vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g that your claim is disputed and validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : Please provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you.

The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in ( Your State ) has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 

This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment, and I will bring this matter before a judge. 

All future communications with me MUST be done in writing via XXXX and sent to the address noted in this letter. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-02 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:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Collection account opened at PRO COLLECT on XX/XX/year> account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at PRO COLLECT on XX/XX/year> account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at PRO COLLECT on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-07-02 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:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Collection account opened at PRO COLLECT on XX/XX/year> account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at PRO COLLECT on XX/XX/year> account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at PRO COLLECT on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: VA

Complaint narrative:
Consumer Financial Protection Bureau Formal Complaint Regarding XXXX XXXX XXXX Re : Equifax Credit Report Inaccurate Reporting & FCRA Violations Subject : XXXX XXXX XXXX Equifax Reporting Failure to Prove Ownership & Refusal to Cease Reporting To Whom It May Concern : I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding a continued and unlawful reporting practice by XXXX XXXX XXXX, who is furnishing a collection account to Equifax on my consumer credit report. 

Despite my multiple requests, XXXX has failed to provide any legally sufficient proof of the chain of ownership or legal right to report this alleged debt. They have only uploaded a past due XXXX XXXX from XXXX XXXX, which does not constitute proof of ownership, legal assignment, or debt validation under the Fair Credit Reporting Act ( FCRA ). 

I have completed and submitted the FTC Identity Theft Report, and supporting identity documents including through a previous CFPB complaint. Despite having these documents, XXXX XXXX has refused to cease reporting the account and continues to furnish derogatory and disputed information to Equifax in violation of federal law. 

Additionally, I have directly spoken with XXXX XXXX, a representative and XXXX at XXXX. In a response on a previous CFPB complaint, XXXX XXXX falsely claimed that she had not received the completed identity theft affidavit when, in fact, it was properly uploaded to the CFPB portal and sent via mail. This misrepresentation further demonstrates bad faith conduct and obstruction of a fair investigation. 

Violations of the Fair Credit Reporting Act ( FCRA ) Include : 15 U.S. Code 1681s-2 ( b ) Failure to conduct a reasonable investigation after receiving notice of dispute.

15 U.S. Code 1681c-2 Failure to block fraudulent information after receipt of an identity theft report.

15 U.S. Code 1681s-2 ( a ) Reporting information without a permissible purpose and without legal authority to report. 

Failure to provide chain of custody/ownership which is required to validate the debt and prove the legal ability to collect and report it.

Continued furnishing of disputed information after identity theft documentation was submitted a willful violation under 15 U.S. Code 1681n and 1681o.

Failure to mark the account as disputed during the period under investigation. 

Attached are copies of the identity theft report, and previous CFPB submission proof. 

Please investigate and take immediate corrective action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2300.00}

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 2025-07-02 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am filing this identity theft dispute with Innovis under the Fair Credit Reporting Act ( FCRA ), specifically invoking my rights under 15 U.S. Code 1681c-2 ( Section 605B ). I am the victim of identity theft, and I am formally disputing the following tradelines reporting as charge-offs, profit and loss with balances, and collectionsnone of which are mine. 

I have submitted a valid FTC Identity Theft Report ( XXXX XXXX. XXXX ), along with a government-issued photo ID, proof of address, and written statements identifying each fraudulent account. Despite providing all required documentation, these accounts remain on my Innovis credit file and continue to cause significant material harm. 

The following accounts must be permanently blocked within four ( 4 ) business days, as required under FCRA 1681c-2 ( c ) : * XXXX XXXX XXXX Account XXXX XXXX XXXX, Balance : {$3300.00} ( I did not authorize this charge-off. The vehicle was declared a total loss and settled through insurance. No delinquency occurred, no XXXX was issued as required under 26 U.S. Code 6050P, and there is no valid contractual liability or permissible purpose under FCRA 1681b ( a ) ( XXXX ) to justify this continued reporting. ) * XXXX XXXX XXXXXXXX XXXX  Account ending in XXXX, XXXX : {$1200.00} ( Charged-off account. No IRS Form XXXX was issued for a debt exceeding {$600.00}. ) * XXXX XXXX Account ending in XXXX, XXXX : {$1400.00} ( Charged-off with no XXXX issued. I never opened or authorized this account. ) * XXXX XXXX Associates Account ending in XXXX, XXXX : {$1000.00} ( XXXX account. I dispute the validity and never authorized or agreed to this debt. ) These accounts were opened or converted into charge-offs or collections without my consent. I never applied for them, and no permissible purpose exists under FCRA 1681b ( a ) ( 2 ) to justify their continued reporting.

The continued presence of these accounts also violates the following laws and reporting standards : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681c ( a ) ( 4 ) Illegal re-aging through ongoing monthly updates after charge-off FCRA 1681i ( a ) ( 5 ) ( A ) Refusal to delete unverifiable or misleading information FCRA 1681c-2 ( c ) Failure to block identity theft accounts after receiving full documentation 26 U.S. Code 6050P No Form 1099-C issued for canceled debt over {$600.00}, a requirement under IRS regulations These accounts continue to show balances after charge-off, implying ongoing liability that does not exist and was never authorized. This violates both credit reporting laws and federal tax reporting obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-07-02 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: MN

Complaint narrative:
Please remove the outdated information from mycreditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I submitted an Income-Driven Repayment ( IDR ) application to XXXX and followed up multiple times by phone. Despite this, my application was never processed, and I was not notified of any denial or issue. As a result, my loans were placed into the wrong repayment status, and late payments were reported to the credit bureaus. I have never had loans in derogatory standing prior to this. I have always made a consistent effort to stay in good standing, and this negative reporting was entirely due to XXXX  failure to process my application. When I contacted XXXX and requested proof that I had reached out including emails, call notes, or call logs ; I was told that I would need a court-ordered subpoena to access those records. This response shows a complete lack of transparency and accountability. I have since learned XXXX is currently under investigation and facing class-action lawsuits for this exact issue : failing to process IDR applications and misreporting borrowers as delinquent. I am requesting that these late payments be removed and that my credit report be corrected, as I should not be penalized for servicer error.

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 2025-07-02 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: GA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-07-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and found incorrect and unauthorized inquiries : Address : XXXX XXXXXXXX XXXX  ga XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX Inquiries : XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I recently reviewed my credit report and found incorrect and unauthorized inquiries : Address : XXXX XXXXXXXX XXXX  ga XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX Inquiries : XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Summary : I am reporting Resurgent Capital Services for continued credit reporting of a fraudulent account in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting full deletion of the account, as well as statutory damages for unlawful reporting activity. 

Details : I received a written confirmation from XXXX XXXX  ( the original creditor ) that the account in question was : Opened via a fraudulent application Closed with no financial obligation on my part Submitted for deletion to XXXX XXXX XXXX, and XXXX Despite this, Resurgent Capital Services has continued to report this account on my credit file. 

This constitutes a violation of : FCRA Section 623 furnishing inaccurate or unverifiable information FDCPA Section 807 misrepresenting the character, amount, or legal status of a debt I have suffered harm to my credit profile and financial reputation, and I am demanding : Immediate removal of the account from all credit reporting agencies Statutory damages under FCRA and FDCPA as permitted by law ( up to {$1000.00} per violation, not including punitive or actual damages ) Documentation from the original creditor is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MN

Complaint narrative:
From XXXX XXXX to now I have been unable to withdrawal or use my money with cash app using there card, it always declines and says its for my privacy. When asking the company to help me they always tell me that there is nothing they can do and that its for my protection. I have called and used there help bot.

Company response to consumer: Closed with explanation