vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
A collection account in the amount of {$120.00}, allegedly owed to XXXX, was placed on my credit report without my knowledge, consent, or any prior notice, and was handled by Sequium Asset Solutions. I only discovered this debt after it appeared on my credit report via XXXX. I never received a letter, phone call, or email directly notifying me of this account or giving me a chance to dispute it, as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, the only communication related to this debt was sent to an email address belonging to my mother, who had been managing the account and paying for the service. To our knowledge, she never received a final invoice, nor was I ever informed that there was an unpaid balance or collections activity in my name. I had no idea there was a debt being collected on my behalf until it showed up on my credit report. 

At the time the debt collection activity reportedly began between XX/XX/XXXX and XX/XX/XXXX I was serving on XXXX XXXX military status. As such, I should have been afforded additional protections under the XXXX XXXX XXXX XXXX ( XXXX ). 

Today, on XX/XX/XXXX, I called Sequium Asset Solutions to learn more. The representative confirmed the balance of {$120.00} and provided a verbal assurance on a recorded line that the debt would be submitted for deletion from the credit bureaus within 30 days of payment as a " courtesy deletion. '' However, they refused to provide this assurance in writing, denying me any legal proof or recourse in the event they fail to follow through. 

I am formally disputing the accuracy and legality of this collection account, as I was never properly notified or given the chance to dispute or validate the debt rights I am guaranteed under the FDCPA and FCRA. I am requesting an immediate investigation into this matter and a permanent deletion of the account from all credit bureaus. I also request that this collection agency be instructed to cease all attempts to collect unless full legal validation is provided directly to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: SC

Complaint narrative:
I am filing a complaint regarding inaccurate reporting of a XXXX delinquency on my student loan accounts. As of XX/XX/2025, the following account balances were reported as 90 days late and negatively impacted my credit score : {$2200.00} {$22000.00} {$2300.00} {$22000.00} {$1000.00} {$2300.00} {$3500.00} {$3500.00} {$5600.00} {$4600.00} I am currently an XXXX XXXX, and these accounts should have been in in-school deferment or forbearance status. I did not receive any proper notice from my loan servicer about missed payments, delinquency status, or payment obligations. I only discovered this delinquency after checking my credit report, and attempts to resolve this directly with the loan servicer have been unsuccessful. 

I am also citing 15 U.S. Code 1666b, which establishes the rules for timely billing and reasonable notice of payment requirements. According to this federal law, creditors must provide clear notice of payment obligations before reporting derogatory information to credit reporting agencies. In this case, I was not properly informed of any required payments and believe this reporting violates my consumer rights.

I am requesting a full investigation and the immediate removal of the 90-day late marks from my credit report, as they are damaging my credit history inaccurately. I respectfully request the CFPBs assistance in correcting this issue. 

Thank you.

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 2025-07-16 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: SC

Complaint narrative:
I am filing a complaint regarding inaccurate reporting of a XXXX delinquency on my student loan accounts. As of XX/XX/year>, the following account balances were reported as 90 days late and negatively impacted my credit score : {$2200.00} {$22000.00} {$2300.00} {$22000.00} {$1000.00} {$2300.00} {$3500.00} {$3500.00} {$5600.00} {$4600.00} I am currently an active student, and these accounts should have been in in-school deferment or forbearance status. I did not receive any proper notice from my loan servicer about missed payments, delinquency status, or payment obligations. I only discovered this delinquency after checking my credit report, and attempts to resolve this directly with the loan servicer have been unsuccessful. 

I am also citing 15 U.S. Code 1666b, which establishes the rules for timely billing and reasonable notice of payment requirements. According to this federal law, creditors must provide clear notice of payment obligations before reporting derogatory information to credit reporting agencies. In this case, I was not properly informed of any required payments and believe this reporting violates my consumer rights. 

I am requesting a full investigation and the immediate removal of the XXXX late marks from my credit report, as they are damaging my credit history inaccurately. I respectfully request the CFPBs assistance in correcting this issue. 

Thank you.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Request for Reinstatement of Missing Account XXXX Secured XXXX XXXX Experian Report Dispute Account Not Reporting To Whom It XXXX Concern, I am writing to formally dispute a significant omission in my Experian credit report. My XXXX XXXX XXXX XXXX XXXX  card ( last XXXX digits : XXXX ) is no longer reporting to Experian, despite having an open and active status and consistent reporting to both XXXX and XXXX. 

Below are the details of the account in question : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type : Secured XXXX  Card Account Number ( last XXXX digits ) : XXXX Secured Amount : {$450.00} Opened : XX/XX/XXXX Payment History : XXXX on-time payments with no missed or late payments This account is a critical part of my credit profile and history. Its removal has negatively impacted the accuracy and completeness of my Experian report. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to have accurate and complete information included in my credit report. 

Please reinvestigate this matter with XXXX and reinsert this account and its full positive payment history into my Experian file. If for any reason XXXX has ceased reporting this account to Experian, I request confirmation of that from both parties. 

Enclosed is a copy of a recent credit report showing the accounts continued presence on my XXXX  and XXXX  reports. I am also including a statement from my XXXX account dashboard confirming the account is active and in good standing. 

Please respond to this dispute via CFPB XXXX within the required XXXX period as set forth by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-07-16 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$24.00} INQUIRIES : 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 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 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 XXXXXX/XX/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 2025-07-16 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-16 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I'm filing this complaint ] because they didn't follow the rules in the Fair Debt Collection Practices Act ( FDCPA ). I already asked them, in writing, to cease and desist contacting me about the debt linked to account XXXX XXXX XXXX XXXX. Even though I made this request, they've kept reaching out, which violates my rights under the FDCPA. These continued contacts are really stressful for me and go against FDCPA Section 805 ( c ), which says debt collectors have to stop contacting you after a cease and desist request, except for limited reasons like notifying you of legal action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
In regards to my complaint with capital one filed on XX/XX/year> and complaint number XXXX On XX/XX/XXXX, Capital One sent me an email stating something completely different from what they stated and sent to the CFPB.

Capital One mishandled my identity theft claim and bypassed the CFPB complaint process.

I submitted a dispute to Capital One involving identity theft and fraudulent activity on my account. I also submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year> sending documentation such as a police report and/or FTC Identity Theft Affidavit.

they waited until day 14 and sent me a private email denying my appeal without any explanation or justification, and without acknowledging the identity theft evidence I submitted.

This behavior appears deceptive and non-compliant with complaint resolution standards.

They failed to conduct a fair investigation, did not provide transparency, and bypassed the formal process intentionally.

I am requesting that something be done and this be handled properly and that someone properly handles my identity theft disputes in compliance with federal regulations including the Fair Credit Reporting Act ( FCRA ) and Regulation E, where applicable. Capital One waited until day 15 to provide you information that was irrelevant to what they sent me on day 14.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
There are several in accuracies on my report that needs attention the investigation did not fix

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 2025-07-16 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute an item that appears on my credit report. The account listed under XXXX XXXX XXXX is reporting as a collection account with a balance of {$640.00} and is attributed to the original creditor XXXX. The account was reportedly opened on XX/XX/XXXX, and the status shows " Collection '' as of XXXX through XX/XX/XXXX. 

Here 's why I believe this account is incorrect or requires reinvestigation : There is no verifiable contract or original signed agreement supporting this debt. 

I have not received any billing statements or validation of the debt from XXXX XXXX XXXX. 

The reporting lacks clarity regarding the payment history, ownership, and original delinquency date. 

I did not authorize XXXX XXXX XXXX to collect on my behalf, nor have I been properly notified under the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the credit bureau to conduct a reinvestigation of this account under my rights per the Fair Credit Reporting Act ( FCRA ) and to either : Provide verified documentation supporting the validity of this debt, or Remove or correct the listing immediately if validation can not be provided. 

Please provide written confirmation once the investigation is complete. I appreciate your time and cooperation in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute an item that appears on my credit report. The account listed under XXXX XXXX XXXX is reporting as a collection account with a balance of {$640.00} and is attributed to the original creditor XXXX. The account was reportedly opened on XX/XX/XXXX, and the status shows " Collection '' as of XXXX through XX/XX/XXXX. 

Here 's why I believe this account is incorrect or requires reinvestigation : There is no verifiable contract or original signed agreement supporting this debt. 

I have not received any billing statements or validation of the debt from XXXX XXXX XXXX. 

The reporting lacks clarity regarding the payment history, ownership, and original delinquency date. 

I did not authorize XXXX XXXX XXXX to collect on my behalf, nor have I been properly notified under the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the credit bureau to conduct a reinvestigation of this account under my rights per the Fair Credit Reporting Act ( FCRA ) and to either : Provide verified documentation supporting the validity of this debt, or Remove or correct the listing immediately if validation can not be provided. 

Please provide written confirmation once the investigation is complete. I appreciate your time and cooperation in addressing this issue. 

Sincerely, 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion LLC has listed negative entries on my Credit Report, which it refuses to delete : XXXX XXXX XXXX - in the amount of {$540.00}, Account # XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX - in the amount of {$450.00}, Account # XXXXXXXX XXXX XXXX XXXX XXXX  These items appear to be the result of identity theft. In accordance with 15 U.S. Code 1681b ( 2 ) and Section 605B of the Fair Credit Reporting Act ( FCRA ), it is unlawful to include any information on my credit report without my explicit written consent. On mulitple times, I have provided ID verification, and these items have not be removed, causing harm to my credit file.

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 2025-07-16 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: FL

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

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 2025-07-16 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: FL

Complaint narrative:
The investigation did not resolve the inaccuracies 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 2025-07-16 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: FL

Complaint narrative:
The investigation did not resolve the inaccuracies on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was in hospital when chargers encounterd they keep saying they will fix it an it was never fix. They locked account due to fraud for a year an now they unlocked it .an still dispute was not awarded like they said

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 2025-07-16 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX  ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief