vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Wa, XXXX XXXX XXXX @ XXXX XX/XX/year> Equifax Legal XXXXXXXX XXXX XXXXXXXX XXXX. GA XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my right under the fair credit report act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax Legal for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I received a letter from LVNV Funding, LLC some time in XX/XX/year>. I responded to this letter with a debt validation letter requesting verification of the alleged debt. I never received a response. The following is the list of information I am requesting for this alleged debt ; The Purchase Agreement The Bill of Sale The Forward Flow Agreement My signature with the original creditor Full Account Number of original debt Proof of complete Transaction History And proof of Chain of Custody.

LVNV Funding, LLC is well aware that all debt is securitized and actually owned by a XXXX XXXX. Third Party Debt Collectors such as LVNV do not own the debt, merely they own the right to collect upon a debt. Therefore, proving the Chain of Custody is vital to establishing their claim of ownership. Failure to do so by providing the documents listed above negates their claim to ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CO

Complaint narrative:
I received a gift card from my work. When I opened it, there was adhesive over the card number. And when you try to get it off the number rubs off too. And the security code is so faint it's unreadable. It's clearly done on purpose so people get frustrated, give up, and don't spend the funds. 

I put in a claim. Time will tell if they get back to me. But that's not the point. The company is trying to scam people with their faulty packaging. 

It was a visa gift card issued by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
So on XX/XX/year> dollars was taken out of my account for a company named XXXX. I did not make this purchase and the transaction was made in XXXX and I am in New York. I tried to dispute it three times but the bank said there was no error occurred, even when I showed screenshots of my location and the location where the transaction was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Recently I was made aware that my student loan in the amount of {$2800.00} had been removed from payment deferment. I called the student loan services Nelnet, and explained that I am still a full time student, but that I was paying for an extension of courses by cash, no longer borrowing additional student loan funding. I have attached a copy of the letter from my current school which states : To whom it may concern, XXXX XXXX is a student with XXXX XXXX. He is enrolled in our XXXX XXXX XXXX, running from XX/XX/XXXX end of XX/XX/XXXX. 

Please reach out with any questions. 

Best, XXXX XXXX Mobility Mentor XXXX XXXX Accordingly, I was told that Nelnet will make the necessary correction and clear off the late payments on my personal credit history and place my loan back into payment deferment status. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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 disputed several items on my credit report, including an old bankruptcy and multiple accounts that are over seven years old. Equifax claimed these items were verified through XXXX. However, when I contacted XXXX directly, they confirmed they do NOT verify this information themselves and rely on a third-party system that publicly states data may be incomplete or inaccurate. This means Equifax did not actually verify the information with the source they claimed.

The accounts I am disputing are more than seven years old and are being illegally re-aged and reported as new monthly charge-offs, e
ven though they were paid and closed years ago. These items should have been permanently removed under FCRA 605 ( a ). Equifax continues marking them as accurate despite clear evidence they are not. 

I also disputed several inquiries that were the result of identity theft. I submitted FTC and XXXX reports, but Equifax has refused to remove the inquiries or provide documentation supporting their continued reporting. 

Equifax has repeatedly returned disputes as verified without supplying proof, without identifying the furnisher, and without correcting clearly inaccurate and outdated information. I am requesting CFPB assistance because the credit reporting agency is not following FCRA investigation, verification, or reporting requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
The account holder on the Newrez mortgage passed away on XX/XX/year>. Her son is in the process of selling the condo and the company has been anything but helpful! I am the daughter in law of the account holder. Her son, XXXX, has XXXX and is not doing well and is in no position to make any decisions. That is why I have a financial power of attorney over XXXX. We have sold the property ( cash offer ) and have been trying to get a payoff statement since XX/XX/XXXX. I have sent all the necessary paperwork in and am still waiting and was told if there were any questions, you could mail me a letter. That is unacceptable. In today 's day and age, email is how it should be sent. Everytime I call, I get a different person that is either rude or clueless and keep telling me to send in documentation which I have numerous times. They have horrible reviews everywhere and I can see why. Newrez is going to cost us selling my mother in law 's condo which is being paid for in cash. And as I mentioned above, the deceased son, my husband, has advanced XXXX and this money would really help with his medical expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am disputing the accuracy and legal validity of a collection account reported for XXXX XXXXXXXX, handled by XXXX XXXX XXXX XXXX ( XXXX ). The reporting raises concerns under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including the furnishers obligations under FCRA 602, 607 ( b ), and 623 ( a ), and the collectors obligations under FDCPA 807, 808, and 809 regarding verification and accurate representation of debt.

