vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX, as they have violated the Fair Credit Reporting Act ( FCRA ) by reporting an account inaccurately on my credit report. 

Account Name : XXXX XXXX  Account Number : [ Account Number Last XXXX Digits ] Amount Reported : {$290.00} ( charged-off debt ) Status : Charged off, but still listed as " past due '' for the same amount. 


Under the Fair Credit Reporting Act ( FCRA ) 611, an account that is charged off can not simultaneously be reported as past due. Once an account is written off, it should no longer show as " past due '' it should show a balance of {$0.00} and the account closed. However, XXXX XXXX  has continued to report this account as both charged off and past due with a balance of {$290.00}, which is a violation of the XXXX XXXX standards used by credit reporting agencies.

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 2025-05-26 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: LA

Complaint narrative:
I am submitting a formal complaint against XXXX XXXX  for inaccurately reporting an account on my credit report in violation of the Fair Credit Reporting Act ( FCRA XXXX ) and XXXX XXXX credit reporting standards. 

Details of the Account : Creditor : XXXX XXXX  Account Type : Credit Card Date Opened : XX/XX/XXXX Reported Status : Charged Off and Closed Balance : {$1600.00} Past Due Amount : {$1600.00} ( as of XX/XX/XXXX ) This reporting is legally incorrect. Once an account is charged off and closed, the past due amount must be reported as {$0.00}. It can not be simultaneously listed as charged off and past due. This violates both the FCRA and the XXXX XXXX standard, which credit furnishers are obligated to follow when reporting to Experian, 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 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This is a formal complaint against XXXX/Resurgent Receivables, a debt buyer currently reporting a derogatory tradeline ( Account # XXXX ) for {$540.00}, allegedly opened on XX/XX/XXXX, and updated as recently as XX/XX/XXXX. 

To date, Resurgent has provided no legally required validation of this debt, has never furnished a copy of any original agreement bearing my wet signature, and has not shown proof that they are legally licensed to collect debt in the State of Georgia. 

As a debt buyer, XXXXResurgent is not merely a collector they are claiming ownership of the debt, which means they must maintain full and verifiable records to validate it under 15 U.S.C. 1692g ( b ) and FTC guidance on purchased debt. Yet, they have failed to prove : That I owe this debt That I signed any contract obligating me to this alleged debt That they purchased this debt with chain of title documentation That they have any legal standing to report or collect in Georgia Additionally, Resurgent continues to report this account to the credit bureaus without validating its legitimacy, violating : FDCPA 807 Prohibiting false, deceptive, or misleading representations of debt FDCPA 809 Failure to validate debt upon request FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681b No demonstrated permissible purpose to access or publish my report Georgia Fair Business Practices Act Operating without a valid collection license is unlawful in this state The account remains unverified, unvalidated, and unauthorized. As a result, I have suffered reputational damage, reduced creditworthiness, and emotional distress despite the fact that no lawful proof of this debt has ever been produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: IL

Complaint narrative:
While I acknowledge your notice of additional review time, please note that under 15 U.S.C. 1681i ( a ) ( 1 ), reinvestigation must be completed within a reasonable time, not to exceed 30 days unless extended due to supplemental information from me. I have not submitted any such additional information since my original dispute. Therefore, I expect resolution and full deletion of the tradeline within 30 days from the original date in which you received my dispute via certified mail. XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
am a Texas resident who applied for a loan through XXXX XXXX. The contract names XXXX XXXXXXXX XXXX  ( XXXX ), a Utah-based bank, as the lender. However, XXXX XXXX handled every step of the loan process including the application, approval, disbursement, and collection. 

The APR is 224.01 %, with over {$7300.00} in finance charges on a {$3400.00} loan. This violates Texas usury law and would be illegal if originated by any Texas-licensed lender. This contract structure appears to be a rent-a-bank scheme where a bank is used to circumvent Texas law by allowing XXXX XXXX to act as a de facto lender through a CAB license. 
This proves that XXXX XXXX is directly handling the funding and withdrawals, further supporting the argument that they are the true lender, not merely a facilitator. 

Legal Issues Identified : 1. Texas Finance Code 302.001 caps interest for unlicensed lenders this loan violates that.

2. Texas Constitution Art. 16, 11 prohibits usurious interest 224.01 % APR far exceeds legal limits.

3. Texas Finance Code 393.201 prohibits CABs from using deceptive or abusive practices this structure violates public policy.

