vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: KY

Complaint narrative:
This letter is in response to your recent communication in which you admitted that you do not currently possess validation of the alleged debt and had to request such documentation from the original creditor. This admission confirms that you engaged in collection activity before obtaining proper debt validation, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. & 1692g ( b ).

According to the FDCPA : " If the consumer notifies the debt collector in writing.. .that the debt, or any portion thereof, is disputed.... the debt collector shall cease collection of the debt ... until the debt collector obtains verification of the debt. '' Your attempt to collect on this account prior to obtaining proper validation is unlawful. Additionally, reporting this unverifiable debt to the credit bureaus - even with a " disputed '' status - while lacking validation is also a violation of the Fair Credit Reporting Act ( FCRA ). 

As i mentioned in the previous debt validation letter i sent you. under the Fair Debt Collection Practice Act ( 15 U.S.C & 1692g ), I am entitled to receive a written notice of debt and my right to dispute it. I discovered this collection on my credit report, which was the FIRST notice I received regarding this alleged debt and was not contacted by your agency prior to this reporting.

I am formally demanding the following : 1. IMMEDIATE cessation of all collection activity until proper validation is obtained and sent to me -The amount of the alleged debt - The name and address of the original creditor - A copy of an agreement or judgement bearing my signature - Proof that I am legally obligated to pay this debt to you - The original purchase agreement that shows you are the legal owner of this alleged debt and please include all the terms and conditions that are included in the purchase agreement - Proof of your licensing, including your license number and bonding to collect debt in my state - A copy of the Assignment Contract or Purchase Contract authorizing you to collect this specific alleged debt - A complete and detailed payment history, including a breakdown of how the debt amount was calculated ( principal, interest, fees } - Information on whether any insurance claims have been filed or paid out in connection with this debt - The Chain of Title showing a full legal transfer of ownership of the debt from the Original Creditor 2, Removal of any and all references to this debt from any credit reports, as reporting unverifiable or disputed debts is considered inaccurate and deceptive.

FAILURE to COMPLY may result in formal complaints also filed with the Federal Trade Commission ( FTC ) and my State Attorney General I also reserve the right to pursue DAMAGES for any VIOLATIONS OF MY RIGHTS under FEDERAL and STATE law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I do not recognize or owe any debt to your company or to LVNV Funding. I believe this account is a result of identity theft and must be removed immediately. Under the * * Fair Credit Reporting Act ( FCRA ) * * and * * Fair Debt Collection Practices Act ( FDCPA ) * * regarding the above-referenced account. I have * * never made a payment on this account * *, and I have reason to believe this account may involve * * fraudulent activity or unauthorized use of my information * *. 

I have submitted an * * identity theft report * * in accordance with * * FCRA Section 605B ( 15 U.S.C. 1681c-2 ) * * it falls within the scope of my concerns and triggers your legal obligation to * * block or delete * * the item from my credit report * * within 4 business days * *, unless you have clear, documented proof the account is valid and legitimately mine.

Additionally, you are reporting * * inaccurate payment history * *, which is a serious violation of * * FCRA 1681s-2 * *. I formally request the following : 1. * * Full validation * * of this account under * * FDCPA 809 ( 15 U.S.C. 1692g ) * *, including : - A copy of the signed contract or agreement - A full payment history - Proof of legal right to collect and report this debt 2. Immediate * * deletion of this account * * from all credit bureaus due to failure to validate, and due to identity theft concerns under * * FCRA 605B * *. 

If you can not fully validate and correct this record, you are required by law to delete it. Please respond in writing and cease all collection and reporting activities unless proper documentation can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I sent a letter to Transunion XXXX Department after I didn't receive a response to my initial letter dated XX/XX/year> that would have gone to the disputes department. In that letter I was challenging Transunion 's compliance and handling of reporting of information on consumer reports as well as disputing a late payment listed by XXXX XXXX due to such fact above. At this time I have yet to hear from Transunion 's XXXX Department in connection with the issues listed above. I am demanding that Transunion 's XXXX and or XXXX responds to my concerns, as they have failed to send back results of an investigation from letter dated XX/XX/year> which is clearly a violation of the FCRA.

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 2025-06-16 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: MD

Complaint narrative:
COMPLAINT SUMMARY Experian is violating the Fair Credit Reporting Act ( FCRA ) through systematic failures in dispute handling and inaccurate credit reporting. 
SPECIFIC VIOLATIONS 1. SHAM INVESTIGATIONS ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Experian conducts inadequate investigations by simply forwarding disputes to creditors without meaningful review, using automated systems that rubber-stamp responses. 
2. FAILURE TO PROVIDE INVESTIGATION DETAILS ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) Generic form letters fail to describe actual investigation procedures used, violating requirements for detailed results.

3. IMPROPER REINSERTION ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Previously deleted inaccurate information is reinserted without proper data furnisher certification or consumer notification.

4. CHARGED-OFF ACCOUNT RE-AGING ( 15 U.S.C. 1681e ( b ) ) Continuous monthly updates to charged-off accounts with new dates and inflated balances create inaccurate and unreliable reporting.

The CFPB filed a federal lawsuit against Experian on XX/XX/, for conducting " sham investigations '' and illegally reinserting inaccurate information. 
HARM SUFFERED Credit denials due to inaccurate reporting Higher interest rates on approved credit Emotional distress from repeated violations Time wasted correcting recurring errors RESOLUTION REQUESTED 1. Perform genuine, thorough and reasonable account level investigations per FCRA requirements with proof and evidence 2. Remove all inaccurate and unverifiable information listed in dispute 3. Stop improper reinsertion of deleted items 4. Compensate for damages caused by violations

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, 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 have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXXur business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a con
sumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: IL

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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  15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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  15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Re : Security Freeze Request Dear Sir/Madam, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: AL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX * XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX CARD Date : 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 explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
Since BEFORE XX/XX/year>, I have been receiving repeated voicemails from Navy Federal Credit Union stating there is a problem with my account. However, I do not and have never had an account with Navy Federal. I have called their customer service and fraud departments over five times, speaking with various representatives. Each time, they confirm I do not have an account and can not provide any written confirmation or resolution. 

On XX/XX/year>, I spoke with two employees ( one in fraud prevention ) who acknowledged that my phone number was in their system and was scheduled to be removed by XX/XX/XXXX. Despite this, I received additional voicemails after that date, including on XX/XX/XXXX. I have documented each call and saved all voicemails. 

I was advised by Navy Federal representatives to " block the number, '' but voicemails still get through, causing ongoing disruption. I have no relationship with the credit union and have repeatedly asked for the calls to stop. Their failure to address this has led me to file complaints with both the NCUA ( XXXXXXXX XXXX XXXXXXXX ) and now with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
When OneMain Financial first called on XX/XX/25 I explained to them that I couldnt make the full monthly payment because I had to get all new tires and an oil change. They asked me if o could pay {$200.00}. I said no and that I would pay them as soon as I could. I then ended the call because that didnt seem to be good enough for them. They have been calling me multiple times a day, including weekends, since then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reached out to the Bureaus with a letter about the mistakes and unknown items on my credit report, but unfortunately, I haven't received a response in more than 30 days. It feels like my concerns are being ignored, and I'm starting to feel exploited. According to Section 611 ( a ), if these matters aren't addressed within 30 days, they should be promptly removed from my credit report. This situation has caused me a lot of stress, and I may have to consider legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief