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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as my FINAL NOTICE OF INTENT TO LITIGATE regarding the patently inaccurate late payment entries reported by Experian under XXXX ( XX/XX/XXXX, and XX/XX/XXXX Despite my formal disputes submitted on XX/XX/year> and XX/XX/year>, you have failed to correct or adequately verify the reported delinquencies as required by the Fair Credit Reporting Act ( FCRA ), including Sections 611, 604, and 1666b. Your continued inaction is a willful violation of my rights, causing significant harm to my credit standing and financial opportunities. As a good-faith effort to resolve this matter without the need for litigation, I am extending a settlement offer : ( 1 ) the complete deletion of all 5 inaccurate late payment entries across all three bureaus, and ( 2 ) payment of {$500.00} to compensate for the damages suffered. This offer is valid for ten ( 10 ) calendar days from the date of this letter. Failure to respond with written acceptance and a corrective action plan within that period will result in the immediate filing of a federal complaint for violations of the FCRA. I will seek actual, statutory up to {$5000.00}, punitive damages, and full reimbursement of legal fees. You are now formally on notice of your legal exposure and urged to treat this as a final opportunity to resolve this matter without litigation.

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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc.
State: IN

Complaint narrative:
I took a loan out and received {$390.00} into my bank account on XX/XX/XXXX On XX/XX/XXXX was my first payment of XXXX On XX/XX/XXXX was my second payment for the same amount XXXX Ive been paying every week that amount XXXX and I logged in today to make my last payment and the balance on my account is : {$380.00} So Ive paid {$400.00} and Ive not missed a payment and Ive only paid off {$10.00} of the loan?

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights.

The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : 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 2025-06-17 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: TX

Complaint narrative:
I did not open or authorize the accounts reflected on my credit report. They are fraudulent and must be removed. Under 15 U.S. Code 1681g, I am formally requesting their deletion within 15 days. Enclosed are the necessary documents.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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: CA

Complaint narrative:
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 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX CARD on XX/XX/year> under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: AL

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$330.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$880.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$420.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I applied for a credit limit increase through XXXX  XXXX and the reason for my denial was There is legal action pending against the applicant. They could not shed any light as to what legal action or what it pertains/stems from. They had no information to give me any direction as to what it could be. I checked all three credit bureaus, and there are no public records, lien 's or judgments listed. If there is litigation ongoing Im involved in and could find out what it pertains with great, but they said they do not have any access to help find out.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Let me be very clear. What the Department of Education and XXXX are doing is totally unacceptable, totally unlawful, and a disgrace to hardworking Americans like me who are trying to buy a home, build credit, and live the XXXX XXXX. 
They are reporting multiple student loan accounts, all under XXXX. of XXXX with XXXX late payments, including in XX/XX/year>. But heres the catch : I never got a single valid periodic statement. Nothing. No XXXX notice, no heads-up, no chance to pay, just late marks slapped on my credit like its a joke. Thats not how XXXX works. 
Let me remind you : XXXX XXXX XXXX. XXXX, I hereby revoke and withdraw ANY authorizationwritten, verbal, or imaginary, that these people think they had. This revocation is retroactive and immediate. You dont get to profit off my private information and hurt me at the same time. 

This is a massive violation of : The Fair Credit Reporting Act ( FCRA ) The Gramm-Leach-Bliley Act ( GLBA ) The Family Educational Rights and Privacy Act ( XXXX ) And its XXXX happening to millions of other Americans. Were going to expose it. 

This is willful noncompliance, plain and simple. And its destroying my opportunity to get approved for a homeXXXX  my family, XXXX  my name, and violating federal law. I demand the following : Remove every late payment, they're bogus and unsupported. 
Update every account to show XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX. 
Prove that you sent me periodic billing statements. If you cant, youre caught. 