4. Balance Credit, not the bank, performs all lending functions, triggering the true lender doctrine.

5. FCRA violations may exist if the debt is reported to credit bureaus, as the contract may be void.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: ME

Complaint narrative:
To Whom It May Concern, This letter is a formal Round 1 dispute requesting the immediate reinvestigation and deletion of inaccurate, obsolete, and unverifiable information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA 609 & 611 ), XXXX XXXX Compliance Guidelines, and my consumer rights. 
Inaccurate Personal Information Request for Deletion : The following addresses are unfamiliar, outdated, or incorrect, and should be removed immediately 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 XXXX These addresses XXXX either duplicates or have never been associated with any account I legitimately opened. Per FCRA XXXX ( b ), credit bureaus must ensure the maximum possible accuracy of consumer information. Please delete them immediately to prevent any potential file mixing or identity confusion. 
Inaccurate Late Payment Accounts Request for Verification or Deletion : XXXX # XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/year> Reporting a recent late payment with no documentation. I request the original loan agreement and payment history per FCRA XXXX ( a ) ( XXXX ). If this can not be provided, it must be removed for non-verifiability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/year> This tradeline reflects late payment despite being new and XXXX have been reported prematurely. I demand XXXX XXXX compliant review and documentation showing permissible purpose and accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/year> XXXX a charge-off with a balance of {$5700.00}. If this account has been forgiven or a XXXX was issued, continuing to show a balance violates IRS regulations and FCRA XXXX XXXX Please provide documentation verifying this balance or remove it immediately. 
Unauthorized Inquiries Remove for Lack of Permissible Purpose : I never authorized the following hard inquiries, and under FCRA XXXX, no entity XXXX access my credit file without my consent or a legitimate permissible purpose. These must be removed : 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 XXXXXXXX are legally required to provide evidence that these inquiries were authorized by me. If you can not provide this documentation, these entries must be removed. 
I am asserting my consumer rights under the FCRA and requesting a full reinvestigation of these items. If you can not verify the information within the legally required 30-day period, I demand that it be permanently removed from my credit file.

Failure to comply will result in formal complaints filed with the CFPB, FTC, and State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Response to Chase Banks Denial Proof of Enrollment in Hardship Program Dear Consumer Financial Protection Bureau, I am submitting this formal response to Chase Banks denial of my claim XXXX - XXXX regarding their deceptive and misleading practices related to their hardship payment program. Chases response falsely states that I did not enroll, yet my bank statement and official online scheduling confirmation prove otherwise. 
Evidence Proving My Enrollment 1. Online Scheduling Confirmation : Chases payment assistance system scheduled me for a Balance Liquidation Program at a fixed rate of {$200.00} per month for 60 months at 12 % XXXX. 
This confirmation explicitly shows that I accepted the terms, demonstrating that I was enrolled per Chases own criteria. 
Nowhere in the scheduling process did Chase warn me that this would lead to a full account review, resulting in the closure of unrelated accounts. 
XXXX. Bank Statement Showing {$200.00} Withdrawal : My Chase bank statement for XX/XX/year> shows a recorded payment of {$200.00} toward the hardship plan, which contradicts Chases claim that I was never enrolled. 
The fact that Chase processed my payment confirms my active participation in the program.

If Chase received and recorded my payment, then their statement that I was not enrolled is inaccurate and misleading.

Chases Deceptive and Confusing Business Practices Chase failed to fully disclose that accepting their hardship program would trigger a review and closure of my other accountsaccounts that were current and paid on time.

Chase falsely claimed that I never enrolled, despite clear evidence to the contrary.

The abrupt closures caused severe financial harm, including a major drop in my credit score, preventing me from securing necessary financial assistance.

Requested Action by CFPB Given the evidence that Chase knowingly misrepresented the facts in their response, I respectfully request the CFPB to take regulatory action and require Chase Bank to : 1. Acknowledge my enrollment and correct their false claims.

