vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
I reached out to Experian, XXXX  and Transunion asking who gave them permission to to put apply negative information on my report. I did however ask All three Credit bureaus to please verify the accuracy that they reported and placed on my accounts. I fell that I have been violated. According to FERA section 605B it is illegal to report anything on my credit report without my permission. Please remove all closed negative accounts. 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 2025-07-07 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: IL

Complaint narrative:
I was presented with a promotional offer for a Citi card XXXX XXXX Credit Card on XX/XX/year> while purchasing XXXX XXXX tickets. I was told I would receive a {$400.00} statement credit on XXXX XXXX purchases if I applied and used the credit card to purchase the tickets. This is the main reason why I applied for this credit card. I was approved and given a temporary card number to make the purchase the same day to receive the {$400.00} statement credit. The terms and conditions stated I would receive the statement credit within 12 weeks from purchase, its been over 12 weeks and Citi keeps saying that my card isnt eligible for this promotion but the only reason I applied for this card was because of the promotion, I used this card to purchase airline tickets that cost over {$1100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports. 
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

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 2025-07-06 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This complaint concerns willful violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by LVNV Funding LLC, Resurgent Capital Services, XXXX XXXX, and XXXX 

On XX/XX/year>, Resurgent Capital Services, acting on behalf of LVNV Funding LLC, sent me a two-page document purporting to validate an alleged XXXX XXXXXXXX Bank account XXXX The packet contained only a generic internal summary and a balance statement. It did not include a signed contract, itemized payment history, chain of assignment, or any documentation from the original creditor. This failed to satisfy the requirements of FDCPA 1692g ( b ) and FCRA 1681i ( a ) ( 7 ). 

In response, I sent a formal rebuttal and cease and desist letter by certified mail on XX/XX/year>, to both XXXX and XXXX. That letter was delivered and signed for on XX/XX/year>. It demanded proper validation and clearly instructed all parties to cease collection activity until such documentation was provided. No response was received. Instead, the disputed account and my personal information were transferred to XXXX XXXX, who then issued a collection letter on XX/XX/year> a clear violation of federal law. 

Despite never receiving proper documentation frXXXX LVNVXXXX XXXX previously marked the LVNV tradeline as verified in response to my dispute. XXXX reporting of the account as verified without any substantiating evidence represents a failure to conduct a reasonable reinvestigation and to ensure accuracy, as required under FCRA 1681i ( a ) and 1681e ( b ).

Entities and Violations Involved : LVNV Funding LLC : FCRA 1681s-2 ( b ) : Furnishing inaccurate and unverified information FCRA 1681n : Willful noncompliance FDCPA 1692g ( b ) : Continuing collection without validation FDCPA 1692e ( 8 ) : Reporting disputed debt without proper notation Resurgent Capital Services : FDCPA 1692g ( b ) : Failure to validate after dispute FDCPA 1692c ( b ) : Third-party disclosure without consent FCRA 1681b ( f ) : Illegal sharing of consumer data FCRA 1681s-2 ( b ) : Furnishing inaccurate information Unifin Inc. : FDCPA 1692g ( b ) : Collecting on a disputed, unverified debt FDCPA 1692e ( 2 ) ( A ) : Misrepresenting the status of the debt FCRA 1681b ( f ) : Using consumer data without permissible purpose Equifax : FCRA 1681i ( a ) : Failure to conduct reasonable reinvestigation FCRA 1681e ( b ) : Failure to maintain accuracy FCRA 1681n : Willful false reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: Unifin Inc.
State: FL

Complaint narrative:
This complaint concerns willful violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX, XXXX XXXX XXXX, Unifin Inc., and XXXX 

On XX/XX/year>, XXXX XXXX XXXX, acting on behalf of XXXX XXXX XXXX, sent me a two-page document purporting to validate an alleged XXXX XXXXXXXX Bank account XXXX The packet contained only a generic internal summary and a balance statement. It did not include a signed contract, itemized payment history, chain of assignment, or any documentation from the original creditor. This failed to satisfy the requirements of FDCPA 1692g ( b ) and FCRA 1681i ( a ) ( 7 ).

