vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY P ROTECTED CONSUMER RIGHTS TO PRIVACY AND C ONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

1 5 U.S.C. 1681 SEC

TION 602 A, STATES I HAVE THE RIGHT TO P RIVACY.

1 5 U.S.C. 1681 SECTION 604 A SECTION 2, STATES A C ONSUMER REPORTING AGENCY CAN NOT FURNISH AN A CCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

1 5 U.S.C. 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF IN FORMATION : ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS AND CRIMES WHICH A NTEDATES THE REPORT BY 7 YEARS.

1 5 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY I N FORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX and LVNV Funding LLC regarding their collection practices on an alleged debt originally associated with XXXXXXXX XXXX XXXX XXXX  I have reason to believe that these companies are engaging in unfair, deceptive, and potentially unlawful debt collection practices.

Nature of Complaint 1. Failure to Provide Proper Debt Validation I requested written validation of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, including a copy of the original agreement and an itemized statement. 
Despite my request, XXXX XXXX XXXX has failed to provide adequate verification. 
XXXX. Threats of Legal Action Without Proper Justification The collection notice references pre-legal status, implying potential legal action without providing sufficient evidence that LVNV Funding LLC has the legal right to collect or sue for this debt.

This tactic may violate 15 U.S.C. 1692e ( 5 ), which prohibits false or misleading threats of legal action.

3. Potential Credit Reporting Violations I have reason to believe this debt is being reported to credit bureaus without proper verification.

If LVNV Funding LLC is reporting inaccurate or unverifiable information, it may be violating the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2. 

Requested Resolution I am requesting that the CFPB : XXXX XXXX XXXX XXXX and LVNV Funding LLC for non-compliance with FDCPA and FCRA. 
Ensure that these companies provide full debt validation before attempting to collect or report the alleged debt. 
Require the removal of any unverified or inaccurate tradelines from my credit report. 
Prevent any further misleading or deceptive collection practices. 

I appreciate your prompt attention to this matter and look forward to your response. Please let me know if you require any additional information to proceed with the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
My personal and financial information was compromised without my authorization.

The FamilyEducational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to save guard my information.

Given the severity of this breach in the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I was XXXX  and my purse was taken and while I was still XXXX  these charges were done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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 submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
XXXXXXXX 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 2025-03-22 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: GA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} NXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} NXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2025-03-22 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: SC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
On XX/XX/2023 I pulled my credit report because I was applying for a mortgage and noticed I had a fraudulent account on my credit profile. XXXX XXXX XXXX XXXX for {$5000.00}. I am a victim of identity theft and placed a security freeze on all XXXX credit bureaus since then and I would like for this account to be removed from my credit profile

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. It's getting me anxious. Please get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Request for Deletion of Account Dispute Analysis Dear CFPB, I am writing to formally dispute the account reported by XXXX XXXX XXXX under XXXX XXXX, which appears on my credit report with the account number [ XXXX XXXX  ]. 

Account Details : Account Owner : XXXX XXXX ( Individual Account ) Original Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Account Status : Unpaid Balance : {$1100.00} Original Amount Owed : {$800.00} Last Payment Date : XX/XX/XXXX Date of First Delinquency : [ First Delinquency Date ] Agency : XXXX XXXX XXXX Agency Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Dispute Analysis : Lack of Debt Validation : XXXX XXXX XXXX has failed to provide proper documentation to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I have not received proof that this debt belongs to me or that XXXX XXXX XXXX has the legal right to collect it. 

Inaccurate Reporting : The balance reported on this account is inconsistent with the amount owed, and there is no clear history provided for any payments or adjustments. This discrepancy in reporting raises concerns about the accuracy of the information provided by the collection agency. 

Potential Violations of Consumer Rights : XXXX XXXX XXXX may have violated the FDCPA by failing to provide accurate debt validation upon request, as well as not notifying me in accordance with the law regarding the debt collection. Additionally, the way the debt is reported could violate the Fair Credit Reporting Act ( FCRA ) by failing to include correct information in my credit report.

Given these concerns, I request that this account be immediately deleted from my credit file as the reported information is inaccurate and unverifiable.

Please confirm receipt of this request and notify me of the outcome at your earliest convenience. If further documentation is required, feel free to contact me at XXXX. 

Additionally, I have sent a copy of this dispute to the Consumer Financial Protection Bureau ( CFPB ) for further review. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Copy to : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Website : www.consumerfinance.gov

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account with XXXX  opened on XX/XX/XXXX, a credit account with XXXX opened on XX/XX/XXXX, another credit account with XXXX opened on XX/XX/XXXX, a credit account with XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX opened XXXX XX/XX/XXXX, a credit card account with XXXX  opened XXXX XX/XX/XXXX, an auto loan with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a loan account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, a collection account with XXXX & XXXX opened XXXX XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, a collection account with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX, XXXX, and XXXX  XXXX on XX/XX/XXXX, a collection account with XXXX XXXX  opened on XX/XX/XXXX, another collection account with XXXX XXXX  opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, another collection account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, another collection account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, and a collection account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts 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 2025-03-22 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-22 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Formal Dispute of Federal Student Loan Obligation Due to Administrative Transfer To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a * * material alteration to the original contract * *.

According to the terms outlined in my promissory note, my loan was issued and administered by the * * U.S. Department of Education * *. Recent federal action has eliminated or reassigned the Departments responsibilities, with the * * Small Business Administration ( SBA ) * * now serving as the managing entity.

This constitutes a * * substantial and unilateral alteration of the agreed-upon terms * *, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure. 


I am requesting that this loan be formally reviewed for discharge, cancellation, or legal reevaluation due to the change in administering agency. Please respond in writing with your position and any available dispute resolution options. 


Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello. Please know that I take my credit seriously, and I'm deeply concerned about the errors I saw on my credit report. These mistakes are causing me stress and it's also impacting my ability to secure new credit. Ive worked hard to build my credit, and its frustrating to see it negatively affected by inaccuracies that arent my fault. There are even mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair, and I need it corrected immediately to prevent further damage. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: American First Finance, Inc.
State: SC

Complaint narrative:
I am behind XXXX trying to set up a payment plan to get caught back up. I went for XXXX weeks. Which is suppose to include my weekly payment of XXXX. The first payment says includes payment for XX/XX/XXXX the second payment says includes payment for XX/XX/XXXX and XX/XX/XXXX. Third payment says includes payment for XX/XX/XXXX and XX/XX/XXXX and the final payment says include payment for XX/XX/XXXX and XX/XX/XXXX. They are trying to double charge me and steal money that wont actually apply to my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: MI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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