vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: AZ

Complaint narrative:
I learned that someone had stolen my identification information. I learned from the Social Security Administration that a person used my name and Social Security number. and address for her or their benefit. 
I filed a report with the Identity Theft Report with the Federal Trade Commission # XXXX. Also, with Social Security, IRS, and a police report. 
I sent a letter for validation and verification to creditor but they did not provide a complete verification per my request : 1. copy of the original signed contract or agreement bearing my signature as proof that I agreed to the debt. 2 .. Chain of ownership showing that Resurgent/LVNV Funding LLC has the legal authority to collect this debt ( 15 U.S.C. 1692g ( b ) ).

3. If a judgment has been obtained, a copy of the judgment with the court name, case number, and date.

A detailed accounting of the alleged debt, including a breakdown of all charges ( principal, interest, fees, etc. ) ( 15 U.S.C. 1692g ( a ) ( 1 ) ).

Please note that under the FDCPA, 15 U.S.C. 1692g, requires that they should send me a written validation notice within five days of initial contact.

This alleged debt is being reported still as a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
I am submitting this complaint after reviewing my credit report and noticing several unauthorized inquiries that I did not approve. These inquiries have negatively impacted my credit profile and misrepresent my financial activity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> I did not authorize any of these companies to access my credit file. The Fair Credit Reporting Act ( FCRA ) protects consumers by requiring that credit reporting agencies obtain permission before furnishing reports, follow reasonable procedures to ensure maximum accuracy, and reinvestigate disputed items within 30 days.

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 2025-09-25 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: PA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX 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 XXXXXXXX

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the personal information currently being reported on my credit file. I noticed that the address information listed for me is inaccurate and does not reflect my correct, current residence.

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Maintaining outdated or incorrect address information is a direct violation of this requirement.

Additionally, per FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and to have it corrected or deleted from my credit file within the legally required timeframe.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: First Technology Federal Credit Union
State: NV

Complaint narrative:
My bank is First Tech Federal Credit Union. 

I bought a car and had made XXXX transfers by XXXX to the Dealership 's manager, XXXX XXXX who was in my contact list from the previous transfers. For some reason, I was not thinking and transferred the last amount of {$1300.00} to XXXX XXXX using my debit card. When I wrote them the next day, he said he had not received it. I looked at my account online and it said it went to XXXX. On my online account it showed the following : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ID XXXX Posting Date XX/XX/year> Transaction Categories Uncategorized. 

After I realized that somehow this was not received by XXXX and somehow changed to deposit into XXXX, I had to send him the {$1300.00} amount still owed for the car, but I sent it through XXXX this time. 

I have called XXXX numerous times. I have called First Tech Federal Bank numerous times. I have written, I have disputed. And I don't have my money back. 

I do have a XXXX XXXX XXXX charge card. The money is not on that card. 

I need this money back and neither bank is being forthright in trying to locate it for me. They both say that there is nothing they can do. 

I am writing in hopes that you an help make them find out where my money went and return it to me. I need to pay my bills. 

if you need copies of the letters to the bank and back, please let me know and I will copy them and send. 

Thank you. 

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submit this complaint regarding false, inaccurate, or misleading information being reported by Experian and XXXX XXXX, and their failure to correct or reasonably reinvestigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). 

Specifically : Experian is reporting a late payment / derogatory credit mark that is incorrect, and despite my formal dispute, has not reversed or updated it. 
XXXX XXXX ( a background check / consumer reporting agency ) has produced or distributed a background report containing incorrect information ( e.g. misattributed criminal records or other adverse information ) which has harmed me ( e.g. caused a job offer to be rescinded ).

Both companies failed to follow the FCRAs reinvestigation and accuracy requirements, and ignored my dispute efforts.

2. Relevant Legal Authority & Cases I rely on the following statutory and judicial authorities : Statutory Basis FCRA 15 U.S.C. 1681i ( a ) When a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct a reasonable reinvestigation within 30 days.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they publish.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers of information ( like loan servicers or background data providers ) must not report information they know or have reason to believe is inaccurate. 

Judicial Precedents XXXX XXXX Experian Information Solutions , Inc. ( XXXX XXXX. 2015 ) : The Court held that a consumer need not prove that the incorrect information was published to a third party to recover actual damages under 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The plaintiff alleged that XXXX XXXX willfully and negligently violated the FCRA by including incorrect criminal record data and failing to employ reasonable procedures to assure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I've called capital one several times to validate my restricted account or get it closed they are reporting fraudulent information to the credit bureau due to when they restricted account I owed XXXX dollars but I've made a payment after the restriction but there not updating that info due to the restrictions and will not turn on account either after they went as far as calling my bank to verify and my water company and phone company with all verification done and obtained my account numbers and then no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) are being violated. I have noticed that inaccurate, incomplete, and unverifiable information is being reported on my credit profile, and despite my previous disputes, the bureaus and furnishers have failed to properly investigate or correct these errors. Under FCRA Section 602, consumers are entitled to fair and accurate credit reporting, and under Section 609 and 611, I have the right to request verification and reinvestigation of disputed items. By continuing to report unverified and inaccurate information, the furnishers and bureaus are willfully violating the law, harming my financial standing, and creating obstacles in my ability to obtain credit, housing, and fair lending opportunities. I am requesting that the CFPB intervene and enforce my rights as granted under federal law. 
Account : XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$3400.00} Type : Collection This account is being reported as a collection, yet I have never received proper validation of this debt as required by FDCPA Section 809 ( b ). No written notice of the debt was provided within five days of alleged placement, nor has the collector produced any original signed contract or itemized accounting proving I owe the balance. Under FCRA Section 611, when a consumer disputes an item, the furnisher must conduct a reasonable reinvestigation, yet this has not been done. Instead, the account continues to report inaccurately with no supporting evidence. This violates my rights because unverifiable accounts are not legally permitted to remain on a consumer credit file. Continuing to publish this debt without validation constitutes furnishing false and misleading information, which is prohibited by FCRA Section 623 ( a ) ( 1 ) ( A ). The reporting of this account is damaging my credit profile, lowering my score, and misrepresenting my financial responsibility.

