vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: DE

Complaint narrative:
Please provide me how you conducted your investigation. Show me each piece of paper i asked for thats listed in my letter if you can't do show you are required to delete each account listeded in my dispute according to FCRA law

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 2025-06-08 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. According to 15 usc 1681 I have the to dispute inaccurate and unverified information on my credit report. I disputed multiple times with the credit bureaus and the company failed to send me any of the information I requested. Also no verification of debt, the original contract bearing my signature and or explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Incorrect Address on Credit File Dear TransUnion, I am writing to formally dispute inaccurate information on my credit report. Specifically, the report lists an address that does not belong to me. This incorrect address is XXXX XXXX XXXX, XXXX, FL, XXXX. 
I believe this information is inaccurate because I have never lived at this address. I request that this incorrect address be removed from my credit file immediately. 
To assist in the investigation, I have enclosed the following documents : 1. A copy of my government-issued ID.

2. A copy of my recent XXXXXXXX XXXX bill confirming my current address. 
3. A copy of my credit report with the incorrect address highlighted.

Please investigate this matter and correct the error promptly. I request written confirmation once the address has been updated. Additionally, if the investigation does not resolve the dispute in my favor, please provide a detailed explanation of your findings and a copy of the evidence used to support your decision. 
I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Copy of ID Proof of current address Highlighted credit report

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 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I submitted a payment with American Express but did not realize it was to the wrong account. When I noticed this and tried to change it, they would not change the account being billed and billed it two more times. Leaning to returned payment fees with my bank and inability to use my flight points from AMEX. I called multiple times trying to pay the balance and they would not allow me to pay until they had attempted to charge the initial account a total of 4 times. I transferred money into the correct account and re-submitted the payment, but am still unable to use my flight points. I feel that this system has made it exceedingly difficult to pay my debt when I made a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
To Whom It May Concern : This letter serves as my formal response to the correspondence submitted by Resurgent Capital Services L.P. dated in response to CFPB Case # XXXX. I am writing to dispute the validity of the alleged debts referenced above. 

While Resurgent has provided account statements and general summaries, they have failed to provide sufficient legal proof that LVNV Funding, LLC has the authority to collect these debts. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am entitled to : 1. Verification of the original debt, including a copy of the signed original contract or agreement bearing my signature ; 2. Proof that LVNV Funding, LLC legally owns the debt, such as a chain of title or purchase and sale agreement showing the transfer of the account from the original creditor to LVNV ; 3. The name and address of the original creditor, along with a complete payment history and breakdown of charges leading to the current balance ; 4. The exact method and date of debt validation, if previously completed. 

Statements and account summaries do not constitute legal verification. As held in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), debt buyers must provide sufficient documentation to verify that the debt is accurate and collectible. 

Additionally, per 15 U.S.C. 1692e, it is a violation of federal law to falsely represent the character, amount, or legal status of any debt. Until the aforementioned documents are produced, I do not acknowledge any liability or obligation to LVNV Funding, LLC or Resurgent Capital Services.

As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, any debt reported to credit bureaus must be accurate and verifiable. Since the validity of the debts remains unproven, I demand that these tradelines be removed or updated to reflect the dispute in full. 

Please be advised that any further attempt to collect on these alleged debts without proper verification constitutes a willful violation of federal consumer protection laws. 

Furthermore, I reserve my rights under the FDCPA 805 ( c ) to request that you cease further communication with me regarding these alleged debts unless it is to provide the documentation I have lawfully requested or to notify me of legal action.

Should these requests not be fulfilled within 30 days of the date of this letter, I will escalate this matter with regulatory agencies and may consider legal remedies as appropriate. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NC

Complaint narrative:
I applied for the IDR repayment plan in XXXX. MOHELA posted that anyone who had an application in would automatically be in deferment mode/forbearance while they were waiting for further instructions form the government. 

I also started school back and my loans should be in forbearance and they still have not done this. And I have been charged unnecessary late fees and they are putting me in default when I should not be. 

They never respond to communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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 this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX ) - XXXX XXXX  XXXX # XXXX, XXXX ) -XXXX XXXX  XXXX, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Equifax Information Services LLC has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
XXXX. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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 this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX ) - XXXX XXXX  XXXX # XXXX, XXXX ) -XXXX XXXX  XXXX, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Equifax Information Services LLC has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
XXXX. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
LEGAL DEPARTMENT To whom it May Concern ACCOUNT NAME : MIDLAND CREDIT MANAGEMENT ACCOUNT XXXX Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practice Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that your office has or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX ), this action might constitute fraud under both Federal and State laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Original agreement that bears the original signature of the alleged debtor where in he/she agreed to pay the creditor.