I was not provided any legally required documentation before this account was placed in collections. I never received a final account statement, a breakdown of charges, move-in or move-out inspection reports, billing records, or notification of an outstanding balance from XXXX  XXXX. The amount reported ( {$3900.00} ) exceeds the alleged original amount ( {$3200.00} ), and I was never given any documentation explaining this increase. 

The collector has also not supplied verification such as a signed lease agreement, a detailed ledger, inspection documentation, a lawful Date of First Delinquency, notice of balance, or evidence that I was informed of any alleged charges in compliance with state and federal requirements. Because neither the original creditor nor the collector has provided proper documentation, the information being reported appears incomplete, unverified, and possibly inaccurate. I am requesting full documentation or removal of the account if the company can not substantiate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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 am a victim of identity theft. Accounts, inquiries, and/or negative information were placed on my credit report without my knowledge or permission. 
I did not authorize these accounts or applications, and I have never signed any contract or agreement with this company. 
I requested proper validation and documentation proving that I opened or authorized these accounts. They failed to provide any real validation, only generic documents that do not link me to the account.

Under FCRA 605B, once a consumer submits an FTC Identity Theft Report, the furnisher and the credit bureaus are required to block and remove all fraudulent information within 4 business days.

I have submitted an FTC Identity Theft Report and provided identification, yet the company continues to report this information to the credit bureaus and has not corrected or removed it. 
This ongoing reporting is damaging my credit, causing denial of credit, higher interest rates, and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CFPB COMPLAINT PACKAGE Complainant : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX Email : XXXX Phone : XXXX To the Consumer Financial Protection Bureau, I am filing this formal complaint requesting immediate investigation into multiple issues with my credit reports across Experian, Equifax, and TransUnion. I am a documented victim of a violent crime in Texas, and my credit file contains several unauthorized hard inquiries, incorrect personal information, and reporting errors that are creating hardship and safety concerns for me and my family. 
I request the following : 1. Removal of all unauthorized hard inquiries from XXXX. 
2. Correction of any inaccurate addresses or personal information. 
3. Investigation and deletion of any accounts not initiated or approved by me. 
4. Protection of my consumer rights under FCRA, FDCPA, and identitytheft laws.

Credit bureaus have failed to correct these issues despite prior attempts. I fear for my safety and wellbeing as these inaccuracies affect my financial stability while I remain a victim of crime. 
Please take immediate action and compel the bureaus to correct and update my reports. 
Sincerely, XXXX 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 explanation
Consumer complaint received 2025-11-30 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:
CFPB COMPLAINT PACKAGE Complainant : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX Email : XXXX Phone : XXXX To the Consumer Financial Protection Bureau, I am filing this formal complaint requesting immediate investigation into multiple issues with my credit reports across Experian, Equifax, and TransUnion. I am a documented victim of a violent crime in Texas, and my credit file contains several unauthorized hard inquiries, incorrect personal information, and reporting errors that are creating hardship and safety concerns for me and my family. 
I request the following : 1. Removal of all unauthorized hard inquiries from XXXX. 
2. Correction of any inaccurate addresses or personal information. 
3. Investigation and deletion of any accounts not initiated or approved by me. 
4. Protection of my consumer rights under FCRA, FDCPA, and identitytheft laws.

Credit bureaus have failed to correct these issues despite prior attempts. I fear for my safety and wellbeing as these inaccuracies affect my financial stability while I remain a victim of crime. 
Please take immediate action and compel the bureaus to correct and update my reports. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Chime Financial Inc
State: CA

Complaint narrative:
I was scammed on XX/XX/XXXX for an amount of XXXX USD from the supposed XXXXS based seller of merchant name " XXXX XXXX XXXX XXXX XXXX  The category was apparel, using my Chime credit builder card ending in XXXX. I was promised clothes with a XXXX days wait time from ordering. I did not receive any shipping information, nor a confirmation email they promised me at purchase to the email I used. I contacted their support team with no response after a week. I escalated the situation to Chime, providing evidence through screenshots and no responses for my emails to the XXXX support team, and they denied my dispute two times without any specific explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
I had a scammed charge on my account on cash app. I reported all the info supporting my claim as well as opened a dispute with them. Which they have denied. I immediately reported the card stolen when I saw the charge. Cash app was the one who allowed the company to falsely withdraw the money. I never recieved any product or service for the money. The charge was XXXX $ i would like for someone to hold them accountable to the safety of my own account while my money was in thier possession. Can someone help me get this scammed money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: SC