This isnt just about me. This is about doing whats right. Fix this NOW or I will file with the IRS ( Form XXXX ) and every agency necessary until its corrected. Were not playing games. XXXX is enough.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Let me be very clear. What the Department of Education and XXXX are doing is totally unacceptable, totally unlawful, and a disgrace to hardworking Americans like me who are trying to buy a home, build credit, and live the XXXX XXXX. 
They are reporting multiple student loan accounts, all under XXXX. of XXXX with XXXX late payments, including in XX/XX/year>. But heres the catch : I never got a single valid periodic statement. Nothing. No XXXX notice, no heads-up, no chance to pay, just late marks slapped on my credit like its a joke. Thats not how XXXX works. 
Let me remind you : XXXX XXXX XXXX. XXXX, I hereby revoke and withdraw ANY authorizationwritten, verbal, or imaginary, that these people think they had. This revocation is retroactive and immediate. You dont get to profit off my private information and hurt me at the same time. 

This is a massive violation of : The Fair Credit Reporting Act ( FCRA ) The Gramm-Leach-Bliley Act ( GLBA ) The Family Educational Rights and Privacy Act ( XXXX ) And its XXXX happening to millions of other Americans. Were going to expose it. 

This is willful noncompliance, plain and simple. And its destroying my opportunity to get approved for a homeXXXX my family, XXXX  my name, and violating federal law. I demand the following : Remove every late payment, they're bogus and unsupported. 
Update every account to show XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX XXXX. 
Prove that you sent me periodic billing statements. If you cant, youre caught. 

This isnt just about me. This is about doing whats right. Fix this NOW or I will file with the IRS ( Form XXXX ) and every agency necessary until its corrected. Were not playing games. XXXX is enough.

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 collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I, XXXX XXXX , sent a certified debt validation letter to LVNV Funding ( Resurgent Capital Services ) on XX/XX/year>, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ). Under this law, a consumer has the right to request written verification of a debt, and the collector must cease collection efforts until proper validation is provided.

Despite this, LVNV Funding ( Resurgent Capital Services ) failed to produce : - A copy of the original signed agreement- An itemized breakdown of charges- Legal documentation showing they are authorized to collect this debt This is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 
They continue to report unverifiable information to the credit bureaus. 
* * Account Numbers Involved * * : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified Mail Tracking Number * * : XXXX

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX  XXXX account that is currently being reported by Early Warning Services ( EWS ). I do not recognize or authorize, and I believe my personal information may have been used without my consent. I have not received any documentation or communication from XXXX XXXX XXXXXXXX confirming the existence of this account, nor have I given permission for this data to be shared with any third party. 

I am concerned that this may be the result of identity theft or inaccurate reporting by XXXX XXXX  XXXX. Furthermore, I dispute that either XXXX XXXX XXXX or Early Warning Services had a permissible purpose under the Fair Credit Reporting Act ( FCRA ) to obtain, use, or report my consumer information in connection with this alleged account. 

This reporting is causing harm to my ability to open a new bank account and does not reflect any legitimate or authorized activity on my part. I have not received any acceptable method of verification or proof. 

This reporting may constitute violations of the following sections of the FCRA : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy ; 15 U.S.C. 1681i Failure to reinvestigate upon consumer dispute ; 15 U.S.C. 1681s-2 ( b ) Furnishers duty to investigate and correct inaccurate information ; 15 U.S.C. 1681b ( f ) Obtaining or using consumer reports without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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, XXXX XXXX , sent a certified debt validation letter to Credit Collection Services XXXX XX/XX/year>, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ). Under this law, a consumer has the right to request written verification of a debt, and the collector must cease collection efforts until proper validation is provided.

Despite this, Credit Collection Services failed to produce : - A copy of the original signed agreement- An itemized breakdown of charges- Legal documentation showing they are authorized to collect this debt This is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

They continue to report unverifiable information to the credit bureaus. 
* * Account Numbers Involved * * : XXXXXXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX * * Certified Mail Tracking Number * * : XXXX

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
A rep came to my house and I said I was delinquent after I had made a payment just days before. To make matters worse he discussed my entire loan with someone other than me including what I owed and when I borrowed to the date. He also laughed after invading my privacy and said OOPS I didnt suppose to tell you that. I have video and audio captured on my ring camera for evidence in case hes untruthful

Company response to consumer: Closed with explanation