vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MI

Complaint narrative:
On XX/XX/2025, I received another letter from Credit Control , LLC. This is one of multiple letters I have received from them. I have responded several times with a request for Debt Validation which they have failed to send.

I am specifically requesting the following documents in another attempt towards debt verification.

1 ) The Purchase Agreement.

2 ) The Bill of Sale.

3 ) Documents with my alleged full account number and details.

4 ) Proof of Jurisdiction since I reside in XXXX and they are based out of XXXX. 
5 ) Proof that they are legally licensed as a debt collector. 
And most importantly, proof of Chain of Custody. All alleged credit card debt is securitized, meaning a Receivable Company owns the debt, third party debt collectors such as Credit Control , LLC only own rights to COLLECT upon the alleged debt but do not own it. Therefore, proving Chain of Custody is essential to validation of debt.

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 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The company has reported inaccurate, incomplete, and/or unverifiable information to the credit reporting agencies, causing harm to my creditworthiness and financial reputation

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 2025-11-17 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:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX Balance : Balance : {$15000.00} Open date XX/XX/XXXX Last activity XX/XX/XXXXXXXX XXXX XXXX Balance : Balance : {$0.00} Open date XX/XX/XXXX Last activity XX/XX/XXXXXXXX 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 2025-11-16 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: PA

Complaint narrative:
Experian, TransUnion, and Equifax have failed to correct false identifiersincluding a phone number not associated with meand continue reporting the canceled XXXX XXXXXXXX and Avant accounts despite IRS XXXX filings. These acts violate FCRA XXXX681e ( b ), 1681i, 1681s-2 ( b ) and FDCPA 1692e ( 8 ). I filed identity-theft reports, yet the CRAs did not block the data within four days ( 1681c-2 ( c ) ). This is a pattern of willful non-compliance and UDAAP violations ( 12 U.S.C. 5531 ). Under 12 U.S.C. 5563 ( b ) the CFPB has a continuing duty to investigate and enforce. I request immediate supervisory escalation and enforcement review for systemic FCRA violations.

Under the Freedom of Information Act ( 5 U.S.C. 552 ) and 12 C.F.R. 1070.40 et seq., I request disclosure of all records, communications, internal memoranda, complaint notes, and correspondence exchanged between the CFPB and any credit bureau or furnisher related to my prior disputes and complaints over the past 24 months, including documentation of any supervisory instructions or closure rationales. 

All materials are labeled Exhibits as header.

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 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase Bank continue to send people to my home, wanting a person who does not live in my home. I do not know where the person live. Someone has sent me a text on my phone for me to sign a document, when in fact I am not the person they are searching for. I have videos that I have saved as of today, they just keep harassing me. At this point I don't know what to do. They even come to my house at night. I am not opening any doors for them. They truly need to stop coming to my house. 
I have sent them a email that state the person they are looking for does not live in my home. I tell the men who keep coming to my house looking for a person, I say, that person does not live here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
This complaint against American Credit Acceptance, for violations of the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), UDAAP, and the XXXX  Deceptive Trade Practices Act, arising from financing attempts for a XXXX  XXXX XXXX XXXX 

Deceptive Financing Terms I was issued written approvals with specific down payment, APR, and monthly payment terms. 
After pulling my credit, the lenders and dealership changed the terms without cause or valid adverse action notice. 

XXXX. Unauthorized or Improper Credit Pulls Multiple access my consumer report based on : misleading approval terms, false underwriting representations, inconsistent requirements This constitutes obtaining my report under false pretenses and failing to follow 15 USC 1681b ( f ). 

XXXX. Failure to Provide Required Adverse Action Notices American Credit Acceptance sent an email stating a decision had been made, but did not provide the required written adverse action notice explaining the reasons for denial or changes, violating ECOA and Regulation B ( 12 CFR 202.9 ). 

XXXX. Abusive Documentation Demands After approval, the entities demanded unnecessary documentation such as : bank statements utility bills pay statements proof of insurance These demands changed the nature of the initial approval and constitute UDAAP violations. 

XXXX. Misuse of Personal Identifying Information My Social Security number and sensitive information were used inconsistently with the stated purpose, which is a violation of : 15 USC 1681e ( b ) 15 USC 1681n & 1681o

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
Keep coming by my residence for the third time asking my neighbors about me and told XXXX XXXX wanted for a summons for a debt. Just today XX/XX/year> knock on my door with a loud bang demanding I come to the door. Its was my XXXX XXXX  said they were a debt collector. This is the third time and XXXX of my neighbors is a witness. I will give her name at a latter time. Also they come bye when XXXX not home like they are law enforcement. And contacting me by mail over and over it been 2 months this been going on. As im permanent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: WA

Complaint narrative:
I need an investigation on this account. It does not look right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several accuracy on my accounts. This account was still hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item Im asking to verify accurate. 

XXXX account number 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
Consumer complaint received 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This serves as a formal demand for deletion of obsolete, inaccurate, and unverifiable addresses, collections, charge offs, and derogatory items currently listed on my consumer file. 

I have identified multiple addresses, collections, charge offs, and derogatory items that do don't reflect my current or accurate residential history and may have been added by third parties without my consent. Under FCRA 604 ( a ) ( 2 ) and 607 ( b ), Experian is required to ensure that all identifying information in a consumer report is accurate, relevant, and verifiable. Maintaining old or incorrect addresses constitutes a violation of FRA 609 ( a ) ( 1 ), as the agency must provide complete and accurate information within my file.

These outdated addresses, collections, charge offs, and derogatory items also present a security and identity risk, allowing for possible date commingling or unauthorized association with accounts that are not mine currently listed on my consumer file.

I have identified multiple addresses, collections, charge offs, and derogatory items that do don't reflect my current or accurate residential history and may have been added by third parties without my consent. Under FCRA 604 ( a ) ( 2 ) and 607 ( b ), Experian, TransUnion, and Equifax is required to ensure that all identifying information in a consumer report is accurate, relevant, and verifiable. Maintaining old or incorrect addresses constitutes a violation of FRA 609 ( a ) ( 1 ), as the agency must provide complete and accurate information within my file. 

These outdated addresses also present a security and identity risk, allowing for possible date commingling or unauthorized association with accounts that are not mine.

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 2025-11-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This serves as a formal demand for deletion of obsolete, inaccurate, and unverifiable addresses, collections, charge offs, and derogatory items currently listed on my consumer file. 

I have identified multiple addresses, collections, charge offs, and derogatory items that do don't reflect my current or accurate residential history and may have been added by third parties without my consent. Under FCRA 604 ( a ) ( 2 ) and 607 ( b ), Experian is required to ensure that all identifying information in a consumer report is accurate, relevant, and verifiable. Maintaining old or incorrect addresses constitutes a violation of FRA 609 ( a ) ( 1 ), as the agency must provide complete and accurate information within my file.

These outdated addresses, collections, charge offs, and derogatory items also present a security and identity risk, allowing for possible date commingling or unauthorized association with accounts that are not mine currently listed on my consumer file.

I have identified multiple addresses, collections, charge offs, and derogatory items that do don't reflect my current or accurate residential history and may have been added by third parties without my consent. Under FCRA 604 ( a ) ( 2 ) and 607 ( b ), Experian, TransUnion, and Equifax is required to ensure that all identifying information in a consumer report is accurate, relevant, and verifiable. Maintaining old or incorrect addresses constitutes a violation of FRA 609 ( a ) ( 1 ), as the agency must provide complete and accurate information within my file. 

These outdated addresses also present a security and identity risk, allowing for possible date commingling or unauthorized association with accounts that are not mine.

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/year>, I applied for a Barclays credit card. During the application process, I had to call their security department for identity verification. While I was on the call with a rep, they called me to verify my phone number. Since I was on the call with them at the same number they called me, I failed to pick up the call on time. As a result, I was asked to provide verification documents : copies of bank statement, driver license and social security card. I promptly provided the documents multiple times as the verification department indicates that the copies were not clear. After the third time of sending a copy of my social security card, my application was finally approved on XX/XX/year>. Shortly after notification that my card has been approved, I was contacted by a Barclays rep indicating that the documents are still insufficient and so they are placing a restriction on my account. 
Afterward, I received the physical credit card but has not been able to use it or access my account online or speak to their customer service. I can only talk to their security department. I called them multiple times trying to either determine what the issue is with the copy of my social security card or close the account. They just said that it can't be verified. At that point, I don't want to deal with this bank anymore and just wanted to close my account to which they said it's not possible while my account is being locked. Afterward, I received notification that an annual fee in the amount of {$99.00} is charged to my account. I called them many times trying to get them to unlock my account or close the account but they said since the account is not verified, they can't close it. I mailed them another copy of my social security card, which is at least 4 times bigger than the original and even clearer than the original, but it's still insufficient. I asked what will happen to the fee if I don't pay, they said it'll likely go to collection. It is therefore unreasonable to expect me to pay a yearly fee for an account that I have not been able to use through no fault of my own. I believe they opened my account by misstake and that they need to rectify the issue. The repeated document requests and account restrictions have caused significant inconvenience and frustration, especially as I had already complied with their verification requirements. They said my account can't be closed because they can't verify it's me, but they expect me to pay the annual fee by mailing them a check, this is total consumer 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 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : TransUnion Has Not Responded to My Dispute or Method of Verification Request Complaint : Hello, I am filing a follow-up complaint because TransUnion has failed to respond to any of my disputes submitted since XX/XX/year>. 


I submitted : My initial dispute in XX/XX/year> A Method of Verification request afterward A CFPB complaint about the lack of response To date, TransUnion has not provided any response, not even an acknowledgment. This violates several parts of the FCRA. 


Under the law, TransUnion must : Complete an investigation within XXXX  days FCRA 611 ( a ) ( 1 ) ( A ) Forward my dispute to the furnisher FCRA 611 ( a ) ( 2 ) Provide written results within 5 days FCRA 611 ( a ) ( 6 ) ( A ) Provide the method of verification when requested FCRA 611 ( a ) ( 7 ) Maintain maximum possible accuracy FCRA 607 ( b ) TransUnion has violated all of these by failing to respond at all.

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 2025-11-16 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: CA

Complaint narrative:
I BELIEVE THEIR SCAMMERS OUT OF LAS.VEGAS THEY'RE CALLED LVNV FUNDING LLC. A MYSTERIOUS AMOUNT SHOWED UP IN MY CREDIT REPORT FROM SOMEONE WHO I'VE NEVER HAD ANY DEALINGS WITH. I THOUGHT IT WAS MAYBE FOR A CREDIT CARD OR SOMETHING, BUT IT'S NOT. IT'S A FUNDING COMPANY THAT I'VE NEVER DEALT WITH. AND THEY'RE SAYING THAT I OWE THEM {$900.00}. I CALL THEM TODAY WHICH IS SUNDAY AND SOMEBODY DID ANSWER. AND THEY SAID, DO I WANT TO PAY THIS DEBT? I SAID I DON'T OWE ANY DEBT TO ANYBODY. IN SEARCHING INTO MY CREDIT REPORT, IT'S I SEE THAT IT IS XXXX FUNDING COLLECTING ON A DEBT.I 'VE NEVER RECEIVED ANYTHING FROM THESE PEOPLE AND I DON'T KNOW WHAT'S GOING ON WITH THEM. ON THE ALLEGED ORIGINAL DEBT, THEY ASKED ME FOR MONEY TO GET THEM TO FIND OUT EXACTLY WHERE THE ORIGINAL DEBT CAME FROM. WITCH, IT CAME FROM THEM. FROM WHAT MY CREDIT REPORT SAYS. THERE'S A DEBT XXXX and XXXX DOLLARS .. MY FIRST TIME CONTACTING THEM WAS TODAY, WHICH IS THE XXXX OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: CA

Complaint narrative:
I discovered a fraudulent credit card account from XXXX XXXX XXXX  appearing on my credit report as an Authorized User account. I did not open this account, did not authorize anyone to add me as an authorized user, and have no connection to the primary account holder. The account reports the following activity : opened XX/XX/XXXX, reported XX/XX/XXXX, with a balance of {$650.00} and a credit limit of {$1500.00}. 

I never received a card, billing statement, email, phone call, or any communication regarding this account. I did not make any charges or payments. This is an account that was opened or used fraudulently using my personal information. 

I filed an FTC Identity Theft Report and provided a written identity theft statement. Despite this, the account continues to appear on my credit report as open and in good standing under my profile. I contacted the credit reporting agency to dispute the account as fraudulent and asked for it to be removed and blocked under the Fair Credit Reporting Act ( FACTA identity theft protections ). The account has not been removed. 

I am requesting that the fraudulent authorized-user account be fully investigated, blocked from my credit reports, and permanently deleted, since I did not authorize or participate in this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 2025-11-16 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: FL

Complaint narrative:
I discovered that multiple accounts were opened in my name without my authorization or knowledge. I did not apply for or consent to credit with XXXX XXXX XXXXXXXX XXXX XXXX or XXXX. These accounts were created through identity theft, and I have filed an FTC identity theft report and police report. I am requesting that all fraudulent accounts be blocked and deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: OR

Complaint narrative:
Company is attempting to collect debt not owed, refuses to remove unverified, unproven accounts from credit file. 
Numerous violations of cease and desist order. 
Have not provided proof of debt, forward flow of debts they say I owe, proof of transfer. 
Provided someone else 's loan information to prove my debt. Personal information of that other person was sent to me including other persons name added to credit file with address I've never lived at.

Company response to consumer: Closed with explanation