vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX RESURGENT/LVNV FUNDING Re : Request for Debt Validation under 15 U.S.C. 1692g To Whom It May Concern, I am writing in response to a collection notice I received from your agency regarding an alleged debt. I am requesting validation of the alleged debt as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The amount of the alleged debt ; The name of the original creditor ; A copy of the original signed agreement or contract ( if applicable ) ; A complete payment history showing how the alleged amount was calculated ; Verification that you are legally authorized to collect this debt in my state ; Proof that you are licensed to collect debts in [ Your State ].

I am formally requesting that you cease all collection efforts, including reporting to credit bureaus, until you provide proper validation of this debt.

If you can not provide the requested documentation, you must cease collection activities and remove any negative reporting from my credit profile as required by law.

Please consider this letter a formal dispute of the debt and a request for validation. Also, be advised that I am keeping records of all correspondence.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may expose it to civil liability.

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 2025-06-04 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: NC

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer. These are the accounts Ive marked as inaccurate, DPT EDXXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I filed Claim # XXXX against PURCHASE UNAUTHORIZED {$45.00} XX/XX/XXXX ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX... 
Card ... XXXX OPENED IN PROGRESS CLOSED Updated XX/XX/XXXX Thank you for your patience. After careful review, your claim has been declined. 

Claim details and history Account XXXX XXXX ... XXXX Dispute Canceled service or reason merchandise Submitted on XX/XX/XXXX, Claim # XXXX PURCHASE UNAUTHORIZED ON XX/XX/XXXX XXXXXXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX XXXX 
Card ... XXXX OPENED IN PROGRESS CLOSED Updated XX/XX/XXXX Thank you for your patience. After careful review, your claim has been declined. 
Claim details and history Account PREMIER CHECKING ... XXXX Dispute Canceled service or reason merchandise Submitted on XX/XX/XXXX, Claim # XXXX PURCHASE UNAUTHORIZED ON XX/XX/XXXX XXXX {$39.00} * XXXX XXXX... 
XX/XX/XXXX Card ... XXXX OPENED IN PROGRESS CLOSED Updated XX/XX/XXXX Thank you for your patience. After careful review, your claim has been declined. 
Claim details and history Account EVERYDAY CHECKING ... XXXX Dispute Didn't receive my goods or reason service Submitted on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-06-04 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-06-04 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
This is to inform you that the debt in question has been paid in full and is beyond the statute of limitations for legal collection under Florida law. In Florida, the statute of limitations is 5 years for written contracts and 4 years for open accounts, such as credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank 's {$400.00} new account bonus offer for Huntington Perks Checking, as described in the attached promotional terms.

According to the promotion, qualifying for the bonus requires receiving {$500.00} or more in total qualifying direct deposits within 90 days of account opening. The bank states that qualifying deposits include regular ACH credits such as payroll or salary from an employer.

The reality is that if Huntingtons internal system or bank statement with a specific direct deposit labelsomething neither the customer, nor the employer has any control over, it won't qualify. There is no public indication in the promotion terms that this arbitrary internal coding, which is not visible or verifiable to the customer, would determine eligibility. This makes the requirement misleading and effectively impossible to guarantee fulfillment of the offer, even when the customer does everything in accordance with the written terms.

I believe this practice is deceptive. It penalizes customers for back-end criteria that : Are not clearly disclosed ; Are beyond the customers ability to verify or influence ; Directly contradict the written statement that " payroll, salary, pension or government payments ( such as Social Security ) '' qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may expose it to civil liability.

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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Inference to acct # XXXX. I did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " certified mail '' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-06-04 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Chaplin & Papa, P.C.
State: VA

Complaint narrative:
I have filed a complaint against XXXX XXXX with the FTC ( # XXXX ). 
In XX/XX/XXXX I enrolled in debt consolidation with XXXX XXXX to help me lower my debt and help pay it off quickly. I enrolled 5 XXXX XXXX XXXX accounts as well as one from XXXX XXXX. XXXX XXXX settled all XXXX accounts for less than what I owed. Starting in XX/XX/XXXX until XXXX of XXXX my checking account was directly debited for {$1000.00} a month, sometimes more, into a banking account set up by XXXX XXXX. In total, I paid over {$40000.00}. From the beginning XXXX XXXX made promises to settle my debt for less and quickly but was never transparent in how my payments were being applied to my debts. I asked numerous times over the years to explain the finance charges because most of my debits were going to finance charges vs my debt. XXXX XXXX charged in excess of 30 % fees and took their money before my debts were settled. I was recently contacted by a debt collector, Chaplin & XXXX claiming they are attempting to collect a debt to XXXX XXXX XXXX XXXX XXXX. I have never heard of either of these companies but they have XXXX of my XXXX XXXX XXXX XXXX accounts that were resolved in debt settlement with XXXX XXXX. I filed with FTC against XXXX for excessive use of hidden fees, inadequate and misleading communication, failure to deliver promised results, and for re-selling debt that was paid without my knowledge and consent. This is a clear violation of fair debt collection practices. I am also filing a complaint with CFPB against Chaplin & XXXX for attempting to collect a debt that has been resolved.

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 2025-06-04 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Tel : ( XXXX ) XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX Subject : Request to Remove Unauthorized Hard Inquiry Under the FCRA Dear Sirs : I am writing to you as a consumer, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), to dispute an unauthorized hard inquiry that appears on my credit report.

Disputed Item Information : Creditor Name : JPMCB CARD Creditor Address : XXXX XXXX XXXX, XXXX, DE XXXX Dates of Inquiries : XX/XX/XXXX XX/XX/XXXX I have not authorized this entity to make these inquiries on my credit history. I request that an investigation be initiated, and if they can not provide evidence of express authorization, that these entries be immediately removed. 

I appreciate your prompt attention and remind you that you are legally required to complete the investigation within 30 days. Otherwise, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have called 3 times to close both checking and saving account and they keep saying there is pending transactions and that they cant close the account when I log on the account all transactions are posted.

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