vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Re : Request for Debt Validation under 15 U.S.C. 1692g This letter is being sent in response to a notice or communication I received from your office regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this alleged debt. 

Please provide the following information : The name and address of the original creditor. 

The amount of the alleged debt, including an itemized breakdown of all fees, interest, and other charges. 

A copy of the original signed contract or agreement bearing my signature that verifies my obligation to pay this debt. 

Proof that you are licensed to collect debts in my state, including your license number and the name of the issuing authority. 

The date and manner in which this alleged debt was incurred. 

Be advised that until you provide full validation of this debt, you must cease all collection activities, including phone calls, letters, or reporting this alleged debt to any credit reporting agency, as required by 15 U.S.C. 1692g ( b ). 

If you have already reported this account to any credit bureau, please be aware that continuing to report unverifiable information may constitute a violation of 15 U.S.C. 1692e ( 8 ), which prohibits communicating false or misleading credit information. 

I expect your response within 30 days as provided by law. Please send all correspondence in writing to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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 am filing this statement to report inaccurate and misleading information appearing on my credit report. The account XXXX XXXX XXXXXXXX XXXX * * * * * * * * is being reported as late closed with a balance of {$400.00}, which I dispute as inaccurate. Additionally, the accounts XXXX XXXXXXXX XXXX * * * * ( {$470.00} ), XXXX XXXX * * * * * * * * * * ( {$2000.00} ), and XXXX XXXXXXXX * * * * * * * * ( {$0.00} ) * * are being reported as charge-offs, but the information does not accurately reflect the true payment history or current standing of these accounts. 
Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and furnishers are required to maintain the maximum possible accuracy of all information reported ( 607 ( b ) ). Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. As a consumer, I am exercising my right under FCRA 611 ( a ) to request a thorough reinvestigation of these items to ensure all data being reported is fair, factual, and verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
I am filing this statement to report inaccurate and misleading information appearing on my credit report. The account XXXX XXXX XXXXXXXX XXXX * * * * * * * * is being reported as late closed with a balance of {$400.00}, which I dispute as inaccurate. Additionally, the accounts XXXX XXXXXXXX XXXX * * * * ( {$470.00} ), XXXX XXXX * * * * * * * * * * ( {$2000.00} ), and XXXX XXXXXXXX * * * * * * * * ( {$0.00} ) * * are being reported as charge-offs, but the information does not accurately reflect the true payment history or current standing of these accounts. 
Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and furnishers are required to maintain the maximum possible accuracy of all information reported ( 607 ( b ) ). Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. As a consumer, I am exercising my right under FCRA 611 ( a ) to request a thorough reinvestigation of these items to ensure all data being reported is fair, factual, and verifiable.

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 2025-10-14 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: CO

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-10-14 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Employer XXXX XXXX XXXX XXXX Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : - XXXX XXXX XXXXIncorrect Name : - XXXXXXXX XXXX XXXXIncorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX - XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX - XXXX - 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I am deeply disappointed by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment is my entitlement, and I kindly request a detailed account of the failures in upholding accuracy and compliance. The credit report I received is surprisingly inaccurate, considering the expected adherence to the FCRA and applicable XXXX XXXX data field formatting standards. I challenge you to provide a verified, complete, and truthful document as evidence for each claim. It is crucial to remove any false accounts promptly to avoid future financial implications. My credit report holds immense importance, and I demand factual accuracy, verification, and compliance in all documented data. 

Listed below are the Collections that are being challenged I.C. SYSTEM, INC - 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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Identity Theft Dispute and Request for Blocking of Fraudulent Accounts 15 U.S.C. 1681c-2 Dear XXXX XXXXispute Department , I am writing to formally dispute and request the blocking of fraudulent information appearing on my XXXX credit file under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ).

The following accounts were opened or reported without my authorization and must be blocked within four ( 4 ) business days of receiving this notice : Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates LLC ( duplicate entry ) Enclosed are copies of my drivers license, Social Security card, proof of address, and an Identity Theft Report filed with the proper authorities.

Under 15 U.S.C. 1681c-2 ( a ) ( 1 ), you are required to block the reporting of this information and notify each furnisher that the data may not be reinserted unless proven accurate and verifiable. Please send written confirmation once the accounts have been removed or blocked. 

Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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 statement to report inaccurate late payment information appearing on my credit report. The accounts listed below are being reported with late payment notations that I believe to be inaccurate, incomplete, or unverifiable : XXXX XXXXXXXX XXXX XXXX XXXX  ( {$26000.00} ), DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$6100.00} ), and XXXX XXXX XXXX XXXX XXXX ( {$580.00} ) * *. These late payment entries do not accurately reflect my payment history and are negatively impacting my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), 607 ( b ) requires consumer reporting agencies to assure the maximum possible accuracy of all reported information. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting any data they know or have reasonable cause to believe is inaccurate. I am invoking my rights under FCRA 611 ( a ) to request a full reinvestigation of these accounts to verify the validity of the reported delinquencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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 submitting this statement to report inaccurate late payment information appearing on my credit report. The accounts listed below are being reported with late payment notations that I believe to be inaccurate, incomplete, or unverifiable : XXXX XXXXXXXX XXXX XXXX XXXX  ( {$26000.00} ), DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$6100.00} ), and XXXX XXXX XXXX XXXX XXXX ( {$580.00} ) * *. These late payment entries do not accurately reflect my payment history and are negatively impacting my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), 607 ( b ) requires consumer reporting agencies to assure the maximum possible accuracy of all reported information. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting any data they know or have reasonable cause to believe is inaccurate. I am invoking my rights under FCRA 611 ( a ) to request a full reinvestigation of these accounts to verify the validity of the reported delinquencies

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 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I Applied for Parent Plus Loans for my XXXX both starting to attend XXXX XXXX. They Both had to attend Private Colleges because of XXXX ( XXXX ) and XXXX XXXX and they were the Only Local Colleges to Provide Specific Programs and Services that were adequate. Bridges to XXXX XXXX and dorm at XXXX XXXX for my son in order for him to get full learning benefit from program and Resource Room at XXXX XXXX for my daughter. I was able to get these Parents Plus Loans for these NEEDED Programs for my Children, which I applied for just under MY name but HOWEVER, these Loans were Approved MAINLY because I HAD to INCLUDE the Income of my Husband and I TOGETHER as we were Filing Jointly. Fast-Forward to XXXX, my Husband became Permanently XXXX with a XXXX in an Incident, and NOW after both of our Children Graduated XX/XX/XXXX and XX/XX/XXXX, after WE Lost the Majority of OUR household INCOME, DUE to my Husband being put on Permanent XXXX, WE are Unable to Pay these Student Loans and NEED to Have them Forgiven Due to PERMANENT XXXX. IN Addition, early in XXXX I lost my Part-time Job Due to the Pandemic, My XXXX XXXX XXXX because of XXXX, I had to take CARE of my Husband Who is XXXX AND Student Loans WERE on Forbearance for a WHILE.... Until NOW! WE NEED to Have these Student Loans Dismissed because of my Husbands Permanent XXXX and HIS INCOME was the Main Reason We were Approved for these Student Loans and we are UNABLE to pay them. We are Very Appreciative and Grateful for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am submitting this complaint regarding my Truist mortgage account because I have experienced repeated issues with inaccurate account information and poor communication. Payments have not been applied correctly or reflected in my account on time, and I have received conflicting information from Truist representatives when trying to resolve these errors. When I filed for loan modification the agent told me never to make payments until they come up with a set amount for me to pay. These issues have caused unnecessary stress and confusion, and I am concerned they may have affected my loan balance or credit reporting. I have already contacted Truist to resolve this matter, but the problem remains unresolved.

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 2025-10-14 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Report reads open account and also that collection agencies original owner.This account should have a zero balancing cloUpdating or increasing the balance without further billing or payments after write-off is considered false furnishing and potentially debt re-aging. Inaccuracy # 3 : No Indication of Account Transfer or Collection Reported Inaccuracy :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: OR

Complaint narrative:
Good day, This is the final time I'm going to challenge this account. I'd like to ask for this account to be deleted and for an investigation to be looked into. I let your organization know about this fake account, which led to my application for a job getting denied. Also, I've kept all my documents from past issues with your organization, which is super important to me. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: AZ

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act.

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 2025-10-14 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: CA

Complaint narrative:
I am submitting to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following accounts. 
XXXX XXXX XXXX XXXX Balance {$9800.00} XXXX XXXX XXXX XXXX Balance {$9800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$9800.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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