXX XXXX is reported as closed and settled with {$700.00} written off, yet it continues to show extensive derogatory history. No original creditor validation has been presented to justify this negative reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is reported as closed with a {$0.00} balance, but it still reflects a late payment from XXXX, which is outdated and unfair. Additionally, Experian continues to report an unauthorized hard inquiry from XXXX XXXX dated XX/XX/XXXX, which I did not authorize. Despite prior disputes, these inaccurate items remain on my reports and continue to harm my creditworthiness.

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 2025-09-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit & Collection Recovery Services, Inc.
State: AL

Complaint narrative:
Collection agency is CCRSI, XXXX XXXX XXXX, XXXX Alabama XXXX Supposed Debt with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Alabama XXXX Received initial collections notice from CCRSI, I requested verification of debt, on XX/XX/year> they sent letter stating they validated debt. On XX/XX/year> I provided specific payment details including Credit card receipts, and Checks from bill pay account, actually totaling more than they say I owe. 
Even with this proof CCRSI is continuing to harassing me about a non-existent debt that has already been paid. The last letter from CCRSI dated XX/XX/year> but post marked XX/XX/year> actually has a payment detail report, showing the amounts I provided previously. 

I don't feel CCRSI nor XXXX XXXX XXXX have any validity trying to collect a debt that was previously paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing the collection account reported by Portfolio Recovery Associates , LLC ( Account # XXXX ) for {$19000.00}, originally from XXXX Bank. The tradeline shows Date opened : XX/XX/year> and was furnished as a collection beginning around XXXX XXXX. 

I never received any initial communication or validation notice from Portfolio Recovery Associates. Under the FDCPA and Regulation F, a debt collector must provide a validation notice in the initial communication or within five days of that communication ( 15 U.S.C. 1692g ( a ) ; 12 C.F.R. 1006.34 ( a ) ( 1 ) ). I received no such notice. 
XXXX XXXX XXXX Further, Regulation F prohibits furnishing to consumer reporting agencies before communicating about the debt or, at a minimum, sending a letter/email and waiting a reasonable period for any undeliverable notices ( 12 C.F.R. 1006.30 ( a ) ( 1 ) and official interpretations ). Given that I first learned of this account from my credit report and never received a validation letter, it appears PRA furnished before complying with 1006.30.

As a furnisher, PRA is also required to maintain reasonable policies to ensure accuracy and integrity and to reasonably investigate direct disputes ( 12 C.F.R. 1022.42, 1022.43 ). This is a direct dispute of the accuracy and the right to furnish this tradeline absent proof of proper validation and communication. If PRA continues to furnish, it must note that the information is disputed ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ).

Requested relief : Delete this collection tradeline from all consumer reporting agencies ; or alternatively, cease furnishing and provide full validation in compliance with 1006.34 ( including itemization date, amount, original creditor, Model Form B-1 content ), plus mailing logs or other evidence showing a timely validation notice was sent and not returned undeliverable before furnishing, consistent with 1006.30 ( a ) ( 1 ). 

Attachments include screenshots of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: EQUIFAX, INC.
State: AL

Complaint narrative:
When reviewing my credit reports, I discovered multiple accounts and inquiries that are being reported inaccurately and without proper validation. XXXX XXXX XXXX XXXX reported as charged-off with a {$1000.00} balance, but the charge-off dates and balance history are inconsistent, and late payments are still being reported after the account was closed. XXXX is listed as charged-off with a {$720.00} balance, yet it continues to show past due amounts more than a year after closure, which is both inaccurate and misleading. 

XXXX XXXX XXXX XXXX is listed as charged-off with a {$6800.00} balance. This account shows inflated balance amounts and late payments reported well beyond the charge-off, which is contradictory and unverifiable. My XXXX XXXX XXXX XXXX XXXX loan was marked dispute resolved, yet it continues to reflect derogatory late payments, which directly contradicts prior dispute outcomes. XXXX XXXX XXXX is reporting a {$6600.00} collection account linked to XXXX XXXX, but they have never provided proper proof of assignment, ownership, or chain of custody. Despite disputes, the account remains derogatory with no validation. 

Additionally, I discovered several hard inquiries that I did not authorize. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX all appear as recent hard pulls, but I never gave written consent for these inquiries. These are damaging to my credit profile and remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
When reviewing my credit reports, I discovered multiple accounts and inquiries that are being reported inaccurately and without proper validation. XXXX XXXX XXXX XXXX reported as charged-off with a {$1000.00} balance, but the charge-off dates and balance history are inconsistent, and late payments are still being reported after the account was closed. XXXX is listed as charged-off with a {$720.00} balance, yet it continues to show past due amounts more than a year after closure, which is both inaccurate and misleading. 

XXXX XXXX XXXX XXXX is listed as charged-off with a {$6800.00} balance. This account shows inflated balance amounts and late payments reported well beyond the charge-off, which is contradictory and unverifiable. My XXXX XXXX XXXX XXXX XXXX loan was marked dispute resolved, yet it continues to reflect derogatory late payments, which directly contradicts prior dispute outcomes. XXXX XXXX XXXX is reporting a {$6600.00} collection account linked to XXXX XXXX, but they have never provided proper proof of assignment, ownership, or chain of custody. Despite disputes, the account remains derogatory with no validation. 

Additionally, I discovered several hard inquiries that I did not authorize. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX all appear as recent hard pulls, but I never gave written consent for these inquiries. These are damaging to my credit profile and remain unresolved.

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 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Financial is reporting false late payments on my credit report and charging me late fees that are not valid. I have made my payments on time, and their reporting does not reflect my actual payment history. This violates the FCRA requirement for accurate reporting of consumer credit information. I am requesting correction of my account to show on-time payments and removal of the improper late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX - XXXXXXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than XXXX  days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing the capital one account number XXXX appearing on my XXXX XXXX and XXXX  reports. Capital One is reporting inconsistent dates of first delinquency and balances across the 3 bureaus, violating FCRA 607 ( b ). Under FCRA 611 ( a ), I have the rights to verification. Capital One has failed to provide a signed agreement or complete payment history. Per 15 U.S.C. 1681i ( a ) ( 5 ) ( a ) unverifiable information must be deleted. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I '' ve made payments to a closed acct and the Company keeps rejecting them even though I've sent them copies They've blamed my bank my bank processed them the Co rejected them This has been going on for 6 months

Company response to consumer: Closed with explanation