Complaint narrative:
I borrowed {$50.00} and agreed to pay back {$50.00} with 2.5 % interest on XX/XX/year>. Cash app without my consent or formal knowledge takes money to payback the loan out of my account at their own discretion. They started repaying themselves without my knowledge 6 days after I agreed to the 30 day loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding is reporting an account under my name even though I never created any agreement with them. I did not sign any document that hands them control of my personal information. I did not authorize them to obtain, access, store, or use anything related to my identity. I had no communication with LVNV before they placed this account on my credit file, and they have not shown any proof that I selected them to handle anything connected to me.

I am not requesting statements, totals, or itemized balances. I am requesting proof that LVNV holds a direct contract with my signature. Under 15 U S C 1681e subsection b, anything reported must be supported by accurate and verifiable procedures. Reporting from a company that I never entered into an agreement with is not accurate.

Under 15 U S C 1681b, a company must have a lawful reason and consumer authorization before accessing any personal information. LVNV has not demonstrated any permission from me. Under 15 U S C 1692g, a collector m
ust be able to show a legitimate right to act in connection with a consumer. LVNV has not supplied anything proving that I gave them authority to represent, report, or manage anything involving my name. Under 15 U S C 1681i, when a consumer challenges an item, the company must provide documentation that supports the reporting. LVNV has not provided a document with my signature.

My background situation may involve past financial hardship, but none of that creates an agreement between me and LVNV. They keep repeating canned responses about a balance. That is not what I asked for. I am requesting proof that I authorized LVNV Funding to handle my personal data in the first place. They have not provided anything that shows I gave them permission to involve themselves with my credit file.

I did not choose LVNV Funding. I did not sign anything with them. I did not approve them. They have not shown any proof that they were granted access to my personal information, yet they reported on me anyway. This has damaged my credit and impacted my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Credit Management Company placed an account on my credit file even though I never formed any type of agreement with them. I did not sign anything that gives this company permission to receive, handle, or report my personal information. I never spoke with this company before they appeared on my report and I never selected them to manage anything involving me. 

I am not requesting a balance or an explanation of charges. I am requesting proof that this company holds a direct contract with my signature. Under 15 U S C 1681e subsection b, all information furnished to a credit bureau must come from verified and accurate procedures. Reporting from a company that has no signed agreement with me is not accurate.

Under 15 U S C 1681b, any company that accesses or uses my personal information must have a lawful purpose supported by consumer permission. Credit Management Company has not shown that I granted any type of permission. Under 15 U S C 1692g, a collector must demonstrate that it has a legitimate right to act on a consumer account. They have not provided anything establishing that I granted them authority to represent me or to report a
nything linked to my identity. Under 15 U S C 1681i, once a consumer challenges an item, the company must supply supporting documentation. Nothing has been presented that contains my signature or proves I authorized this company.

My past financial struggles, including medical concerns and housing issues, do not equal a contract with this collector. This company continues to recycle general statements that avoid the real question. I am requesting evidence that I personally allowed this company to take possession of my information. They have not provided anything that confirms my approval. 

I did not choose Credit Management Company. I did not sign anything with them. I did not authorize them to access or report my information. They have shown no proof of permission and yet they added this to my credit file. This has caused harm to my financial stability and my ability to recover.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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 disputed several items on my credit report, including an old bankruptcy and multiple accounts that are over seven years old. Equifax claimed these items were verified through XXXX. However, when I contacted XXXX directly, they confirmed they do NOT verify this information themselves and rely on a third-party system that publicly states data may be incomplete or inaccurate. This means Equifax did not actually verify the information with the source they claimed.

The accounts I am disputing are more than seven years old and are being illegally re-aged and reported as new monthly charge-offs, e
ven though they were paid and closed years ago. These items should have been permanently removed under FCRA 605 ( a ). Equifax continues marking them as accurate despite clear evidence they are not. 

I also disputed several inquiries that were the result of identity theft. I submitted FTC and XXXX reports, but Equifax has refused to remove the inquiries or provide documentation supporting their continued reporting. 

Equifax has repeatedly returned disputes as verified without supplying proof, without identifying the furnisher, and without correcting clearly inaccurate and outdated information. I am requesting CFPB assistance because the credit reporting agency is not following FCRA investigation, verification, or reporting requirements.

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