2. Reverse the damage to my credit score caused by unjustified account closures.

3. Restore my accounts, ensuring a fair review based on actual payment history.

4. Mandate clearer disclosures for all customers enrolling in hardship programs.

5. Investigate Chases deceptive practices to prevent other consumers from suffering similar harm.

Chases actions demonstrate a lack of transparency and misleading communication, directly violating consumer protection standards. Given the clear documented proof of enrollment, I urge the CFPB to intervene and hold Chase accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was trying to sell items off of XXXX XXXX  and one person messaged me saying that they could zelle me. They tried to send me money. I got an email from What I thought was zelle but it is a zelle fraud email. They were asking me to pay XXXX dollars in order for me to get the XXXX dollars that I was asking for my product. I didn't know it was a scam at the time so I was on the phone and they needed my information and now I am scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
XXXX, XXXX  and XXXX  all have inaccurately reported information pertaining to the following student loan accounts ; XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * XXXX * * * * I have filed a written complaint with all XXXX credit bureaus via certified mail and have filed multiple complaints through the CFPB 's site on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All XXXX bureaus have responded with reports stating that their reportings are accurate despite The Department of Education furnishing different information. All XXXX bureaus are reporting that these XXXX student loans were opened in XXXX when in fact they were all opened between the years of XXXX and XXXX which misrepresents the age of these accounts, and is negatively affecting my credit history and score. Per U.S. Code XXXX ( a ) ( XXXX ) credit reporting of negative information older the XXXX  years is prohibited. The opened and closed dates, account numbers, amount due, payments and interest are also materially incorrect per The Department of Education. Under XXXX U.S. Code XXXX ( a ) ( XXXX ) ( A ), I am requesting the prompt deletion of inaccurate or unverifiable information regarding these student loans. 

I am including documentation to support my claim, including : Statements from my student loan servicers showing the original loan dates.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I reviewed my credit report and found this inquiry Comenity Bank XXXX XX/XX/year> which I did not authorize. It is negatively affecting my credit score and it was made without my knowledge or permission please investigate this matter and remove the unauthorized inquiry from my credit file. Thank you For your prompt attention to this matter Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
Please see attached notice Experian and Transunion conducted a Sham investigation and failed to conduct a XXXX accurate investigations they have failed to provide to provide required requested and put a block on the account saying they have investigated, but relied on E-oscar

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 2025-05-26 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: DC

Complaint narrative:
Subject : Formal Dispute and Notice Unauthorized Use of Consumer Information under XXXX U.S.C. XXXX Dear TransUnion, I am writing to formally dispute the inclusion, use, or furnishing of my personal consumer information on your credit reporting databases. Under the Fair Credit Reporting Act ( XXXX  ), specifically XXXX U.S.C. XXXX ( b ), consumer reporting agencies are only permitted to collect, maintain, and disclose consumer information for permissible purposes, and with appropriate authorization. 
At no time have I provided you or any third party with my explicit, written permission to obtain, maintain, or distribute my consumer credit information. Furthermore, I have not initiated any transaction, application, or business dealing that would grant you a lawful basis to access or share my credit file. 
Therefore, I am asserting my rights under the FCRA and demanding that you : XXXX. Immediately cease the reporting, sharing, or furnishing of my personal credit information without my express consent. 
XXXX. Provide evidence of the legal basis and any verifiable proof of authorization that you rely on to maintain or distribute my credit information. 
XXXX. Remove any accounts, inquiries, or information that can not be verified as authorized by me, as required by XXXX U.S.C. XXXX. 
XXXX. Send a confirmation in writing of the actions taken in response to this letter within XXXX  days, as required by law. 
Failure to comply with this request constitutes a willful violation of the FCRA and may result in legal action being taken against your agency for damages, including but not limited to actual damages, punitive damages, and attorney 's fees, in accordance with XXXX U.S.C. XXXX and XXXX. 
I expect your timely response and resolution to this matter. Please direct all correspondence to the address listed above.

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 2025-05-26 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am writing to formally request that you validate the alleged debt ( s ) you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 
PORTFOLIO RC ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} PORTFOLIO RC ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} PORTFOLIO RC ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
I recently reviewed a copy of my report I noticed I have a fraudulent account report. Please remove this account from my report, they are hurting my ability to obtain credit.

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 2025-05-26 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 recently reviewed a copy of my report I noticed I have a fraudulent account report. Please remove this account from my report, they are hurting my ability to obtain credit.

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 2025-05-26 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: TX

Complaint narrative:
I recently reviewed a copy of my report I noticed I have a fraudulent account report. Please remove this account from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-26 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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