In response, I sent a formal rebuttal and cease and desist letter by certified mail on XX/XX/year>, to both XXXX and XXXX. That letter was delivered and signed for on XX/XX/year>. It demanded proper validation and clearly instructed all parties to cease collection activity until such documentation was provided. No response was received. Instead, the disputed account and my personal information were transferred to Unifin Inc., who then issued a collection letter on XX/XX/year> a clear violation of federal law. 

Despite never receiving proper documentation from XXXXXXXX XXXX  previously marked the XXXX tradeline as verified in response to my dispute. XXXX reporting of the account as verified without any substantiating evidence represents a failure to conduct a reasonable reinvestigation and to ensure accuracy, as required under FCRA 1681i ( a ) and 1681e ( b ). 

Entities and Violations Involved : XXXX XXXX XXXX : FCRA 1681s-2 ( b ) : Furnishing inaccurate and unverified information FCRA 1681n : Willful noncompliance FDCPA 1692g ( b ) : Continuing collection without validation FDCPA 1692e ( 8 ) : Reporting disputed debt without proper notation XXXX XXXX XXXX : FDCPA 1692g ( b ) : Failure to validate after dispute FDCPA 1692c ( b ) : Third-party disclosure without consent FCRA 1681b ( f ) : Illegal sharing of consumer data FCRA 1681s-2 ( b ) : Furnishing inaccurate information Unifin Inc. : FDCPA 1692g ( b ) : Collecting on a disputed, unverified debt FDCPA 1692e ( 2 ) ( A ) : Misrepresenting the status of the debt FCRA 1681b ( f ) : Using consumer data without permissible purpose XXXX XXXX  FCRA 1681i ( a ) : Failure to conduct reasonable reinvestigation FCRA 1681e ( b ) : Failure to maintain accuracy FCRA 1681n : Willful false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My friend was visiting from XXXX and picked up his check from his previous apartment complex like a deposit that they gave back to him n didnt have a bank account at the time so he endorsed it to me n I deposited it into my account the amount was XXXX. My Chase checking account said it would be available after 10 days or something .. so the day comes n the money of course cleared .. and my account said it was available but wen I tried to withdraw the money I couldnt cuz Chase had restricted my account!! The check was not reported stolen or anything it was my friends check so the money was good!! N still Chase did not release the funds instead they closed my account and did not mail the check back to me I talked to the bankers n my friend did toohe ended up going back to XXXX while I was left to try to get back his money that he needed.. I asked Chase if they could take the money n give it to him if he goes to the chase branch and they said no .. they wanted to talk to him over the phone. I gave chase his number n contact info that I had n it still wasnt enough.. I guess the number that they call has to be verified which meant under his name .. originally my friend was under his familys plan n his parents paid the bill so the phone wasnt under his name n when I told him he got taken off his family plan n opened a phone line under his name that I provided chase with his number so they could call him n still the number he got wasnt good enough .. did not pass their verification .. he went through so much trouble n got taken off a family plan for nothing n got a extra bill that he had to take care of because chase was unfair.he did wat they told me to tell him to do n still was not good enough. I dont understand y he couldnt go into the branch n show his identification n release the money to him .. Chase was being so difficult .. n unjust!! I did all that I could n did wat they instructed n still no money!!! Its been over a year and the check is not reported stolen or anything. Chase has no proof of illegal activity n my acccount got closed for nothing.. I felt so bad cuz he has bills n kids to but Chase just kept the money for no lawful reason .. that is a lot of money to just keep from him that belongs to him not Chase. Chase says cuz its in my account that they cant take it out n give it to somebody else then give it to me n Ill give it to him..

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

Complaint narrative:
I disputed a {$5500.00} collection account from XXXX XXXX XXXX on my Equifax credit report ( Account # XXXX ). Equifax marked the item as verified, but I never received actual documentation validating the debt. 

I requested that the collector provide a copy of the original signed lease, a full breakdown of charges, and proof that they have the legal right to collect this debt. Instead, Equifax confirmed the account based only on the collectors word, without proper investigation. 

