vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I sent a dispute letter to the debt collector asking them to simply prove this debt is real and that I owe it which is my legal right. I was sent an email stating in simple words its my debt but no proof was attached. I sent a second letter of course asking for proof because I didnt receive the first time and it couldve been a mistake ( assuming ). 
Next response was sent stating, they already responded to my previous dispute I submitted, the new dispute didnt contain anything different so theyre refusing to investigate again. This company is refusing to validate my debt which is my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Goal Structured Solutions, LLC
State: MD

Complaint narrative:
I when came to USA there was an ad about XXXX XXXX to give a 3 month tuition from XXXX XXXX XXXX  XXXX  and help get a job. But after course I struggled for 3 yrs and with different course to get a job with another course through which I got a job and made payment to them. There is no way I can make payment to the XXXX XXXX which didn't provide me any benefit. I now have a many payments to make and also have a wife and I am no condition to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-17 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: NY

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Dear LVNV FUNDING LLC., I am writing in response to your communication concerning the alleged debt associated with account number XXXX. I understand that you are attempting to collect this debt. However, I believe that the statute of limitations for this debt has expired. In Maryland, the statute of limitations for credit card debt is generally three ( 3 ) years, as per Maryland Code, Courts and Judicial Proceedings, Section 5-101. My records indicate that the last activity on this account was on XX/XX/XXXX. If my information is correct, the statute of limitations expired XX/XX/XXXX. This debt also shows that is has been paid but it still reporting late payments. Therefore, according to Maryland law, your ability to pursue legal action to collect this debt has expired. Please remove this debt from all three credit bureaus. I request that you cease all collection efforts related to this account and confirm in writing that you will no longer attempt to collect this debt. Please be advised that I am aware of my rights under the Fair Debt Collection Practices Act and the Maryland Consumer Debt Collection Act, and I will take appropriate action to protect them if necessary. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith
pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-17 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Entry Grow Credit / Line of Credit To whom it may concern, I am formally disputing the accuracy and continued reporting of the account listed under the name Grow Credit on my Experian credit report.

The account in question has been closed and was charged off with a minimal balance of {$68.00}. Despite its closure and disputed status, it continues to negatively affect my credit profile and score. According to the Fair Credit Reporting Act ( FCRA ), all items on a credit report must be accurate, complete, and verifiable. This account fails to mee
t that threshold for the following reasons : 1. The balance of {$68.00} was written off, and there has been no new activity since XX/XX/XXXX. 
2. The account is being reported with inconsistent payment data post-closure, which misrepresents its current status.

3. The reporting continues to reflect derogatory payment history despite being in reinvestigation statu
s and closed by the credit grantor.

I demand this account be deleted from my credit report due to the inaccurate and outdated reporting. I have attached supporting screenshots and documentation for your reference.

Please conduct a full reinvestigation in accordance with 15 U.S.C. 1681i and confirm the deletion of this tradeline from my report within the timeframe allowed by law. A written confirmation of the results is expected. 

Thank you for your immediate attention. 

Sincerely, 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 2025-06-18 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-06-18 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: TX

Complaint narrative:
Request Debt Validation copy of orginal contract bearing my signature and chain of title of the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
RE : Formal Dispute XXXX Charged-Off Account ( FCRA 611 & 605 ) To Whom It May Concern, I am formally disputing the following charged-off account that is inaccurately and unfairly reporting on my credit file. I am requesting that this account be investigated and permanently removed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Account XXXX : - Creditor : XXXX - Address : XXXX XXXX XXXXXXXX, XXXX, DE XXXX - Phone : ( XXXX ) XXXX - Date Opened : XX/XX/XXXX - Last Payment : XX/XX/XXXX - Reported Date : XX/XX/XXXX - Status : Charged-Off / In Collections - Original Balance : {$730.00} - Credit Limit : {$500.00} This account has been charged off and continues to negatively impact my credit file, despite being beyond any useful or lawful purpose. Under * * FCRA 611 * *, I am requesting a reinvestigation of this item, and unless full legal verification can be provided, the item must be * * deleted * *. Furthermore, under * * FCRA 605 ( a ) * *, charged-off debts can not be reported indefinitely and must be removed if they no longer meet compliance guidelines. 

This debt has already been written off by the creditor and is no longer collectible through standard means. Its continued presence is inaccurate, outdated, and damaging. I request immediate deletion from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
RE : Formal Dispute XXXX Charged-Off Account ( FCRA 611 & 605 ) To Whom It May Concern, I am formally disputing the following charged-off account that is inaccurately and unfairly reporting on my credit file. I am requesting that this account be investigated and permanently removed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Account XXXX : - Creditor : XXXX - Address : XXXX XXXX XXXXXXXX, XXXX, DE XXXX - Phone : ( XXXX ) XXXX - Date Opened : XX/XX/XXXX - Last Payment : XX/XX/XXXX - Reported Date : XX/XX/XXXX - Status : Charged-Off / In Collections - Original Balance : {$730.00} - Credit Limit : {$500.00} This account has been charged off and continues to negatively impact my credit file, despite being beyond any useful or lawful purpose. Under * * FCRA 611 * *, I am requesting a reinvestigation of this item, and unless full legal verification can be provided, the item must be * * deleted * *. Furthermore, under * * FCRA 605 ( a ) * *, charged-off debts can not be reported indefinitely and must be removed if they no longer meet compliance guidelines. 

This debt has already been written off by the creditor and is no longer collectible through standard means. Its continued presence is inaccurate, outdated, and damaging. I request immediate deletion from 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 2025-06-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ClearOne Advantage, LLC
State: CO

Complaint narrative:
Set up a plan with this company and was under the impression that fees wouldn't be charged right away on settlements ( was told this twice ). 

Had a settlement made ( which happened to be my largest account ) and large fees started to come out right away. My monthly payments going to towards the settlement were less than {$100.00}, fees being charged were over {$200.00}. This made it hard for my account to accrue a balance to pay off any additional settlements because my payments were all going towards the fees and not to any new settlements. 

I reached out to the company to cancel - and had to ask multiple times to do this. I asked about a possible refund on the funds since these settlements weren't completed and I was told that wasn't possible. I had over {$1200.00} of fees paid since XXXX and only got XXXX settlement offers- both of which weren't completed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 
XXXX XXXX XXXX -Balance {$11000.00} XXXX XXXX  XXXX -Balance {$840.00} XXXX  XXXX -Balance {$1800.00} XXXX  XXXX XXXX -Balance {$3100.00} XXXX  XXXX -Balance {$220.00} XXXX XXXXXXXX -Balance {$2000.00} XXXX  XXXX XXXXBalance {$3400.00} XXXX  XXXX -Balance {$1000.00} XXXX  XXXX -Balance {$7000.00} XXXX XXXX -Balance {$1400.00} XXXX XXXX  XXXX -Balance {$240.00} XXXX XXXXXXXX -Balance {$560.00} XXXX XXXX XXXX -Balance {$3400.00} XXXX  XXXX XXXX -Balance {$840.00} XXXX  XXXX XXXX -Balance {$700.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I do not owe this company no proof was sent to validate

Company response to consumer: Closed with non-monetary relief