vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-04-17 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
They keep passing this XXXX account from different agencies and it has been included in my bankruptcy and it was paid in full thru bankruptcy I have tried to send them copys to show them but that keep asking me for a credit card and I have tried to dispute it several times from all three credit bureaus and even sent documents to prove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I am disputing the accuracy and validity of student loan accounts currently reported under my name and serviced by Nelnet. I have reason to believe my data was exposed in multiple confirmed breaches between XXXX, which directly or indirectly involve Nelnet and affiliated entities. These breaches include : Nelnet Servicing , LLC Breach reported XX/XX/XXXX XXXX XXXX, XXXX ( third-party to Nelnet ) Breach date XX/XX/XXXX XXXX XXXX XXXX, XXXX Breach reported XX/XX/XXXX Great Lakes Wealth, LLC Breach date XX/XX/XXXX University of XXXX XXXX XXXX XXXX XXXX Breach date XX/XX/XXXX These organizations are directly connected to the servicing or transfer of my student loans and education-related records. I submitted a formal FTC Identity Theft Report and mailed a dispute letter to Nelnet requesting : An audit of loan servicing records A complete chain of custody showing all transfers or consolidations Confirmation of breach exposure Suppression of credit reporting Protection for any cosigners, whose information may also have been compromised Despite this, I have not received the requested documentation or any clear validation of the loan accounts. I believe these loans were transferred and possibly modified during a period of compromised data integrity, which may have occurred without my informed consent or adequate security controls. 

I am requesting full removal of unverifiable and breach-related entries under FCRA Section 605B and an immediate halt to any adverse credit reporting for me or any involved cosigners.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal and continued dispute of the above-referenced account. It follows my initial request for debt validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). Your response dated XX/XX/year> did not provide adequate documentation to validate the alleged debt. Therefore, collection activity must cease until full validation is received. 

Inadequate Validation Received The billing statements and summary you provided do not constitute full legal validation. To comply with federal law, you must produce the following : A complete breakdown of the claimed balance, including how it was calculated ; A signed contract or credit application that shows a legal obligation between myself and the original creditor ; A full chain of assignment, including the date and method of transfer to LVNV Funding LLC ; A copy of the Forward Flow Agreement or any Purchase and Sale Agreement that lawfully transferred ownership of this account to the current debt owner ; If applicable, any media, including call logs, digital communications, or correspondence, used to attempt collection or claim the alleged debt.

Legal Dispute of the Debt and Credit Reporting This letter also serves as a formal dispute under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ). If you are furnishing information to any consumer reporting agencies, you are legally required to report the account as disputed. In addition, I am requesting that you : Disclose the method of verification used if the tradeline was verified with any credit bureau, as provided under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ; Immediately delete the tradeline associated with this account from Equifax, Experian, and TransUnion unless and until proper validation has been furnished.

My Formal Demands Immediately cease all collection activity, including calls, letters, and reporting ; Provide the full legal validation and documentation listed above within 15 calendar days of receipt of this letter ; Delete the tradeline from all credit bureaus due to unresolved dispute and unvalidated debt ; Provide written confirmation that the account is either fully validated or has been withdrawn and deleted.

Legal Rights Reserved This letter is being sent pursuant to the FDCPA and FCRA. All rights reserved. This is not an admission of liability or acknowledgment of any debt. I reserve the right to pursue legal action, and to initiate arbitration under the original credit agreement should unlawful reporting or collection efforts persist.

Failure to comply may result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), California Attorney Generals Office, and possible legal action for violations of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
In XXXX, I returned the rented instrument to XXXX XXXX XXXX, closing any further obligation on the account. Despite this, XXXX is still reporting an account on my credit file as open with a balance of {$540.00} and marked as 180 days past due. 

On [ XX/XX/XXXX ], I mailed a certified letter to XXXX requesting full validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). The company failed to respond to this request. I have a certified mail receipt proving delivery. 

It is now over 30 days since they received my validation request, and they have neither validated the debt nor corrected the inaccurate information on my credit file. They continue to report the account as open and delinquent, which violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the Consumer Financial Protection Bureau take action to require XXXX to either properly validate the debt or remove the account from my credit report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-17 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MA

Complaint narrative:
That on XX/XX/year>, while reviewing my XXXX, Experian and XXXX  Consumer Reports I noticed XXXX ( XXXX ) fraudulent accounts that I did not authorize. Also XXXX ( XXXX ) unauthorized Hard Inquiries. Fraudulent Accounts : XXXX XXXX opened XXXX. XXXX XXXX XXXX  XXXX XXXX opened XXXX. XXXX XXXX XXXX  opened XXXX. XXXX XXXX, XXXX opened XXXX. XXXX XXXX opened XXXX. XXXX opened XXXX. XXXX XXXX  opened XXXX. XXXX XXXX opened XXXX. XXXX XXXX XXXX  XXXX opened XXXX. 
XXXX XXXX XXXX XXXX opened XXXX. XXXX XXXX XXXX XXXX  opened XXXX. Unauthorized Inquiries : 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 XXXXXXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I've attached a list of the hard inquiries in question as well as a copy of the EXPERIAN consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, charge-offs and hard inquiries are the result of identity theft and fraud.

