vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: FL

Complaint narrative:
ED financial services have XXXX negative reporting debts on my credit profiles which I asked for forgiveness and it showed forgiveness on my credit report about a year ago then appeared again I have been a teacher in XXXX XXXX XXXX XXXX systems since XXXX also have for forbearance on a couple of them also a deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> NCA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am writing in response to XX/XX/year> regarding the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request that you provide validation of this debt.

Specifically, please provide : The amount of the debt ; {$550.00} Proof that I am legally obligated to pay this debt ( such as a signed contract or agreement ) ; Documentation showing your authorization to collect on this account ; A complete accounting of how the alleged balance was calculated. 

Until you provide proper validation, you must cease all collection activity and refrain from reporting this debt to credit reporting agencies. If you have already reported it, you are required to inform them of my dispute. 

If you fail to provide validation and continue collection efforts, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Alabama Attorney Generals Office. 

Please communicate with me only in writing. 

Sincerely, Signature XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: VA

Complaint narrative:
CFPB Complaint Summary Experian Company : Experian Information Solutions , Inc . 

Issue : Credit reporting companys investigation results not provided Summary of Complaint : On XX/XX/year>, Experian sent me multiple alerts stating my dispute results were ready. However, when I attempted to view them, I was blocked by a message stating alert details are currently unavailable. Please check back later. 

Despite repeated attempts, Experian never made the results accessible. At the same time, Experian continued to send me marketing emails and push pre-approved offers instead of providing my legally required dispute results. 

This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ) ), which requires Experian to provide me with the results of any reinvestigation, along with an updated credit report. It also raises concerns of deceptive practices, since Experian represented that results were available while withholding them.

Requested Resolution : Provide me with the full and complete results of my dispute investigation immediately.

Correct and update my credit report to accurately reflect my dispute.

Stop misleading practices of notifying consumers that results are ready when they are not.

Ensure compliance with FCRA moving forward.

Evidence Attached : Screenshots from Experians system ( XXXXXXXX XXXX XXXX ) showing Dispute Results are Ready messages but displaying only alert details unavailable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Subject : Dispute of LVNV Funding Collection Improper Reporting To Whom It May Concern, I am disputing the LVNV Funding collection account # XXXX. The account is being reported with inconsistent balances and dates across the credit reporting agencies, which is inaccurate and violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ).

Furthermore, no documentation has been provided to establish a valid assignment, chain of title, or ownership of this alleged debt. Under FCRA 611 ( a ) and 623 ( a ) ( 3 ), credit reporting agencies and furnishers must ensure accuracy and remove unverifiable information. Since this account can not be properly verified, it must be deleted from my credit file. 
Please conduct your reinvestigation within the required timeframe and provide me with written confirmation of the results. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Subject : Credit Acceptance Improper Auto Loan Reporting Body : I am formally disputing the Credit Acceptance account # XXXX currently appearing on my credit report. Credit Acceptance is reporting inconsistent past-due amounts and balances, which constitutes inaccurate reporting in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ).

Additionally, Credit Acceptance has failed to provide signed agreements or verifiable payment history to substantiate this account. Under FCRA 611 ( a ), unverifiable or inaccurate information must be deleted from my credit file.

I am requesting the immediate deletion of this account from all credit reporting agencies. Please provide written confirmation of the results of your reinvestigation. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
This complaint is not submitted in error. My credit report contains multiple inaccuracies that can not be verified as accurate and are causing ongoing financial harm and personal distress. These errors have lowered my credit score and are impeding my ability to achieve financial stability. I will not accept misinformation on my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Got a XXXX limit Capitol One credit card. in XX/XX/year> I payed XXXX and XXXX payments. The XXXX payment was posted to my account. The XXXX was not. They said they did not receive the XXXX payment. I have from the United States Post Office a copy to the cashed XXXX money order. Cashed on XX/XX/year>. I was told by a representative that the payment was only XXXX dollars. I feel this is a breach of contract and trust. The limit on the credit card is XXXX. Please note on the statement it shows a balance of {$9600.00} please tell me how they get to that amount. My documents will show amount of money sent to the company and the amount paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally disputing accounts on my credit report that are fraudulent and unauthorized. I have never opened or been responsible for these accounts, and their inclusion is false, harmful, and misleading. Their presence negatively impacts my financial reputation and misrepresents my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am submitting this follow up because there has been no resolution to my prior case. Citi has acknowledged in writing that I called several times on multiple dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> to confirm my progress toward the Citi AAdvantage XXXX mile promotion. I relied on their representatives in good faith. Each time I was told different spending amounts XXXX then XXXX then XXXX by XX/XX/XXXX and I complied with those instructions. 

On XX/XX/year> Citis own statement showed I had already spent XXXX. I then spent an additional XXXX before the expiration date of XX/XX/year> which brought my total spend to XXXX as Citi notes. After XX/XX/XXXX I continued spending and went nearly XXXX beyond the XXXX requirement I was told. Last week a Citi representative confirmed I had qualified. This week they reversed themselves and said I missed the promotion and still owed XXXX even though I had already gone far beyond what I was told was required. 

Citi admits I verified my status multiple times. Citi staff directly told me I had qualified and that my XXXX miles would be credited. Their denial now is based only on the claim that some purchases had not yet posted by their deadline. That is a Citi internal processing delay not my failure. Customers can not control posting timelines. 

I have spent almost XXXX in reliance on Citis repeated assurances. I would not have spent this money without the promotion. I was misled, given contradictory instructions, and denied the reward after complying in good faith. Citi also stated that they will discipline the staff who misled me which is an admission that I was given false information yet they still refuse to correct the harm to me. 

I am requesting that CFPB require Citi to honor the XXXX AAdvantage miles promotion as promised and credit my account. Anything less is not a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I am filing this formal complaint against National Credit Systems for unlawful reporting of a negative item on my credit file in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 
This collection account is currently preventing me from securing a home for my family. The debt collector has : Failed to Provide Written Notice Under FDCPA 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), a debt collector must provide written notice of the debt within five ( 5 ) days of the initial communication, including the amount of the debt and my right to dispute. I never received such notice. This omission is a direct violation of the FDCPA. 


Failure to Validate the Debt Case law has established that merely placing a tradeline on a consumers credit report without proper validation constitutes deceptive collection activity. In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXXXXXX XXXX ), the court ruled that reporting a debt to a credit bureau without first validating it violates the FDCPA. 


Lack of Authorization / Permissible Purpose Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report if there is a permissible purpose initiated by the consumer. I never authorized this debt collector to access or furnish information about me. Absent my consent or a legitimate business purpose, their reporting is unlawful. 


Identity Theft & Blocking Rights Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the right to demand a block of information resulting from alleged identity theft. Since I never authorized or entered into any agreement with this collector, their tradeline qualifies as unauthorized and must be blocked. 


Deceptive and Abusive Collection Tactics The CFPB and FTC have identified debt parking ( placing debts on consumer credit reports without notice ) as an unlawful and abusive practice. This is exactly what has occurred in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I made a purchased on XX/XX/year> in XXXX website for the amount of {$1100.00}. I purchased 3 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never received my package and I spoke to the company about it and they declined giving me the money back or sending me new items. I filed a claim with my credit card company and after several months of back and forth they still decided to not give me the credit back, knowing that a XXXX claim was issue to XXXX and that they got their money back and knowing XXXX was not able to locate my package. This is the first time a bank is doing this, because normally if the customer don't get the package a refund should be issue, according to XXXX. The case number is : 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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL, XXXX XX/XX/2005 To Whom It May Concern, I am responding to your claim that I owe a debt to your company. This letter is a formal request for validation of the debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Specifically, I request the following : The name and address of the original creditor. 

The amount of the alleged debt, including a breakdown of principal, interest, fees, and any other charges. 

Documentation showing that I am legally obligated to pay, such as a signed contract or agreement. 

Proof that your company is licensed to collect debts in my state. 

A copy of the judgment ( if applicable ). 

Until you provide the above documentation, you must cease all collection activities, including reporting this debt to any credit reporting agencies, as required by law. 

Please note that any attempt to collect without proper validation will be considered a violation of the FDCPA and my rights under federal law. 

I request all communication be in writing only. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/XXXX, noticed my credit card points were gone! I contacted Chase 's number on the back of my card asking basically this below. 

When the credit card account was closed, all of my accumulated reward points were also removed. These points represented a significant value that I had earned through consistent use of my card. I would like to respectfully inquire if there is any way to have my points reinstated or transferred, as I was not aware they would be forfeited upon closure. I would greatly appreciate your assistance in reviewing this matter and helping me recover the rewards I worked hard to earn.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
Company Information Company : Sequium Asset Solutions , LLC Type : Debt Collection Complaint Description On XX/XX/XXXX, I filed a CFPB complaint requesting that every creditor appearing on my credit report provide the original contract signed in ink to validate any alleged debts. Sequium Asset Solutions , LLC is one of the companies that should have complied with that request. 

Instead of providing validation or the original signed contract, Sequium Asset Solutions has begun sending me unwanted text messages on my personal cell phone about an alleged account. I never gave this company consent to contact me by text message. These communications are harassing and intrusive. 

This conduct appears to violate : The Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), which requires a debt collector to provide proper validation and cease collection until it is provided. Sequium has ignored my XX/XX/XXXX request for validation. 
The Telephone Consumer Protection Act ( TCPA, 47 U.S.C. 227 ), which prohibits the use of automated systems to send text messages without prior express consent. 

Despite my standing CFPB complaint and debt validation demand, Sequium Asset Solutions has failed to provide the original executed contract and instead continues collection efforts through text messaging. 



Resolution Sought I respectfully request that the CFPB : 1. Review my original CFPB complaint dated XX/XX/XXXX, which included my request for validation and original signed contracts from all creditors. 
2. Investigate Sequium Asset Solutions , LLC for contacting me by text message without consent. 
3. Require Sequium Asset Solutions to provide the original contract signed in ink for the alleged account referenced in their text message. 
4. Direct Sequium Asset Solutions to cease all text messaging, phone calls, and credit reporting activity until full validation is provided. 
5. Take appropriate enforcement action for violations of the FDCPA and TCPA. 



Supporting Evidence Screenshot of text message received from Sequium Asset Solutions , LLC ( attached ). 
Copy of my original CFPB complaint dated XX/XX/XXXX. 
Record of my prior debt validation demand. 



Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief