vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
The companies keep changing amounts and I have told them I have a credit report from each year and its totally wrong. The dates name year I was sent items with different amounts trying to charge me for some XXXX XXXX XXXX. 
Then it goes to another company price change.

These were dismissed in court already timed out yet the dates on a couple say I opened an account 3 months prior as well 1 year ago.

I havent been able to get credit for 7 years.

I was a victim of fraud as well 3 different credit britches.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
I hope this letter finds you well. I am writing to request the reinstatement of my accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was recently suspended or deactivated which I did not request to be done also did not authorize anyone to delete it. 

Accounts Details : Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Email Address Associated with Account : XXXX I kindly ask for your consideration in reinstating my account. If there are any steps or additional information needed to facilitate this process, please let me know, and I will promptly provide what is required.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX CARD XX/XX/year>

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 2025-03-12 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I was issued an American Express prepaid Business Gift Card in XXXX  for the amount of {$50.00}. I have tried using this card everywhere that I go and it is always declined. I have visited the website listed on the back of the card and checked the balance. The website states that the card is active and has a {$50.00} balance that can be used anywhere that accepts AmEx. I have not been successful in using this card. I have called the number on the back of the card and was able to get the balance, however there is not a way to speak to an agent. The recording simply refers me back to the website on the back of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/year> I sent a letter regarding inaccurate and unknown accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report. 
XXXX. An updated credit report reflecting the corrected information. 
XXXX. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-12 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2025-03-12 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: WA

Complaint narrative:
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.

I am filing this FTC Identity Theft Affidavit to report 5 fraudulent accounts appearing on my consumer FICO TRANSUNION credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of XXXX credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ..... These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number ) 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I sent a letter regarding inaccurate and unknown accounts on my credit report.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: UT

Complaint narrative:
I applied for this credit card but never activated or used the card. The card was first reported to my credit for {$400.00} now it is at {$720.00}. I filled a couple disputes with XXXX  explaning and to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1. State what the money you say I owe is for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I made a purchase of {$520.00} at XXXX XXXX XXXX XXXX  XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX on XXXX. The invoice # is XXXX which was for the purchase of a remanufactured starter that was installed in a XXXX XXXX XXXX. When I logged online on XXXX to make my payment that was due on XX/XX/XXXX I noticed that my available balance was much lower than it should have been. I then saw that my XXXX  credit card had been charged twice for the {$520.00} purchase that I made on XXXX. On XXXX I contacted XXXX ( XXXX ) XXXX XXXX pm  and informed them that I had been charged twice for the same service. I was informed to contact the store, which I did on the same date and spoke with XXXX XXXX the store manager who checked his records and stated that he did not see where I had been charged twice. I then contacted XXXX again and told them that I was disputing the double charge. They opened a case. I received a letter from XXXX on XXXX which was dated XXXX informing me that I was responsible for the disputed charges and that I had to provide supporting document by XXXX which was well after the date I received the letter. I called XXXX on XXXX and was told that this case was final. There was a letter dated XXXX from XXXX XXXX of XXXX XXXX XXXX XXXX XXXX stating that they weren't accepting a chargeback because they didn't have a duplicate charge for my service. It was stated that I authorized the services and authorized the charge of {$520.00} for Invoice # XXXX. I have never disputed that I did not make a {$520.00} charge. I stated and still stand by the fact that I was charge TWICE for one starter. My XXXX  credit card statement with a XXXX closing date and XXXX shows exactly what I have stated. There are TWO charges of {$520.00} on the same date of XXXX. I did not receive two starters, only one. Someone has made an error either at the store level or the credit card level and does not want to own up to it. I am not willing to pay nor am I going to pay for something that I did not get. A vehicle only as one starter and that is all I received. I need to have this {$520.00} charge removed. They have made an error. There is only one invoice that I signed for.

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 monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Dear CFPB, I am filing a formal complaint against AFFIRM INC. ( Account # : XXXX ) for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). After I sent a debt validation letter to this collection agency, they responded with a threat of legal action, stating that if I did not respond within 10 days, they would sue me. This response raises several concerns regarding their adherence to FDCPA guidelines. 

The key issues are as follows : XXXX. I exercised my right to request debt validation under the FDCPA, and I have not received proper documentation that validates the debt. Instead of providing the required proof, the collection agency is threatening legal action. 
XXXX. The collection agency is continuing collection efforts, including the threat of a lawsuit, without complying with the FDCPA requirement to validate the debt before resuming collection activities. 
I believe this is a violation of my consumer rights, specifically : FDCPA 809 ( b ) - The agency has not provided proper validation of the debt as required.

FDCPA 807 - The threat of a lawsuit without proper validation may be considered harassment or unfair collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: CA

Complaint narrative:
Subject : Incorrect Late Payment Mark on Mortgage Account Request for Removal Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an incorrect late payment mark that has been reported on my LOANCARE LLC mortgage account. The details of the account are as follows : Creditor Name : LOANCARE LLC Account Type : Mortgage Account Status : Closed / Paid Off Account Number : 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 only This late payment information is incorrect and should not be reflected on my credit report. I have always made my payments on time, and I dispute the accuracy of this negative reporting. Since this account has been paid off and closed, it is unjustifiable for these late payments to be present on my credit 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 explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am an authorized user on the below credit cards. The banks have submitted tradeline reinsertion requests and these accounts have not yet shown on my report as if they're being blocked by a past dispute. Please have this corrected right away : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc.
State: TX

Complaint narrative:
FERPA violations occur when protected student information is improperly disclosed or accessed, including sharing grades with unauthorized individuals, emailing student information to the wrong recipients, or neglecting to secure records. 
This is the law right. Well then he invaded my personal information and lord knows what was said or seen with other individuals and its the law that my information be protected unless Ive given a written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-03-12 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
Credit Bureau : [ Experian/TransUnion ] XXXX Account ( XXXX ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am filing this formal complaint against [ Experian/TransUnion ] for failure to comply with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, specifically regarding the improper reinvestigation and reporting of inaccurate charge-off accounts on my credit report. I have previously disputed these accounts multiple times, and [ Experian/TransUnion ] has failed to conduct a reasonable reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The credit bureau has failed to verify the disputed information through actual documentation from the original creditor and has continued to parrot unverified information, violating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issues with the Reporting of These Charge-Offs : 1. Failure to Verify Accuracy Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if disputed information can not be verified, it must be deleted.

The credit bureau has not provided me with any documentation from the original creditor proving the validity of these accounts.

2. Inconsistent and Invalid Data The account opening and closing dates do not match across different reports. 
The accounts are still reporting a balance despite being charged off, violating Metro 2 Compliance standards.

The account is still being reported monthly, falsely updating its delinquency, which is a violation of FCRA accuracy requirements.

3. Willful Noncompliance The credit bureau has failed to conduct an independent reinvestigation, merely relying on the furnishers information without verification. 
This violates XXXX XXXX XXXX, which ruled that a credit bureau can not simply parrot information from the furnisher without independently verifying it. 
This is a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and constitutes willful noncompliance under 15 U.S.C. 1681n, making the bureau liable for damages. Key Issue : XXXX Has Already Deleted These Accounts XXXX has already removed these same disputed charge-offs because they could not be verified. 
If XXXX found the accounts unverifiable and deleted them, why are [ Experian/TransUnion ] still reporting them? This creates an FCRA violation under 1681e ( b ) (
Failure to Report Accurate 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