Laws Violated for this Account : FCRA Section 602 Right to fair and accurate credit reporting FCRA Section 609 Right to request disclosure and verification of information FCRA Section 611 Right to reinvestigation of disputed information FCRA Section 623 Duty of furnishers to provide accurate information FDCPA Section 809 ( b ) Requirement for debt validation upon dispute For these reasons, I request that CFPB investigate this matter, require the furnisher to provide full validation or delete this account from my credit file immediately, and ensure my rights under federal law are enforced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I filed a dispute with PNC Bank for a scam because I was scammed when doing a transfer on XX/XX/XXXX. PNC Bank successfully refunded me the dispute amount of {$1000.00} for XXXX, and there are {$2000.00} in total for the XXXX disputes. I also made a phone call to PNC Bank, and the agent confirmed that the money had been successfully returned to my account. However, I noticed that on XX/XX/XXXX XXXX of the disputes was taken away from my account, so I lost {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This debt collection item was originally from capital one. I disputed the account not being mines, and provided proof and it was removed. Now months later this debt collection is seeking to collect on that same debt that was removed from my report because it wasn't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: FCI Lender Services Inc.
State: OH

Complaint narrative:
I received a written notice from FCI Lender Services stating that my loan modification was approved. The terms of the modification are : Interest Rate : 8.00 % ( an increase from 2.04 % ) Term : 480 months ( 40 years ) New Principal & Interest Payment : {$2300.00} ( an increase from {$800.00} ) Total Payment ( with escrow ) : {$2400.00} First Payment Due : XX/XX/year> XXXX trial period required This so-called modification nearly triples my monthly payment during a declared hardship. Instead of providing affordability, the servicer offered terms that make the loan unmanageable and increase my risk of foreclosure. 

The disclosure in the letter also states that the lender does not have an established evaluation standard or waterfall for reviewing loss mitigation applications. It further shows that only a modification was considered no review was performed for forbearance, repayment plans, or other loss mitigation options. 

I believe this conduct violates CFPB Regulation X, 12 CFR 1024.41, which requires servicers to exercise reasonable diligence, evaluate borrowers for all available loss mitigation options, and avoid misleading hardship borrowers with unaffordable modifications. 

I request that the CFPB investigate this matter, require the servicer to produce its full loss mitigation evaluation file, and direct them to provide a reasonable, affordable option consistent with my hardship.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Dear Consumer Financial Protection Bureau, I recently reviewed my Equifax credit report and identified multiple inaccuracies in the listed accounts, addresses, and employment information. When I attempted to dispute these errors through Equifaxs online dispute system, I encountered significant issues : the system either prevented me from submitting disputes entirely or did not allow me to select the appropriate dispute reasons. 
Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to investigate disputed information to ensure the accuracy of my credit report. 
I request that the CFPB investigate EQUIFAX failure to provide a functional dispute process and ensure compliance with FCRA obligations. Please contact me if additional documentation is needed to support this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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 submit this complaint regarding false, inaccurate, or misleading information being reported by Experian and XXXX XXXX, and their failure to correct or reasonably reinvestigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). 

Specifically : Experian is reporting a late payment / derogatory credit mark that is incorrect, and despite my formal dispute, has not reversed or updated it. 
XXXX XXXX  ( a background check / consumer reporting agency ) has produced or distributed a background report containing incorrect information ( e.g. misattributed criminal records or other adverse information ) which has harmed me ( e.g. caused a job offer to be rescinded ).

Both companies failed to follow the FCRAs reinvestigation and accuracy requirements, and ignored my dispute efforts.

2. Relevant Legal Authority & Cases I rely on the following statutory and judicial authorities : Statutory Basis FCRA 15 U.S.C. 1681i ( a ) When a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct a reasonable reinvestigation within 30 days.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they publish.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers of information ( like loan servicers or background data providers ) must not report information they know or have reason to believe is inaccurate. 

Judicial Precedents XXXX XXXX Experian Information Solutions , Inc. ( XXXX XXXX. 2015 ) : The Court held that a consumer need not prove that the incorrect information was published to a third party to recover actual damages under 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The plaintiff alleged that XXXX XXXX willfully and negligently violated the FCRA by including incorrect criminal record data and failing to employ reasonable procedures to assure accuracy.

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 2025-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to Reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am disputing late payment reporting on my federal student loan accounts that appears across all three credit bureaus. The accounts show a payment history with XXXX ' day late markings in XX/XX/XXXX on XXXX XXXX XXXX reports. 

Timeline of events : XX/XX/XXXX : Accounts began showing XXXX late payment status XX/XX/XXXX : I discovered the late payment reporting when reviewing my credit reports XX/XX/XXXX : I contacted the loan servicer to dispute the reporting and request documentation Actions taken : I have maintained communication with my loan servicer regarding payment status and believe the late payment reporting may be inaccurate. I requested validation of the reported late payments but have not received adequate documentation supporting the derogatory marks.

Requested resolution : I am requesting that the loan servicer investigate the accuracy of the late payment reporting and remove any inaccurate information from my credit reports with all three bureaus. The negative reporting is impacting my credit score and ability to obtain credit.

The accounts in question are educational installment loans with balances of approximately {$2900.00} each, originally opened in XXXX.

Company response to consumer: Closed with explanation