vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name XXXX  is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-31 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: AZ

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: NC

Complaint narrative:
It has come to my attention that my personal information was compromised in a national data breach. Upon reviewing my credit reports, I identified several accounts that I do not recognize or authorize. 

I have submitted requests to the credit reporting agencies ( CRAs ) for validation of these debts ; however, no supporting documentation has been provided to date. As a result of this breach and the presence of unfamiliar accounts, I have filed a complaint with the Federal Trade Commission ( FTC ) to report the suspected identity theft. 

Attached is a copy of my government-issued identification for verification purposes. Please investigate these accounts and remove any unverifiable or fraudulent information from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NC

Complaint narrative:
XXXX has 3accounts on my credit report that is not reporting due the XXXX  shutting them down for not having a license to collect in the state on NC. I got 4 of the accounts removed due to the statute of limitations is 3 years on the credit report these should be included. The Attorney is trying to sue me for debts that they brought which is past the statute of limitations and I violation. I got the paperwork sometime in XXXX, is it legal to have accounts just sitting on my credit report and not reporting at all and the answer to they give the XXXX is always the same. With no verification i am tired of fighting this. Its just not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Self Financial Inc.
State: NJ

Complaint narrative:
15 U.S. Code 1666b, part of the Truth in Lending Act ( TILA ), outlines the timing of payments for open-end consumer credit plans, primarily addressing credit card billing practices. It dictates that creditors can not treat a payment as late unless they've taken specific steps to ensure timely notification and payment processing.i have didnt receive any noticed of a possible late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Request a validation of the original agreement with my signature on it with lvnv funding llc. 15 u.s code 1681s-2 it a chargeoff which means it shouldn't show no remaining balance but XXXX it show a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, a {$340.00} charge from XXXX posted to my Capital One account. I had opened a XXXX account over a year ago but never used it, launched a store, or received any value. I was unaware the account would auto-renew. I never received or acknowledged any renewal notice. 

When I saw the charge, I immediately logged in using the old email and attempted to cancel, but the mobile site provided no clear cancellation option. I also contacted XXXX support but was routed to an AI bot and could not reach a real person. 

I filed a dispute with Capital One. I submitted a written explanation and supporting screenshots, but my case was denied. Capital One claimed I didnt provide sufficient information even though the charge was not authorized, I received no service, and XXXX XXXX cancellation inaccessible. 

This charge violates the Fair Credit Billing Act ( 15 U.S. Code 1666 ), Regulation Z ( 12 CFR 1026.13 ), and FTCs ROSCA, which requires businesses to provide clear cancellation for recurring charges. 

I am requesting Capital One reverse the charge and block XXXX from billing my card going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  Ny XXXX XX/XX/year> Account Information : Creditor Name : Portfolio Recovery Associates Account Number : XXXX Amount : {$1500.00} Subject : Request for Debt Validation under FDCPA Dear Portfolio Recovery I am writing in response to a notice I received from your office regarding an alleged debt ( Account No : [ Insert Account Number, if known ] ). This letter is not a refusal to pay, but a request that you provide full validation and verification of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

Please provide the following information : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A copy of the original contract or agreement bearing my signature or any agreement that you believe makes me liable for this debt ; 4. A complete payment history showing how the alleged amount was calculated ; 5. Verification that you are legally authorized to collect on this debt in the State of New York ; 6. The name and address of the current creditor if different from the original ; 7. A copy of your license to collect debts in New York.

Under the FDCPA, you are required to cease collection activity until you provide proper validation of this debt. Reporting this debt to the credit bureaus without validating it may be a violation of federal law.

Please note that I am requesting this debt be removed from my credit report until proper validation is completed. This request is being made pursuant to my rights under the FDCPA, and any failure to respond accordingly will be documented and reported to the appropriate authorities. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent you a written request to validate my debt having account on XX/XX/XXXX. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, I have received no reply from you except the confirmation ( by mail ) that you did receive my request for validation of debt on XX/XX/XXXX However, the credit bureaus have already sent in their " verified '' documents. 

As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. I hereby notify that you are now in violation of the FDCPA and subject to a fine of {$1000.00} ( refer to the Act for the updated value ), which I can collect by filing a claim in the small claims court. I intend to follow through with the claim if I don't hear back from you within the next 15 calendar days. 

This letter is to remind you that reporting such invalidated information to the credit bureaus can result in defamation of character, as any negative marking on my credit report would adversely affect my credit. I hope your legal staff will agree that non-compliance with this request could lead your company to serious legal trouble with the FTC and other state/federal agencies. 

Please remove the following items from my credit report, immediately : Transunion * * * * * XXXX XXXX {$2400.00} Account Info Account number XXXX Open/Closed Closed Date Open XX/XX/XXXX XXXX XXXX {$10000.00} Account Info Account Number XXXX Open/Closed Closed Date Open XX/XX/XXXX THE BUREAUS {$710.00} Account Info Account Number XXXX Open/Closed Open-Outstanding Date Open XX/XX/XXXX XXXX XXXX {$690.00} Account Info Account Number XXXX Open/Closed Open-Outstanding Date Open XX/XX/XXXX Equifax * * * * * XXXX XXXX {$2400.00} Account Info Account number XXXX Open/Closed Closed Date XXXX XX/XX/XXXX XXXX XXXX {$10000.00} Account Info Account Number XXXX Open/Closed Closed Date Open XX/XX/XXXX THE BUREAUS {$710.00} Account Info Account Number XXXX Open/Closed Open-Outstanding Date Open XX/XX/XXXX Experian * * * * XXXX XXXX XXXXXXXX XXXX {$2400.00} Account Info Account number XXXX Open/Closed Closed-Charge Off Date Open XX/XX/XXXX XXXX XXXX {$10000.00} Account Info Account Number XXXX Open/Closed Closed Date Open XX/XX/XXXX XXXX  XXXX XXXX {$710.00} Account Info Account Number XXXX Open/Closed Open-Outstanding Date Open XX/XX/XXXX XXXX XXXX  XXXX {$690.00} Account Info Account Number XXXX Open/Closed Open-Outstanding Date Open XX/XX/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 2025-05-31 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: PA

Complaint narrative:
I went online applied to XXXX XXXX for a mobile home loan. Next my phone blow up. With representatives calling to help with loan a lady reach me by phone she went over application got all details of applying for a mobile home loan the address the park and said ok do you give me permission to run your credit? I said yes she so ok now the loan representative will reach out to you he called me and we went over the information I gave him the address again and he said is this in a park? I said yes he said oh Im sorry we dont do loans in community parks only if there on land. I said what? He said it has to be on land but we could get you approved for a house he had me on the phone for a couple minutes then I hung up very upset. First because I couldnt get the mortgage next why didnt the female tell me this from the beginning got my hopes up and then you run my credit and you as a company know you dont do them mortgages its not right. I contact credit services they gave me three numbers to call the company I finally on friday the XXXX got a manager on the phone I explain it all to him he said you approved us running your credit I said for a mobile home loan in a park your loan representative said you cant do them loans. You should not be running peoples credits if you cant provide the services they are applying too. He ask for the address and said no we cant but he will pull the phone records and call me back and never did. This is not right I want the hard inquiry off my credit they should of never ran my credit knowing they could not provide the services and they need to train there employees better because they are very very rude

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Home Loan Center, Inc.
State: PA

Complaint narrative:
I copied and pasted debt validation letter, which is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
.I am being victimized and my credit score is being targeted by a group, someone, or a entity... Whenever my credit score gets close to establishing good credit A group, someone, or a entity is filing and submitting fraudulent information. When I prove that the account is not mine the credit bureau does not fix my credit. my credit score has dropped over XXXX points within the last 6 months due to error...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) nee
ds to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXXXXXX XXXX XXXX XXXX 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  Balance : {$2400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8400.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4700.00} ; XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XXXX XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: AZ

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap!

FRAUDULENT ACCOUNTS : Account Name : XX/XX/XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXX/XX/XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XX/XX/XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXX/XX/XXXXXX/XX/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 2025-05-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am being victimized and my credit score is being targeted by a group, someone, or a entity... Whenever my credit score gets close to establishing good credit A group, someone, or a entity is filing and submitting fraudulent information. When I prove that the account is not mine the credit bureau does not fix my credit. my credit score has dropped over XXXX points within the last 6 months due to error...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
XXXX is XXXX XXXX 
Funds meant to arrive in minutes have been in transit for XXXX hours with no way to cancel, amend, or retrieve them, while my loved one desperately waits in crisis. 
This isnt just bad service. Its DANGEROUS AND INFURIATING FOR HARD WORKING INDIVIDUALS. 
EMERGENCY TRANSFERS ARE MEANT TO BE SUCH!!! KNOW YOUR CUSTOMERS AND THEIR NEEDS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

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