vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the inaccurate reporting of my XXXX XXXX XXXX account ( opened XX/XX/XXXX ). My report lists it as Charged off as bad debt, but this is inaccurate. 

The account shows a closed date of XX/XX/XXXX yet lists payment activity from XXXX, which is inconsistent and unverifiable. Additionally, the payment history is not reported uniformly across all three bureaus, violating FCRA 607 ( b ). 

Please conduct a reinvestigation and remove or correct the charge-off notation. If XXXX can not verify the account within 30 days under FCRA 611 ( a ) ( 1 ), it must be deleted. 

Sincerely, 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 2025-10-18 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: TX

Complaint narrative:
I am submitting as a consumer who has carefully reviewed my credit report and identified an inaccuracy that is negatively impacting my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, I am exercising my right to dispute erroneous information and request a reinvestigation to ensure my credit file reflects the maximum possible accuracy. 
The account in question is reported as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely frustrated to see that the inaccurate late payments are still appearing on my credit report today. I have refreshed my browser several times, yet nothing has changed. Please review the documents I sent carefully so this issue can finally be resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : This letter is a formal request under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ) for the description of the procedure used to verify an account listed by XXXX XXXX XXXX on my Experian credit report.

I previously disputed this account, and Experian responded that the item was verified. I am requesting : 1. The method and process Experian used to verify the accuracy of this account ; 2. The name, address, and telephone number of the furnisher or person Experian contacted for verification ; 3. A detailed description of all documentation or electronic systems used to determine that this account was accurate.

Under FCRA 611 ( a ) ( 7 ), Experian is required to provide this information within 15 days of receiving this request.

If the furnisher did not provide actual documentation proving the accounts accuracy, please remove this entry from my report immediately, as continued reporting would violate FCRA 607 ( b ) and 611 ( a ) ( 5 ) ( A ). 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX 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 2025-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against LVNV Funding LLC, care of Resurgent Capital Services L.P., XXXX. XXXX XXXX, XXXX, SC XXXX, regarding an alleged debt collection matter that I dispute in full. 

I received a debt collection notice from this company for a debt that does not belong to me. Upon receipt, I promptly submitted a Debt Validation and Cease and Desist request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, disputing the validity of the alleged debt and requesting verification and supporting documentation.

Despite this, the company has : Failed to provide proper validation or documentation confirming that I am the correct debtor. 
Continued or attempted to pursue collection activity without verifying the debt.

Potentially accessed or reported information to the credit bureaus without permissible purpose, which may constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

This situation also involves identity theft, for which I have filed police reports and taken appropriate actions to protect my credit and identity. I believe LVNV Funding LLC / Resurgent Capital Services has acted in violation of both federal and state consumer protection laws by attempting to collect a fraudulent or misattributed debt. 

I request that the Consumer Financial Protection Bureau : 1. Investigate the actions of LVNV Funding LLC / Resurgent Capital Services regarding this account.

2. Require the company to provide full documentation supporting its claim or to cease all collection and credit reporting activity related to this alleged debt.

3. Ensure deletion of any negative or disputed information this company has placed on my credit reports.

4. Hold the company accountable for any violations of the FDCPA or FCRA uncovered during the investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX With " PHH MORTGAGE '' First of all, I have applied several times for a loan modification, they never accepted my signature saying it never matched my loan. 

XX/XX/2025 I received a letter saying my account is now elegible for modification no more signature needed, why did they asked me several times to submit signatures only to say no documents are needed for modification. Make my mortgage current by paying or contacting them on or before XX/XX/2025 which I did even if the first payment of the new modified loan is to begin on XX/XX/2025. Which is confusing. 
XX/XX/2025 received another letter from them saying my mortgage is now being foreclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: EQUIFAX, INC.
State: MO

Complaint narrative:
b'I got a virtual card via email from the 2024 Equifax Settlement and I have tried using the card multiple times since. I have activated it. Every time I try to use it online, it gets automatically declined. I have tried using it with card number and also using via XXXX XXXX XXXX Same problem.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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:
statement of facts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Date of Birth : XXXXXX/XX/XXXX Last 4 Digits of SSN : XXXX ] XX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : Request for Removal of Unauthorized Hard Inquiry To Whom It May Concern, I am writing to formally dispute the presence of the following hard inquiry on my credit report, as it contains data taken directly from my credit file without my verifiable authorization. 

Hard Inquiry Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX This inquiry is unverified and lacks the legally required certifiable evidence of my consent. According to U.S. Code Title 15 1681b and Section 604 of the Fair Credit Reporting Act ( FCRA ), no party may access a consumer 's credit file without proper authorization. Please delete this unconfirmed inquiry unless you can provide physically certified, verified proof that I granted permission for this inquiry.

Once the request has been fulfilled, please send me an updated credit report reflecting these changes.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : There has been no late, nor delinquent payments to US Department of Education on student loans, yet, XXXX XXXX XXXX XXXX  continues to report late, delinquent payments for XXXX XXXX, & XX/XX/XXXX knowing that information is inaccurate. Refiling COMPLAINT ( XXXX ) for removal, because XXXX is defiantly refusing to comport with 15 USC 1692, 1681. 

