vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
I recently filed disputes with all three credit bureaus regarding a bankruptcy that appears on my credit report. I also submitted an Identity Theft Report together with my identification documents and proof of address to support my claim. 
I believe this bankruptcy is being reported inaccurately or may not belong to me. I requested that the bureaus verify the record directly with the courthouse, but it seems the information may have been verified through a third-party source instead. As a result, the item remains on my report even though the documentation I provided shows inconsistencies.

This has caused difficulties for me in obtaining credit and maintaining good standing with lenders, despite my efforts to resolve the issue properly. Ive done my part by providing all the required proof, but I have not received a clear explanation or correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
I disputed the XXXX XXXX account in writing because the information being reported is inaccurate and not verified. The furnisher did not provide any documentation, contract, payment history, or proof that supports the reporting. They continue to report the account after being notified it is inaccurate and unverifiable. This violates the FCRA ( 15 USC 1681i and 1681s-2 ( b ) ). 

I requested deletion of the account from all credit bureaus or full verification with proof, and they have not complied. I am asking CFPB to require XXXX XXXX to either delete this Macys account from all consumer reporting agencies or provide proper documentation and correct all inaccuracies.

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 2025-10-15 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Hello, I am writing to request clarification and correction regarding what appears to be a technical issue on your end. Between XXXX and XX/XX/year>, I made several attempts to submit payments toward my credit card account. Each payment appeared to process successfully and I received confirmation emails, but shortly after, the payments were marked as returned. 

This issue persisted for several months, until I was finally able to make a successful payment using the same checking account. Attached are : Proof that my checking account is linked to my credit card account Confirmation from your customer service representative that the returns were supposedly declined from my bank. 

Records of all declined payments from XXXX through XX/XX/year> XXXX that in XXXX, funds were taken from the same bank that was declined from XXXX - XXXX. 


Documentation showing that this issue has negatively impacted my credit score Please review your records and provide documentation showing : The dates payments were received or attempted The specific reasons each payment was returned From which account the funds were attempted to withdraw from Given that this issue has resulted in an erroneous delinquency being reported, I respectfully request that you correct this error immediately. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  Jefferson Capital Systems Llc XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation Pursuant to FDCPA 809 ( 15 U.S.C. 1692g ) Dear [ XXXX XXXX XXXX XXXX XXXX XXXX  Collection Agency Representative ], I am writing in response to your letter dated XX/XX/year> regarding the alleged debt you claim I owe to XXXX XXXX and/or XXXX XXXX in the amount of {$1200.00}. Pursuant to my rights under the Fair Debt Collection Practices Act, I am requesting validation and verification of this alleged debt. 

Until you provide full and proper documentation, please cease all collection activity and do not report or continue to report this alleged debt to any credit reporting agency. 

Please provide the following : 1. The name and address of the original creditor and the original account number.

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

3. A copy of the original signed agreement or contract establishing the account.

4. Documentation proving that you ( or your agency ) own or have been assigned the right to collect on this debt.

5. The date of last payment or activity on the account, to verify whether the debt is within the statute of limitations for collection in my state. 

This request is made in good faith and in accordance with the FDCPA. This letter is not a refusal to pay, but a request for proper documentation so I may fully understand and validate the alleged obligation. Please communicate with me only in writing regarding this matter. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NV

Complaint narrative:
I am officially filing my last written correspondence here before take legal action against this company LVNV. I have already already leered them and the credit bureaus that account the have on my report is NOT MINE. I never authorized any service with them nor ever heard of the credit card company XXXX I am an XXXX XXXX member and have spoken with my legal rep about this matter as I come back from XXXX and see my credit score dropped by XXXX points and this company seems to think that having fraudulent information in their system is okay. They are fully aware this is not my count and yet continue to diminish my credit for a {$700.00} fraudulent debt. I will be suing for multiple times the amount should this not be removed from my credit report upon receipt of this final communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
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 Dear Sir/Madam, I am writing to formally dispute inaccurate reporting regarding the account from Credit Acceptance ( CREDITACPT ) on my credit file under the Fair Credit Reporting Act ( FCRA ). 
* * Account in Dispute * * : Creditor Name : Credit Acceptance ( CREDITACPT ) Account Opened : XX/XX/XXXX Reported Balance : {$31000.00} Reported Highest Balance : {$20000.00} Status : Listed as Open This account is being reported inaccurately for the following reasons : 1. Balance Misrepresentation the reported balance of {$31000.00} exceeds the reported highest balance of {$20000.00}. 
2. Illegal Re-Aging the account shows late payments extending into XXXX despite no verifiable activity. 
3. Improper Status Reporting account is still shown as " open '' when it should have been closed/charged off. 
4. Incomplete/Conflicting Payment History no accurate or complete payment history is reflected. 
Under FCRA 609 & 611, I am requesting that you reinvestigate this account. If you can not substantiate the accuracy with proper documentation, you must delete the tradeline from my credit report immediately.

I have enclosed a copy of my drivers license, proof of address, and a copy of my credit report with the Credit Acceptance account highlighted.

