vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This letter is being sent in response to a text received from your agency on XXXX. I do not acknowledge or accept this debt and request that you provide validation of the alleged obligation as required under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 
Specifically, I request that you provide : The amount of the alleged debt, including a breakdown of all fees and interest. 
The name of the original creditor. 
A copy of the original signed contract or agreement that authorizes you to collect this debt.Proof that you are legally authorized to collect debts in my state. 
Documentation that you have the legal right to collect on this specific debt ( e.g., bill of sale or assignment from the original creditor ). 
Until you provide the above information, I request that you cease all collection activity, including reporting to credit bureaus and I request that you delete this from my credit report immediately. If you do report this account to any credit reporting agency, that will be considered a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to take appropriate legal action. 
Please note that any attempt to collect this debt without proper validation constitutes a violation of federal law. I request that all further communication from your agency be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
This XXXX XXXX collection account ( original creditor : XXXX XXXX XXXX  ) is being falsely reported and must be immediately removed. The account was opened on XX/XX/year> and shows a {$6200.00} balance, reported as charge-off. I have no knowledge of this account, never authorized it, and never received communication or validation from XXXX XXXX. 

I already disputed this account, yet it continues to appear on my report marked as meets FCRA requirements without any supporting documentation or verification. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 1681i requires credit bureaus to delete unverifiable information after a dispute. 

1681s-2 ( a ) prohibits furnishers from reporting inaccurate or false information. 

1681s-2 ( b ) requires furnishers to investigate and correct errors upon notice. 

This account is damaging my credit, and its continued presence despite my formal dispute constitutes willful noncompliance. I am demanding its immediate deletion and will pursue legal action under FCRA 1681n and 1681o if it is not removed..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. After carefully reviewing my report, I noticed an inquiry that I did not authorize.

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 2025-07-26 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: TX

Complaint narrative:
I have been diluting this impermissible purpose since XXXX XXXX XXXX XXXX and Experian has continued to this day to report this.

I am filing this complaint against XXXXXXXX XXXX for their failure to remove an invalid hard inquiry from my Experian credit report despite their own confirmation that no account exists in their system. 
Background : On XX/XX/XXXX ], I discovered an unauthorized hard inquiry from XXXX XXXX on my Experian credit report dated INQUIRY XX/XX/XXXX and XXXX XX/XX/XXXX ]. These inquiry was made without my knowledge or consent, and I have never applied for credit with XXXX XXXX, nor authorized them to pull my credit report. Up to this date it is still there.

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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/year>, I had a scheduled {$2500.00} payment to my Citi XXXX credit card returned due to insufficient funds. As soon as I was notified, I took immediate action to correct the issue. Between XX/XX/XXXX and XX/XX/XXXX, I submitted five separate payments in the following amounts : {$500.00}, {$1300.00}, {$10.00}, {$50.00}, and {$1200.00} totaling {$3000.00}. All of these payments cleared successfully and were posted to my account before the due date. 

Despite resolving the matter proactively and paying well over the amount due, Citis system retried the original {$2500.00} payment two additional times without my authorization. These subsequent attempts also failed. Soon after, Citi closed my account without warning and forfeited my cash back rewards of over {$1000.00}.

I have never had a late payment on this account and have a strong history of making payments ahead of schedule and in amounts greater than the balance due. This account closure and reward forfeiture feel unjustified, especially given my immediate response and responsible payment history.

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 2025-07-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2025-07-26 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: SC

Complaint narrative:
Company or Organization : XXXX Account number : XXXX Date fraud begin : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total Fraudulent amount : {$270000.00} I am a victim of identity theft. I recently learned that my personal information was misused to open and report fraudulent account activity on my credit report. I did not authorize this account, and I request that it be closed and removed immediately. My information has been transferred through multiple data breaches and is being used for another company 's economic gain.

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 2025-07-26 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: SC

Complaint narrative:
Company or Organization : XXXX Account number : XXXX Date fraud begin : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total Fraudulent amount : {$270000.00} I am a victim of identity theft. I recently learned that my personal information was misused to open and report fraudulent account activity on my credit report. I did not authorize this account, and I request that it be closed and removed immediately. My information has been transferred through multiple data breaches and is being used for another company 's economic gain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: SC

Complaint narrative:
Company or Organization : XXXX Account number : XXXX Date fraud begin : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total Fraudulent amount : {$270000.00} I am a victim of identity theft. I recently learned that my personal information was misused to open and report fraudulent account activity on my credit report. I did not authorize this account, and I request that it be closed and removed immediately. My information has been transferred through multiple data breaches and is being used for another company 's economic gain.