3. Any insurance claims have been made by any creditor regarding this account.

4. Any Judgements obtained by any creditor regarding this account.

5. Name and address of alleged debtor.

6. Alleged account number.

7. Address on file for alleged debtor.

8. Amount of alleged debt.

9. Date this alleged debt became payable.

10. Date of original charge off or delinquency.

11. Verification that this debt was assigned or sold to creditor.

12. Complete accounting of alleged debt.

13. Commission for debt collectors if collection efforts are successful.

14 Proof of license to collect Debts in the state of Florida which you must be licensed. 

Please provide the name and address of the bonding agent for MIDLAND CREDIT MANGEMENT in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 business days for processing after I receive this information back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Request for Immediate Investigation Account Name : XXXX XXXX XXXX  Account Number : XXXX Note : Please disregard the previous submission sent on XX/XX/XXXX, in error. It mistakenly listed XXXX XXXX XXXX as the consumer. This is the correct dispute for XXXX XXXX, XXXX ending in XXXX, XXXX XX/XX/XXXX. 

Dear XXXX  and Equifax, I am formally disputing inaccurate and inconsistent reporting on my credit file concerning the above-mentioned account. This dispute is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which grants me the right to dispute any information I believe to be inaccurate or incomplete. 

Disputed Inconsistencies EQUIFAX & XXXX  Term Source Listed as blank for both bureaus, which violates FCRAs completeness requirement. 

Most Recent Adverse Rating Equifax reports No data available, while Experian reports Collection/Charge-Off. 

Payment History Not available on either report, despite derogatory status being shown. 

Status Equifax lists Refinanced, while Experian reports Charge-Off a significant contradiction. 

These discrepancies are materially misleading and fail to meet the FCRAs mandate for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). 

Request for Action Conduct a full reinvestigation under 15 U.S.C. 1681i ( a ). 
Remove or correct any inaccurate, incomplete, or unverifiable information. 
If verified as accurate, provide the Method of Verification ( M.O.V. ) under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Legal Grounds FCRA 1681e ( b ) : You are obligated to maintain procedures ensuring maximum possible accuracy. 
FCRA 1681i ( a ) : You must investigate and delete or correct inaccurate or unverifiable information. 
FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : I have the right to request the method used to verify the accounts accuracy.

Supporting Case Law Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : CRAs must go beyond the furnisher if inconsistencies are found.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Inconsistent data is considered inaccurate.

Koropoulos v. Credit Bureau , Inc., 734 F.2d 37 ( D.C. Cir. 1984 ) : Even technically correct data that misleads can violate the FCRA.

Response Timeline Please complete your investigation and send a written response within the XXXX-day period as required by law. 

Enclosures Copy of my State ID ( for identity verification ) Copy of my bank statement ( proof of address ) Highlighted credit report ( showing the disputed inconsistencies ) Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
It seems someone got an apartment in my name that I had no knowledge of and never lived at. I was XXXX at the time this lease was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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 seems someone got an apartment in my name that I had no knowledge of and never lived at. I was XXXX at the time this lease was opened.

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 2025-06-08 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: MD

Complaint narrative:
The letter was send out in XXXX. they responded with a letter saying verified. I asked for proof and the method of verifaction and the did not send that information.

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 2025-06-08 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: MD

Complaint narrative:
The letter was send out in XXXX. they responded with a letter saying verified. I asked for proof and the method of verifaction and the did not send that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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 submitted a formal dispute to [ Equifax ] on [ XXXX ] regarding inaccurate, incomplete, and unverifiable information in my credit report, including incorrect personal information ( name variations, addresses, phone numbers ), unverifiable accounts ( e.g., XXXX XXXX collection ), and excessive unauthorized hard inquiries.

Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable reinvestigation within 30 days and delete unverifiable information. To date, I have not received a satisfactory response or updated credit report, which is a direct violation of my consumer rights. These inaccuracies are negatively impacting my credit score and ability to secure credit or funding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
SEE PREVIOUS COMPLAINT =NO CORRECTIN TO MY CREDIT REPORT INSTEAD BELOW IS TODAY 'S SAME CANNED NONRESPONSE EQUIFAX HAS BEEN SENDING FOR YEARS XX/XX/year> The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company.

Company response to consumer: Closed with explanation