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Between the dates of XXXXXXXX  a total of {$11000.00} was stolen from my business bank account to pay towards some random persons Chase accounts. I only have a chase business credit card but I did not make those fraudulent transactions towards someone else 's account. I do not have a checking or savings account with Chase. When my bank XXXXXXXX XXXX contacted Chase bank, they said they couldn't do anything about it. A simple cross check to see that those transactions did NOT go towards my credit card would have shown them they were fraudulent transactions. I have an XXXX XXXX  with all my payments and all the fraud ones. I have filed a police report with the XXXX XXXX Department for this online fraud. I need Chase bank to pay me back the money they allowed to be stolen out of my account, that they refuse to pay me back for, for whatever reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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 2025-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
What happened : I recently discovered that Mr. Cooper Mortgage, my loan servicer and escrow manager, failed to maintain continuous homeowners insurance coverage on my property despite funds being available in escrow. The policy was canceled for non-payment on XX/XX/XXXXXXXX XXXX resulting in a lapse of coverage that was entirely preventable. 

Because of this negligence, I was forced to secure new replacement coverage on XX/XX/XXXXXXXX XXXX XXXX  at a much higher costapproximately {$11000.00} annually compared to my prior premium of $ XXXXand with less protection. This caused an escrow shortage of {$6800.00} and nearly doubled my monthly mortgage payment from {$1200.00} to {$2300.00}, creating significant financial hardship. 

I have not previously contacted Mr. Cooper because I only recently became aware of their error and its full impact. I am now seeking correction, but the company continues to treat the overcharge as the borrowers responsibility rather than restoring the prior policy level and premium that would have applied had the lapse not occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
The car was deemed un drivable from the dealership. 
They did not offer to provide another vehicle The car was sold faulty Paperwork was never received to sell to another person. 
The car was never picked up and repossessed. 
The original amount is different from what we was charged in the beginning Breach of contract Incorrect payment due dates Over charged payments

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 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I sent National Credit Adjusters , LLC written correspondence on XX/XX/XXXX, requesting debt validation for an account appearing on my credit reports for XXXX XXXX XXXX. My XXXX  reports show the debt under XXXX XXXX XXXX charged off as bad debt with a zero-balance due. My XXXX report show account opened with XXXX XXXX XXXX XXXXXX/XX/XXXX, last activity for XXXX XXXXXXXX  and XXXX XXXXXX/XX/XXXX, last update for XXXX XXXX  and XXXX XXXXXX/XX/XXXX. The close account date for XXXX shows XX/XX/XXXX and no close date for XXXX XXXX XXXX report has no data listed. When I review entries on my XXXX report for National Credit Adjustment it has the date assigned to all three bureaus as XX/XX/XXXX, with an original balance and current balance of {$1300.00}. In my validation letter to National Credit Adjusters, I requested a copy of the assignment contract for debt, an agreement / contract signed by me and a record of all payment history by me. National Credit Adjusters LLC responded to my concern via letter on XX/XX/XXXX, and asked me to provide specific information and the basis for my dispute. I responded back to National Credit Adjusters LLC on XX/XX/XXXXXXXX XXXX XXXX to inform them that I was not familiar with the debt and to provide me with the assignment contract for the debt, the signed agreement/ contract and all payment history by me. I received a second response from National Credit Adjusters , LLC, dated XX/XX/XXXXXXXX XXXX XXXX  with a copy of a Loan note disclosure and a copy of an endorsed XXXX XXXX XXXX check in the amount of {$1400.00}, dated XX/XX/XXXX. I have not received an assignment of debt contract or anything relating to payment history. The original balance reported to the credit bureaus by National Credit Adjustment LLC is for {$1300.00}, the endorsed XXXX XXXX XXXX check is for {$1400.00} and the loan note payments sheet shows a total due of {$1800.00}. I need payment history to confirm amounts, and I need a copy of the bill of sale for assignment of this account to National Credit Adjusters LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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 2025-10-15 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX Credit Card Account Account Type : Revolving credit ( credit card ) Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date of Last Activity / Reported : XX/XX/XXXX Credit Limit : {$1200.00} Reported Balance : {$1200.00} Payment Status : Charged off / Derogatory Remarks : Account charged off. Profit and loss write-off. 
Reported To : XXXX XXXX XXXX  Actions Taken by XXXX XXXX XXXX XXXX Account was opened in XX/XX/XXXX and appeared in good standing for roughly one year. 
Late payments began appearing in early XXXX, progressing from 30 to 90 days delinquent. 
In XXXXXXXX the account was charged off, with XXXX XXXX reporting the full balance of {$1200.00} as a loss. 
Despite your fraud alert on file, XXXX XXXX continued to furnish updates through XX/XX/XXXXXXXX XXXX  classifying the account as charged off / profit and loss write-off. 
A consumer dispute notation was later added only after you filed your dispute with the credit bureaus. 
No supporting documentation ( application, signature, or use history ) has been provided to verify you authorized or benefited from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: AL

Complaint narrative:
Upon recently checking my credit report for inaccuracy, I did indeed find inaccurate information that is being reported to my credit report by all three credit bureaus, Experian, Equifax, and Transunion. After noticing this error, I immediately contacted all three bureaus ( via mail ) requesting that the information be deleted. Needless to say, they didn't respond and neither did they delete the accounts. This is breaking Federal Law!

According to the Fair Credit Reporting Act - 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general - If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please help me with this matter!!

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 2025-10-15 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: AL

Complaint narrative:
Upon recently checking my credit report for inaccuracy, I did indeed find inaccurate information that is being reported to my credit report by all three credit bureaus, Experian, Equifax, and Transunion. After noticing this error, I immediately contacted all three bureaus ( via mail ) requesting that the information be deleted. Needless to say, they didn't respond and neither did they delete the accounts. This is breaking Federal Law!

According to the Fair Credit Reporting Act - 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general - If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please help me with this matter!!

Company response to consumer: Closed with explanation