This item is negatively impacting my credit and remains unresolved despite a formal dispute. I am requesting your help to investigate and correct this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
I am the victim of identity theft. My credit report is showing a fraudulent line of credit from XXXX ( Account # : * * * Balance : {$4700.00} ). I did not authorize or open this account and have never done business with this company. 

I submitted a formal dispute to the credit reporting agencies and have also filed a police report with the XXXX XXXX XXXX XXXX, documented by XXXX XXXX XXXX ( Badge # XXXX ). I am attaching the police report and supporting documentation. 

The account is being reported under my Social Security Number ( XXXX ), even though I never provided my SSN to this creditor. I am requesting that XXXX confirm how my SSN was obtained and used to open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am the victim of identity theft. My credit report is showing a collection account from Credit Collection Services related to XXXX XXXX XXXX in the amount of {$1200.00}, Account # : * * * XXXX. I have never opened or authorized this account, nor do I have any relationship with XXXX XXXX XXXX. 

I filed a police report with the XXXX XXXX XXXX XXXX with XXXX XXXX XXXX ( Badge # XXXX ), and submitted formal disputes to the credit bureaus. Despite that, this collection account is still being reported. 

This collection is appearing under my Social Security Number ( XXXX ), and I am formally demanding that you verify whether my SSN was actually used in this transaction, and if so, how it was obtained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against JPMorgan Chase Bank , N.A . ( Chase ) for improperly reporting multiple payments as late on my credit report, despite having made them within the required deadlines and my contractual grace period. This practice violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and is directly harming my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
There where a compliant about a wire transfer from another bank, that issue was resolved but yet they are still hold my funds

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

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., Miller v. Equifax {$18.00} million ; Thomas v. TransUnion {$5.00} million ).

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses.

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

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 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Account from Credit Report To Whom It May Concern, I am writing to dispute an inaccurate item on my credit report. The following account does not belong to me/ has been paid/ is being reported incorrectly : * * Creditor/Collector Name : * * JEFFERSON CAPITAL SYSTEMS XXXX XXXX Account Number : * * XXXX * * Reason for Dispute : * * this is a purchased debt that does not belong to me Under the Fair Credit Reporting Act, I am requesting a full investigation and removal of this inaccurate information. 

Please confirm receipt of this letter and notify me of the results within 30 days as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing a charged-off auto loan originally with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and charged off in XX/XX/XXXX. The account shows a {$0.00} balance because it was sold to XXXX XXXX XXXX. However, Equifax continues to report this account with a charge-off status, even though it is closed and the balance is no longer owed to XXXX. 

I requested that the charge-off status be removed or corrected since the debt is no longer being collected by XXXX and XXXX account shows as transferred. Equifax responded that the account was verified as accurate without addressing the charge-off status or providing meaningful documentation. 

I am asking that this negative item be removed or updated to reflect its true status especially since no balance is owed to XXXX and the account has been closed for some time.

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

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the following inaccurate and unverifiable accounts that remain on my file.

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

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the following inaccurate and unverifiable accounts that remain on my 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 explanation
Consumer complaint received 2025-07-07 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: Westlake Services, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX  XXXX ] [ XXXX ] [ XXXX ] Date : XX/XX/XXXX ] To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Account # XXXX ( XXXX XXXX ) Dear Experian, I am writing to formally dispute inaccurate and misleading information on my credit report regarding the following account : Creditor Name : Westlake Financial SVC Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Items I am disputing : Incorrect charge-off reporting : The charge-off is listed as occurring in XX/XX/XXXX, but monthly CO notations continue XXXX XXXX, which is not permitted under FCRA reporting guidelines. Please investigate and remove all inaccurate charge-off entries after the official charge-off date. 

Confusing status and balance : The account is marked as Charged Off / {$7600.00} written off, yet it also states XXXX % paid off. This is inconsistent and XXXX falsely inflate my outstanding debt. Please clarify or correct this status. 

Potential balance inaccuracy : If the account was written off in full, the balance should reflect {$0.00}, not {$7600.00}. Please verify the current balance being reported and correct if inaccurate. 



I am requesting a full investigation into this matter. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information. Please remove any and all errors as required by law. 





Please provide me with written confirmation of the results of your investigation and an updated copy of my credit report once your investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX

Company response to consumer: Closed with explanation