vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. The following account contains discrepancies that require correction or removal : 1. Creditor Name Discrepancy XXXX lists the creditor as Sezzle. 
XXXX lists it as Sezzle Inc.. 
XXXX lists it as SezzleInc. 

2. Date Opened XXXX XXXX reports the account as opened on XX/XX/XXXX. 
XXXX and XXXX report the account opened on XX/XX/XXXX. 

3. Credit Limit Discrepancy XXXX and XXXX XXXX a {$150.00} credit limit. 
XXXX shows a {$0.00} credit limit. 

4. Date Closed Discrepancy XXXX reports the account as closed on XX/XX/XXXX. 
XXXX and XXXX do not list a closed date. 

XXXX. Last Reported Date Discrepancy TransUnion lists the last reported date as XX/XX/XXXX. 
XXXX and XXXX list it as XX/XX/XXXX. 
The correct last reported date should be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: DE

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-07 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: DC

Complaint narrative:
In XXXX of XXXX likely around XX/XX/year>, my official education records including academic records, social security number, income information, my parents information, FAFSA data, and IRS tax transcripts were illegally accessed and improperly disclosed by the entire DOGE team operated under XXXX XXXX who is not a government employee and unauthorized to see such data. Him and his DOGE team are unauthorized third parties. I discovered this breach in XXXXXXXX XXXX XXXX and it alarmed me. Upon detecting irregular activity in my records, and have since received no follow-up communication regarding the incident. In light of these violations of FERPA and Title IV, I demand the immediate discharge of all my federal student loans and a comprehensive investigation into this breach. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-07 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: NJ

Complaint narrative:
On XX/XX/XXXX, my original creditor, XXXX XXXX, issued a Form 1099-C ( Cancellation of Debt ) for an auto loan, officially recognizing the debt as canceled under 26 U.S.C. 6050P. According to IRS Notice 2012-65, once a 1099-C is issued, the debt is considered canceled, and the creditor should no longer report it or attempt collection.

Despite this, the account remains on my credit report, negatively impacting my credit score. I disputed the inaccurate reporting with TransUnion but they have failed to correct or delete the account.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1681e ( b ) ( FCRA ) Credit bureaus must ensure maximum accuracy, yet they continue to report a canceled debt.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA ) Data furnishers can not report inaccurate information, and reporting a canceled debt is misleading.

15 U.S.C. 1692e ( 8 ) ( FDCPA ) Prohibits reporting false or misleading information, including a debt that has been legally canceled. 
Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), the court ruled that credit bureaus must conduct a reasonable investigation when a consumer disputes an account. By failing to properly investigate and remove this account, or TransUnion is in violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: OR

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my dispute inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 

These are the accounts that I have marked as inaccurate that I want removed : 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 2025-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XX/XX/year> Revco Solutions , Inc. 
XXXX XXXX XXXX XXXX, OH XXXX Subject : Debt Dispute Reference Revco Solutions # XXXX Dear Sir or Madam, I am writing to formally dispute the total debt amount of {$210.00} listed in your letter dated XX/XX/year>, related to medical services provided by XXXX XXXX XXXX XXXX account number XXXX. 
When I scheduled these medical appointments, I was covered under XXXX insurance and was very diligent in verifying eligibility, coverage, costs, and copayments beforehand. After a pre-authorization visit, XXXX XXXX XXXX XXXX FL, confirmed that my eligibility was active, that they were in-network with XXXX, and that I was only responsible for two copayments of {$65.00} each. They assured me that all billing adjustments would be made accordingly. 
However, I am now being charged additional amounts for procedures that I previously verified and that were part of the preventive checkup recommended for women over 50 according to the XXXX XXXX XXXX XXXX XXXX guidelines. Furthermore, my doctor only ordered a XXXX XXXX  not a full XXXX XXXX 
Since I fulfilled my responsibility as a patient by confirming coverage and costs in advance, I request clarification on this matter and the removal of any additional charges that do not align with what was previously agreed upon. 
I have attached a copy of the account statement from XXXX XXXX XXXX as supporting documentation for my claim. 
Please confirm receipt of this letter and provide a resolution to my dispute as soon as possible. If further information is required, feel free to contact me using the details provided above. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: MD

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX Pl XXXX, SC XXXX Subject : Debt Validation Request Pursuant to the FDCPA To Whom

It May Concern, I am formally requesting validation of the alleged debt referenced in your correspondence, pursuant to theFair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Please provide the following information as required by law : The original creditors name, address, and account number. A copy of the original agreement bearing my signature.

A complete and itemized accounting of the alleged debt, including all fees, interest, and payments. 
Proof that your agency has the legal right to collect this debt, including a valid chain of title. 
Furthermore, I bring to your attentionXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), where the court ruled that failure to provide proper validation and continued collection attempts can be a violation of the FDCPA. If you fail to provide sufficient validation, any further collection effortsincluding reporting to credit bureauswill be considered a violation of federal law. 
Until I receive adequate verification, you must cease all collection activity, including phone calls and reporting this debt to credit bureaus, as required by the FDCPA. 
Please respond in writing within30 daysof receiving this letter. Failure to comply may result in a complaint filed with theConsumer Financial Protection Bureau ( CFPB ) and potential legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. The following account contains discrepancies that require correction or removal : XXXX. Date Opened Discrepancy XXXX and XXXX list the date opened as XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
XXXX. Creditor Name Variation XXXX lists the creditor as NATIONAL CREDIT ADJUST, XXXX as XXXX, and XXXX as NCA. 
XXXX. Account Status Discrepancy XXXX and XXXX report the account as Charge-off ( Coll/Chargeoff ), but XXXX reports it as 120 Days Delinquent. 
XXXX. Account Past Due Discrepancy XXXX and XXXX report a past due amount of {$610.00}, while XXXX shows {$0.00} past due. 
XXXX. Last Reported Date Inconsistency XXXX and XXXX list the last reported date as XX/XX/XXXX, while XXXX lists XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. The following account contains discrepancies that require correction or removal : Date Opened Discrepancy : XXXX reports the account as opened on XX/XX/scrub>, 2023. 
XXXX reports it as opened on XX/XX/year>2023. 
XXXX reports it as opened on XX/XX/year>2023. 
Date Closed Discrepancy : XXXX lists the account as closed on XX/XX/year>2023. 
XXXX does not list a closing date. 
XXXX does not list a closing date and reports the account as current. 
Credit Limit Discrepancy : XXXX reports a {$200.00} credit limit. 
XXXX reports a {$200.00} credit limit. 
XXXX does not report a credit limit. 
Last Reported Date Discrepancy : XXXX lists XX/XX/year>2023 as the last reported date. 
XXXX lists XX/XX/scrub> 2023 as the last reported date. 
XXXX lists XXXX XXXX, 2023 as the last reported date. 
Account Status Discrepancy : XXXX and XXXX report the account as 60 days delinquent. 
XXXX reports the account as current. 
Account Past Due Discrepancy : XXXX and XXXX report 60 Days Delinquent with {$0.00} past due. 
XXXX lists the account as current with {$0.00} past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I wasn't aware of my account being transferred to this company they keep sending settlement proposals saying it's my last chance to to settle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NJ

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been reported on my credit file without my knowledge or consent. Under 15 U.S.C. 1681c-2, I formally requested Experian to block and remove these unauthorized accounts from my credit report. The fraudulent accounts include : XXXX Account Number : XXXXXXXX XXXX XXXX XXXXccount Number : XXXX Despite my request and legal right to have these accounts removed, Experian has failed to take proper action. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), credit bureaus are required to block fraudulent information upon receiving an identity theft report. Additionally : 15 U.S.C. 1681i mandates a reinvestigation and removal of unverifiable information.

15 U.S.C. 1681e ( b ) requires credit bureaus to ensure maximum accuracy in reporting.

15 U.S.C. 1681s-2 ( a ) prohibits data furnishers from reporting inaccurate or fraudulent information.

15 U.S.C. 1681i ( a ) ( 5 ) ( D ) requires credit bureaus to notify other agencies of removed fraudulent accounts. 
I have provided all necessary supporting documents, yet XXXX has failed to comply with its obligations under federal law, allowing fraudulent accounts to remain on my report.

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 2025-03-07 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: NJ

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent inquiries that I did not authorize. These inquiries are not mine, and I have no connection to them. These inaccurate inquiries are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report. Thank you for the prompt attention to this matter.

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 2025-03-07 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: NJ

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent inquiries that I did not authorize. These inquiries are not mine, and I have no connection to them. These inaccurate inquiries are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report. Thank you for the prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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 am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
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 explanation
Consumer complaint received 2025-03-07 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: WA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. 
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-07 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$7200.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$3600.00} XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX Balance XXXX {$3100.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX  XX/XX/year>

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 2025-03-07 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: LA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXXXXXX 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 explanation