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 2025-04-17 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:
Subject : Dispute of fraudulent XXXX XXXX- Identity Theft Notification To Whom It May Concern, I am writing to formally dispute the validity and ownership of one or more XXXX XXXX currently reported under my name. I am a victim of identity theft and did not apply for any XXXX XXXX during my time at XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

During XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, leaving no need to apply for any XXXX XXXX Furthermore, my wallet was stolen, and with it, my Social Security number and other personally identifiable information. I have strong reason to believe that this information was used by an unauthorized individual to fraudulently obtain XXXX XXXX using my identity. 

Of particular concern is a loan that was reportedly disbursed around XX/XX/year>. At that time, I was wXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  where this loan originated. 

Upon reviewing the documents associated with these loans, I have noticed that none of them contain my actual signature. Instead, they display only typed versions of my name, which further supports my claim that I did not authorize or request these funds. 

This situation has had a severe and negative impact on my credit score and good financial standing. I have always maintained responsible credit behavior, and these fraudulent loans are now affecting my ability to qualify for housing, financing, and other essential services. 

I respectfully request a full investigation into this matter and the immediate removal or correction of any inaccurate or unauthorized loan information from my credit report. 

Thank you for your attention and assistance in resolving this serious issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
Subject : Dispute of fraudulent XXXX XXXX  Identity Theft Notification To Whom It May Concern, I am writing to formally dispute the validity and ownership of one or more XXXX XXXX  currently reported under my name. I am a victim of identity theft and did not apply for any XXXX XXXX during my time at TXXXX XXXX XXXX XXXX XXXXXXXX XXXX 

During my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX leaving no need to XXXX XXXX XXXX XXXX XXXX. Furthermore, my wallet was stolen, and with it, my Social Security number and other personally identifiable information. I have strong reason to believe that this information was used by an unauthorized individual to fraudulently obtain XXXX XXXX using my identity. 

Of particular concern is a loan that was reportedly disbursed around XX/XX/2020. At that time, I was working full-time and had never XXXX XXXX XXXX XXXX XXXX XXXX  where this loan originated. 

Upon reviewing the documents associated with these loans, I have noticed that none of them contain my actual signature. Instead, they display only typed versions of my name, which further supports my claim that I did not authorize or request these funds. 

This situation has had a severe and negative impact on my credit score and good financial standing. I have always maintained responsible credit behavior, and these fraudulent loans are now affecting my ability to qualify for housing, financing, and other essential services. 

I respectfully request a full investigation into this matter and the immediate removal or correction of any inaccurate or unauthorized loan information from my credit report. 

Thank you for your attention and assistance in resolving this serious issue. 

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 2025-04-17 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:
Subject : Dispute of fraudulent XXXX XXXX- Identity Theft Notification To Whom It May Concern, I am writing to formally dispute the validity and ownership of one or more XXXX XXXX currently reported under my name. I am a victim of identity theft and did not apply for any XXXX XXXX during my time at XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

During my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, leaving no need to apply for any sXXXX XXXX Furthermore, my wallet was stolen, and with it, my Social Security number and other personally identifiable information. I have strong reason to believe that this information was used by an unauthorized individual to fraudulently obtain student loans using my identity. 

Of particular concern is a loan that was reportedly disbursed around XX/XX/year>. At that time, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where this loan originated. 

Upon reviewing the documents associated with these loans, I have noticed that none of them contain my actual signature. Instead, they display only typed versions of my name, which further supports my claim that I did not authorize or request these funds. 

This situation has had a severe and negative impact on my credit score and good financial standing. I have always maintained responsible credit behavior, and these fraudulent loans are now affecting my ability to qualify for housing, financing, and other essential services. 

I respectfully request a full investigation into this matter and the immediate removal or correction of any inaccurate or unauthorized loan information from my credit report. 

Thank you for your attention and assistance in resolving this serious issue. 

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 2025-04-17 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
RE : formal dispute of inaccurate credit reporting under FCRA and consumer law To whom it may concern, I am writing to formally dispute an accurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerning regarding XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against experience, the CFPB alleged that the company engaged in XXXX investigations violating consumer protection law by failing to meet the obligations of the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), experience is required to conduct a thorough and reasonable investigation of disputed idols within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information filed to be inaccurate, incomplete, or unverifiable must be properly deleted or corrected. Fail to adhere to these requirement constitutes a violation of federal law.

I hear by request that experience : 1. Conduct a thorough investigation of the following dispute accounts or items 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is in accurate, as mandated by law. Given the recent XXXX findings, I expect experience to handle this dispute with the utmost seriousness and compliance with the legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate investigation. 
If experience fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the XXXX and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

Company response to consumer: Closed with explanation