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 2025-07-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Between XX/XX/2024 and XX/XX/2024, multiple hard inquiries were reported on my Equifax and TransUnion credit reports by companies including XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXXXXXX XXXX ), XXXX XXXX, and others. I did not apply for credit with any of these companies nor did I authorize any pull. I already disputed each inquiry directly with Equifax, Experian, and TransUnion and provided documentation, but the inquiries remain. Im requesting that CFPB investigate whether proper consumer consent was documented and that all unauthorized inquiries be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Between XX/XX/2024 and XX/XX/2024, multiple hard inquiries were reported on my Equifax and TransUnion credit reports by companies including XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXXXXXX XXXX ), XXXX XXXX, and others. I did not apply for credit with any of these companies nor did I authorize any pull. I already disputed each inquiry directly with Equifax, Experian, and TransUnion and provided documentation, but the inquiries remain. Im requesting that CFPB investigate whether proper consumer consent was documented and that all unauthorized inquiries be removed 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 2025-07-26 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: TX

Complaint narrative:
This letter is to dispute false and unauthorized accounts showing on my credit report. My information was reported without my permission, which violates 15 U.S. Code 1681b ( 2 ) of the FCRA. These accounts dont belong to me and could be related to identity theft, as described in 15 U.S. Code 1681c-2. I am asking for a full investigation and correction of these mistakes.

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 2025-07-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: U.S. BANCORP
State: CA

Complaint narrative:
My business partner and I applied for an SBA loan with U.S. Bank. During the application process, we were explicitly told there would be no points or fees beyond standard closing costs. Based on this understanding, we proceeded in good faith.

However, on the day our loan contingency was deu to be removed, we were informedby phonethat a {$23000.00} fee would be added to the loan. This was never disclosed upfront and represents a clear bait-and-switch. Had we known, we would have pursued a conventional loan, especially given our strong financial position and substantial down payment. 

We believe this constitutes deceptive lending and are extremely concerned about the lack of transparency. We feel defrauded by the lender and are exploring all options to address this matter.

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 2025-07-26 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: TX

Complaint narrative:
I am formally disputing some incorrect and unauthorized items on my credit report. According to the FCRA ( 15 U.S. Code 1681b ( 2 ) ), my personal data was used without my written consent, and accounts I didnt open are now listed. This could be identity theft under 15 U.S. Code 1681c-2. Im requesting that you look into this and fix these problems right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB lawsuit alleges that Experian has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate corrective action and deletion of account

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 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Strategic Alliances, Inc.
State: CA

Complaint narrative:
Complaint Statement : On or around XX/XX/year>, I received a mailed envelope from First Financial Asset Management ( XXXX ). I had sent them a debt validation letter, but the package they sent back contained multiple pages of personal and insurance claim documents for someone else including that persons full name, vehicle details, insurance company, and claim number. 

This is a serious privacy violation and a mishandling of sensitive consumer data. I am not affiliated with the person whose documents were sent to me, and I did not request or authorize this information. 

I am concerned that my own personal information may also be at risk if they are sending out the wrong files. This incident appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ) due to mishandling of consumer data. 

I am requesting that CFPB review this case and ensure this company is held accountable for violating privacy laws and consumer protection rules.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX, XXXX XXXX, XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed.

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. 

XXXX, XXXX XXXX, XXXX XXXX, AND XXXX 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!

Delete the late payments from my consumer reports

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX, XXXX XXXX, XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed.

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. 

XXXX, XXXX XXXX, XXXX XXXX, AND XXXX 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!

Delete the late payments from my consumer reports

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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XX/XX/year>2025 wrote to XXXX  I disputed the accuracy and completeness of certain accounts on my credit file, under the Fair Credit Reporting Act ( FCRA ). In response, I received an update showing that descriptors were changed, but I did not receive any legal documentation, verification of debt, chain of title, or date of first delinquency for any of the disputed accounts. 

The FCRA requires a reinvestigation and validation of all relevant documentation if the dispute involves accuracy or identity. Merely changing the descriptor does not meet the burden of verification. 

XXXX  failed to provide documentation, and the accounts remain, which you believe is a violation of FCRA ( 15 U.S. Code 1681i )

Company response to consumer: Closed with explanation