vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
On or around XX/XX/year>, I submitted a formal dispute to XXXX XXXX XXXX requesting full validation of a reported {$200.00} collection account allegedly tied to XXXX XXXX ( XXXX  ). I specifically requested documentation proving the validity of the debt, a signed contract bearing my name, and evidence that my financial and personal information was shared with proper consent. 

On XX/XX/year>, XXXX responded via the CFPB stating that they ceased collection activity but failed to provide any of the documentation I legally requested. They also stated no prior validation request was on filedespite this dispute. 

To date, I have received no debt validation, no proof of consent to report the information, and no legal documentation authorizing them to furnish this data to credit bureaus. Under FDCPA 1692g ( b ) and FCRA 1681i, if no proof can be provided, the debt must be removed. They are in violation of : 15 USC 6801 ( GLBA ) failure to protect my personal financial data 18 USC 1028A unauthorized use of identity FCRA 1681s-2 furnishing inaccurate or unauthorized information I am requesting this account be deleted from all credit reporting agencies immediately. Ceasing collection is not enough when they never had legal standing to report the debt in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$2100.00}

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 2025-06-23 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: MS

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-06-23 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: Self Financial Inc.
State: PA

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SELF/SOUTHSTATEBANK for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, a year ago, I was in a financial dilemma due to health issues .. As a result 3 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.

SELF/SOUTHSTATEBANK Account Number : XXXX Late Dates : XX/XX/XXXX  and XX/XX/2024 SELF/SOUTHSTATEBANK Account Number : XXXX Late Dates : XX/XX/XXXX  This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Account Number XXXX Balance : {$470.00} Open Date XX/XX/XXXXXXXX  Inquiries 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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Account Number XXXX Balance : {$3900.00} Open Date XX/XX/XXXXXXXX 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 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 2025-06-23 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: AL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I switched from XXXX XXXX XXXX XXXX XXXX XXXX and on that day, a fraudulent XXXX payment was sent to one of the contacts in my phone. I opened a claim reporting this fraudulent payment of {$150.00}, however, my initial claim was denied. I appealed that decision and provided documentation to support a timeline showing when I switched cell service and when the payment was made. The claim was denied a second time. I contacted Chase today to let them know I had an email from the recipient of the money, stating that they attempted to dispute the charge with their bank, but all their bank did was freeze their ability to send a receive XXXX payment due to the fraudulent activity. Their bank told them that Chase would have to investigate. I do not believe Chase investigated this occurrence thoroughly enough because Chase is still insisting the payment was made from my phone, which it was not!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : 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 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 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent Capital Services XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Chain of Title and Validation of Debt Account Number : To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you provide proper validation of this debt. Specifically, I am requesting a complete chain of title showing the legal transfer of this debt from the original creditor to your company. 

To date, you have failed to provide any documentation that proves your legal standing to collect on this account. Without a clear and verifiable chain of assignment, there is no way to confirm that Resurgent Capital Services has the authority to collect this debt or that this debt is even valid. 

Please provide the following : A copy of the original signed agreement or contract creating the debt. 
Full documentation detailing the chain of title/ownership from the original creditor to Resurgent Capital Services .

The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges.

Verification that Resurgent Capital Services is licensed to collect debts in my state. 
Until you provide the above documentation, I do not acknowledge any liability or obligation for this debt. Furthermore, if you continue collection efforts without first providing proper validation, you will be in violation of the FDCPA. 

Please consider this a formal dispute of the debt. All future communication regarding this matter should be made in writing only

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I disputed an account ( XXXX XXXXXXXX XXXX, for XXXX XXXX ) with Experian and requested validation. Experian marked the account as remaining but provided no proof, documentation, or explanation. 

This violates FCRA 1681i ( a ), which requires a reasonable reinvestigation, and 1681i ( a ) ( 5 ), which mandates disclosure of how the item was verified. The furnisher also failed to provide required documentation under FDCPA 1692g ( b ). No contract, no full accounting, no proof of debt ownership.

Once I disputed it also increased the amount and re-aged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: OH

Complaint narrative:
I disputed an account ( XXXX XXXXXXXX XXXX, for XXXX XXXX ) with Experian and requested validation. Experian marked the account as remaining but provided no proof, documentation, or explanation. 

This violates FCRA 1681i ( a ), which requires a reasonable reinvestigation, and 1681i ( a ) ( 5 ), which mandates disclosure of how the item was verified. The furnisher also failed to provide required documentation under FDCPA 1692g ( b ). No contract, no full accounting, no proof of debt ownership.

Once I disputed it also increased the amount and re-aged debt.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
i have a right to send a certified letter under the F.C.R.A DUE TO ID THEIF on my report there using a po box witch puts them in non complient iam a veteren look how many times i have reach out for help how about helping me this one last time before i turn all this over to the FBI AND social media and let everyone know how you treat veterans

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
i have a right to send a certified letter under the F.C.R.A DUE TO ID THEIF on my report there using a po box witch puts them in non complient iam a veteren look how many times i have reach out for help how about helping me this one last time before i turn all this over to the FBI AND social media and let everyone know how you treat veterans

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 2025-06-23 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
In XX/XX/year>, I refinanced my private student loans through XXXX. XXXX sent a payment of {$2500.00} to Firstmark Services to pay off one of my loans. Firstmark then reported this loan as paid off to the credit bureaus, confirming they received the funds. 
Despite this, Firstmark has continued to deduct payments from my bank account for this loan even though they acknowledge their credit bureau reporting that the loan was paid off. For example, they withdrew {$28.00} from my checking account on XX/XX/year>, after reporting the loan as closed at the bureaus. 
Instead of taking accountability, Firstmark has put the burden on me to retrieve proof from XXXX that the funds were senteven though Firstmark 's own reporting to the credit bureaus shows they've received payment and applied it. This situation is unacceptable, as Firstmark should not be charging me for a loan they have marked off and closed. 

Key Facts : XXXX. XXXX funded the loan payoff on XX/XX/year>XXXX  with a check for {$2500.00}. 
2. Firstmark reported the loan as paid off to the credit bureaus. 
3. Firstmark deducted {$28.00} on XX/XX/year>XXXX  despite reporting the loan as closed.

Company response to consumer: Closed with explanation