vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the student loan debts reported under my name, associated with the following account numbers : - Account # XXXX, opened XX/XX/XXXX, with a balance of {$3400.00} - Account # XXXX, opened XX/XX/XXXX, with a balance of {$2200.00} - Account # XXXX, opened XX/XX/XXXX, with a balance of {$520.00} I hereby request a comprehensive investigation and verification of these debts, in accordance with the Gramm-Leach-Bliley Act ( GLBA ), which pertains to the protection and privacy of my personal financial information, as well as the Fair Credit Reporting Act ( FCRA ), which governs the accuracy and fairness of credit reporting.

Please provide complete documentation to validate the legitimacy and ownership of these debts. This should include, but not be limited to, the original loan agreements, detailed payment histories, and any documentation related to the assignment or transfer of these loans.

Should you be unable to verify these debts or identify any inaccuracies in your records, I demand the immediate deletion or correction of this information from my credit report and all related records.

I expect your response within the statutory timeframe of 30 days, as mandated by the FCRA. Kindly send all correspondence to the address noted above.

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 2025-09-23 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: CA

Complaint narrative:
I have recently reviewed by credit report, I was shocked to learn I was a victim of Identity theft. I found the account in collections LVNV Funding on XX/XX/year> and this account does not belong to me. Please remove the fraudulent account from my credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I made a payment of {$430.00} on my Comenity Bank XXXX XXXX in XX/XX/year>. The payment was never posted to my account. I have provided Comenity with the ACH transaction detail retrieved from my bank, most recently by Certified Mail Return Receipt. I have the return receipt showing the correspondence was received by Comenity on XX/XX/XXXX. I now have a letter from Comenity dated XX/XX/XXXX stating that I have not provided any proof of payment. It is impossible to speak to anyone who could help me solve this matter and it has gone on for too long.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
disputes were files with all three credit bureaus and I was sent inaccurate information, about accounts that has not been authorized by me. I recently filed a disputes in the amount of {$310.00}, {$72.00}, and {$690.00} on XXXX XXXX. I've filed a few disputes on the same accounts which one had fell off and was back reporting once again. I stated to the credit agencies that my information had been compromised and these are not my accounts.

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 2025-09-23 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: FL

Complaint narrative:
I am disputing Charge off on my account Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX These accounts are listed a

s Charge-Off on my credit reports. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 1. Verification Required FCRA 609 & 611 Under 15 U.S.C. 1681g & 1681i, I have the right to request full verification of any account being reported. -You must provide copies of original documents that establish : - The original signed credit agreement or contract, - A full accounting of the debt ( including payment history, charge-off date, and balance calculations ), - Proof that you have the legal right to furnish this information. If you can not provide this documentation within the statutory period, the account must be deleted immediately from all credit bureau reports.

2. Furnisher Responsibility FCRA 623 - As the furnisher of information, you are legally required to report only complete and accurate information.

= Reporting a charge-off without reflecting it as paid or settled in full ( with a {$0.00} balance ) is misleading and violates FCRA accuracy requirements.

- If this account has been sold, reassigned, or settled, you must immediately update the record or delete it.

3. Debt Validation FDCPA 809 - If you are a debt collector or assignee of this account, you are required under 15 U.S.C. 1692g to provide full validation of the debt.

This includes : - Proof of ownership/assignment of the account, - Full breakdown of the amount claimed, - Original contract with my signature.

If you can not provide these documents, you must cease collection activity and request deletion from the credit bureaus.

4. IRS 1099-C Obligation If any portion of this alleged debt was forgiven in the charge-off, federal tax law requires you to issue a Form 1099-C for cancellation of debt ( over {$600.00} ).

Failure to provide this tax document while continuing to report the account as collectible or outstanding is misleading and may constitute inaccurate reporting under FCRA 623.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My report includes late payment entries that I suspect are inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, the information on my report must be accurate, complete, and verifiable. I request verification of these late payment records, and if they can not be validated, I ask that they be corrected or deleted.

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 2025-09-23 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 hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/year> someone hacked my cash app account and my XXXX XXXX XXXX XXXX was linked to my cash app account and the hacker spent {$490.00} in unauthorized charges to my XXXX XXXX XXXX  and XXXX XXXX then closed my account and did not refund me my money due to it being hacked which was completely out of my control

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Collection accounts listed on my credit report appear to contain inaccurate details. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is both accurate and verifiable. I am requesting a review of these accounts, and if they can not be confirmed as accurate, they should be removed.

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 2025-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I exercised my rights under the Fair Debt Collection Act ( FDCPA ), 15 U.S.C. 1692g by requesting proper validation of this alleged debt from pro collect. They have had more than a year to respond. 
The only documentation they provided was an internal receipt generated by the apartment complex for work performed by its own maintenance crew. This does not constitute adequate validation, nor does it demonstrate the accuracy of or legal enforceability of the charges. No independent invoices, receipts for actual costs, photos of alleged damage, or lease provisions authorizing such charges have been provided. 
Reporting a debt without proper validation violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires that all information furnished to consumer reporting agencies be accurate and verifiable. 
I sent a follow up letter on XX/XX/year>, to which I got no response. I sent a second follow up email XX/XX/XXXX XXXX. To which they just resent the same information they provided a year ago. I wasn't made aware of any money owed to the apartment complex until it was already on my credit.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
This was a fraud error and the company did not do a good investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes late payment entries that I suspect are inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, the information on my report must be accurate, complete, and verifiable. I request verification of these late payment records, and if they can not be validated, I ask that they be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: MO

Complaint narrative:
I have disputed this several times and Zion Holdings keep putting this debt on my credit every other year and now its feeling like harassment. I do not owe this debt. When I first signed up for XXXX XXXX XXXX, I was told that I couldnt get the service because I was a renter and my landlord at the time did not approve of this being installed in their home. I had the service XXXX  months and I had to move. XXXX came out and removed all of the equipment. They asked for my forwarding address and they came and installed it the equipment while I wasnt home. I told them that I am renting and from what I understood from the last person is that they couldnt install on rental property. My landlord stated that she did not want anything drilled into the walls and nothing could be installed outside ( cameras, etc ) I called XXXX and stated this and they said they would come and retrieve the equipment, which they did on XX/XX/year>. Please see attached text from XXXX asking when was a good time for him to come get the equipment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I gave retainer and paid {$5000.00} and they decided not to take Case. They never represented me as they claim just took money Then they said they could not return funds I typed in your phone number, the Zelle account was registered to XXXX XXXX. When I used your email, it gave me some realty company which was a LLC. Given that neither your email, nor your phone number, had a Zelle recipient with your name,. 
Please note They could not return funds to my number XXXX I told this firm to return to my email XXXX @ XXXX XXXX but they never refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: DISCOVER BANK
State: GA

Complaint narrative:
I have reason to believe that my personal information was compromised in a recent data breach, and this unauthorized activity is a direct result. I did not open this account or authorize this inquiry, and I request that it be removed from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which allows victims of identity theft to block fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
formally dispute and demand reinvestigation of all derogatory accounts and late-payment notations on my TransUnion credit report dated XX/XX/year>. These items were previously disputed, yet TransUnion marked them as verified without providing competent documentation. 
This outcome violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and constitutes deceptive practices under the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ). 
________________________________________ Accounts in Dispute TransUnion ReporXXXX 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 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 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 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 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

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