DEMANDING XXXX BE REMOVED FROM COMPLAINT, AS THE REPORTING OF DELINQUENT PAYMENT XX/XX/XXXX & XX/XX/XXXX IS AN OVERT ERROR, MANDATING CORRECTION. THERE IS AND WAS NOT LATE PAYMENTS. FACT IS : XXXX IS IN DIRECT VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692, & FEDERAL CONSUMER FINANCIAL PROTECTION ACT OF 2010 ( CFPA ). AS XXXX  a loan servicer, IS ENGAGING IN UNLAWFUL, UNFAIR, PREDATORIAL, DECEPTIVE, ABUSIVE ACTS & PRACTICES [ XXXX ] AND THEIR ADVERSE REPORTING CONSTITUTES FRAUD, ABUSE, TARGETED EXPLOITATION, AND EXTORTION. I AM DISPUTING XXXX ADVERSE CREDIT REPORTING AND DEMANDING RETRACTION OF SUCH REPORTING BE MADE TO ALL XXXX CREDIT BUREAUS ( XXXX XXXX XXXX XXXX XXXX 

I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 


Best, XXXX XXXXXXXX XXXX XXXX PHONE : XXXX EMAIL ( XXXX ) : XXXX AND XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-10-18 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: AR

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Medical bills I have tried to get help with because of low income are showing up on my credit report from Credit Management. 
Made several attempts to contact them and I had asked for paperwork from the hospital and providers and they told me they would send me the paperwork and they have not sent it or responded to my requests for it, yet they sent it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
In my loan agreement, there is an extended warranty contract that was canceled on XX/XX/year>. This agreement contract payment is included in my overall principle balance that should be issued a refundand redact out of my total finance owed to creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Several unauthorized inquiries on credit profile suspect fraud Please remove the below unauthorized credit profile XXXX Equifax XX/XX/year> XXXX XXXX XXXX Equifax XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
THIS IS MY FIRST EVER REFUND REQUEST FROM CHIME.... EVER Alright so on XX/XX/year> I made a handful of purchases for a game that I played a lot called XX/XX/XXXX I made the purchases then looked at what I actually got and realized of the like 15 or so packs and items that I had paid for, I only got like 3 or 4 of them in game. Obviously, I was angry and then spent the rest of that night trying to fine the merchants contact info. When I was unable to find anything in the game about refund info I then waited till morning and called my bank ( CHIME ) the minute I knew they were answering the phone I called them and they said that it would be no problem to start a dispute. They asked me to send them proof and screenshots of the game and the purchases. I sent in at least 7 screenshots and they Said that those were perfect and that it should be no issue for their investigation team to take care of everything fast. I logged in to the game the day after to see if there was anything that could help with the dispute. No I open the game and it starts the game intro, which means That they removed my account and all my items that earned for weeks and months and my name in-game is gone. Then like a week or two later I look at my email and see " dispute has been denied ''. I called them and told them everything and then spent 3 hours almost on the phone with them and asked them to re-open the dispute. They did and here we Are like 2-5days later and once again they denied it. For the record every time I called them I was respectfully and calm. The also had the audacity to say that I qualified for credit or a loan for some money while they processed the dispute, and then never sent me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00}

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 non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Follow-Up Complaint Reference to Original CFPB Complaint ID # XXXX I previously filed a complaint with the CFPB and Experian regarding inaccurate reporting of a XXXX XXXX XXXX  / XXXX XXXX XXXX tradeline . The tradeline remains even though XXXX confirmed in writing that the account was sold to XXXX XXXX XXXX on XX/XX/year>, and that XXXX is no longer the creditor of record. 

XXXX investigation did not correct the error and no verification documentation was provided. This violates 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ). 

I request that the CFPB and Experian rely on all documentation previously submitted under Complaint ID # XXXX. I am not submitting new attachments at this time. This is a notice of continuing inaccuracy and reservation of rights to pursue arbitration if the issue persists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: CO

Complaint narrative:
I have no idea what happen i went to look at my account and it was closed been trying for two months to figure out why and to reopen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues with their fake investigations using XXXX XXXX but brings back wrong information no integrety on account being reported without documentation from furnisher...... 

XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Digit SSN : XXXX XXXX XXXX, XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Dispute of Late Payment on Credit Report Request for Investigation To Whom It May Concern, I am writing to formally dispute the reporting of a late payment on my credit report. Please investigate the accuracy of the information i have not been late, related to the following account : Account # XXXX Account Name : XXXX XXXX XXXX I request that you provide me with documentation or verified proof of the alleged late payment. If you are unable to provide or lack such evidence, I respectfully request that you update the payment history to show the account as " paid as agreed '' or " never late '' in accordance with the Fair Credit Reporting Act ( FCRA ). 

Additionally, please provide a detailed description of all procedures used in your investigation to determine the accuracy and completeness of this information. 

Once your investigation is complete, I request that you send an updated copy of my credit report reflecting any necessary changes to the address listed above. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-10-18 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: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I had a XXXX XXXX  XXXX in XXXX of XXXX  and they charged me for two different anesthesia from the same company they only did one procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When XXXX XXXX closed my credit card account, they never provided me with a new repayment schedule or due dates. For the first month, I was completely unable to log in to my account to see any payment information. 

I called after receiving a late payment alert and was told the delinquency was due to an overdraft. However, the representative could not tell me what my new monthly payment amount was or when it was due. When I eventually regained access to the app, it showed no amount due, which caused further confusion. 

Despite being unable to use the card or clearly see my payment obligations, XXXX XXXX continued to charge interest and reported late payments to the credit bureaus. This situation was out of my control, and I made multiple attempts to resolve it with their customer service without receiving clear or timely answers. 

This inaccurate reporting and lack of communication have negatively impacted my credit score, and I believe it is unfair to penalize me when I was not provided with the proper repayment information.

Company response to consumer: Closed with explanation