vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: MN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
XX/XX/year> XXXX  XXXX On XX/XX/year> I sent XXXX  XXXX to a debit card in XXXX which I always send but various amount. On the day I sent it, it did not showed delivered until XXXX XXXX. After that when the receiver checked the account nothing was delivered. I reached out to MoneyGram they said give them XXXX to investigate. Okay I did. Upon the XXXX XXXX mark they said it was delivered from XX/XX/year> and that was a lie because from the moment I sent the money I kept on watching it and not until the next days. So they tell me another XXXX XXXX, this time they said they are reaching out to XXXX to see what the issue was and I am here waiting another XXXX. I need my USD XXXX from both MoneyGram and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-17 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: MN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-17 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/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 2025-08-17 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: CA

Complaint narrative:
I recently sent a notice regarding Equifaxs gross negligence and continued failure to act in accordance with federal law following the well-documented Equifax data breach, which compromised my sensitive and personally identifiable information ( PII ).

Attached you will find confirmation of my inclusion in the breach, which exposed my Social Security number, address, drivers license number, and other sensitive data, placing me at long-term risk of identity theft, fraud, and unauthorized use. Despite this, Equifax has failed to delete or appropriately restrict access to the compromised data and continues to maintain inaccurate and unverifiable information on my credit file in direct violation of multiple consumer protection laws. VIOLATIONS AND NONCOMPLIANCE : 1. FCRA Violations ( 15 U.S.C. 1681 et seq. ) 1681c-2 ( a ) : Equifax has failed to block or remove information resulting from identity theft, despite adequate notice and documentation.

1681e ( b ) : Equifax has not maintained maximum possible accuracy in reporting my consumer information.

1681i : Equifax has failed to reinvestigate and delete disputed information within the mandated 30-day window, a clear breach of consumer rights.

1681b : Continued furnishing and use of my personal information without permissible purpose, especially post-breach, violates federal law.

2. Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) Although Equifax is not a traditional debt collector, its furnishing and dissemination of inaccurate or fraudulent information to third parties facilitates illegal debt collection efforts based on false data, making it an accessory to
FDCPA violations.

3. Metro 2 Compliance Violations Equifax has failed to adhere to the Metro 2 Format Reporting Guidelines, particularly : Date of First Delinquency ( DOFD ) misreporting or omission.

Failure to flag accounts as disputed or resulting from fraud under Compliance Condition XXXX XXXX. 
Improper re-aging or failure to remove unauthorized inquiries, further damaging my profile post-breach.

4. E-OSCAR System Failures Reinvestigations conducted via E-OSCAR have been superficial, with no meaningful human review or original creditor validation.

Equifax has participated in automated parroting of inaccurate data from furnishers without true reinvestigationthis violates the spirit and letter of 1681i.

LEGAL GROUNDS FOR LITIGATION Equifaxs conduct constitutes willful noncompliance under 15 U.S.C. 1681n and/or negligent noncompliance under 15 U.S.C. 1681o, entitling me to actual damages, punitive damages, statutory damages, and attorneys fees. Should this matter not be resolved immediately, I am prepared to file suit in U.S. District Court and seek full remedies available

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Your Name : XXXX XXXX Your Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Social Security Number XXXX Date of Birth XX/XX/XXXX Phone Number XXXX XXXX XXXX XXXX Attn : Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion/Reinvestigation of Bankruptcy Record XX/XX/XXXX Dear XXXX XXXX Department, I am writing to formally dispute the accuracy and legality of the bankruptcy record being reported under my personal file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and other applicable laws.

The following item is being reported inaccurately and/or without proper verification : Public Record Type : Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX Date : XX/XX/XXXX Case Number : XXXX My Dispute Basis : Lack of Direct Verification : The FCRA requires that all information in my consumer file be verified with the original source. Bankruptcies are not reported directly to you by the court ; instead, you obtain this data from third-party vendors or through electronic scraping, which is not a verified source.

No Consumer Reporting Authorization : The U.S. Bankruptcy Court does not report bankruptcies to XXXX or any credit reporting agency, nor do they authorize you to collect and disseminate this information. 

Potential Violation of FCRA XXXX ( b ) : You are required to maintain reasonable procedures to assure maximum possible accuracy. Without direct court verification and a documented chain of custody for the information, the accuracy and completeness can not be guaranteed. 

Violation of FCRA 611 : If you can not obtain original source documentation with my signature or court validation proving the completeness and accuracy, you are obligated to delete the record. 

My Demand : Pursuant to the above laws, I am demanding the following : A complete reinvestigation of this bankruptcy record within 30 days of receipt of this letter. 

Written proof of the method of verification, including the name and contact information of the person or agency who verified the data directly with the court. 

If you can not provide direct verification from the original source, you must delete this bankruptcy record from your system and send me an updated copy of my file reflecting the deletion. 

Please note that failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

Attached is a copy of my drivers license and proof of address for identity verification. 

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 non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting by CITIZENS BANK XXXX XXXX ( Acct. Ending XXXX ) Details of the Complaint : I am submitting this complaint because Citizens Bank XXXX XXXX is furnishing inaccurate information to the credit reporting agencies regarding my account with my social security number ending in XXXX. The information being reported is factually incorrect and damaging to my credit profile. 
Specifically : The account is being reported with inaccurate balance/late payment/collection status ( choose whichever applies ). 


This information is not verifiable, not accurate, and not complete as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

I have already disputed this account with the credit reporting agencies, yet the furnisher continues to verify and report the account inaccurately.

Impact on Me : This false reporting has caused significant harm, including but not limited to : Denials of credit and financial opportunities. 


Increased interest rates on loans and credit products. 


Emotional distress and damage to my reputation. 


Legal Basis : Under the FCRA, furnishers have a legal duty to ensure that information provided to consumer reporting agencies is accurate and complete ( 607 ( b ) ). They also must reasonably investigate disputes ( 611 ) and correct or delete information that can not be verified.

Resolution Sought : I respectfully request that the CFPB investigate this matter and require CITIZENS BANK XXXX XXXX to : Conduct a full and proper investigation into this account. 


Cease furnishing inaccurate information to the credit reporting agencies. 


Delete or correct the account so that it reflects only accurate and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair crdit reporting act the list of accounts below has violated my federaly protected consumer rights to privacy and confidentiality Under 15 U.S.C 1681 The accounts below have violated my rights.

15 U.S.C 1681 section 602A States I have the right privacy.

15 U.S.C 1681 section 604 A section 2 It ats States a consumer reporting agency can not turnish a account without my with instrucions.

15 U.S.C 1681-2 ( A ) ( a ) A person agallas not furrish any information relatingto a consumer reporting agency it the person knows or has XXXX XXXX cause to belive that the information is inaccurate. 

Delete the accounts below Inquiry - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-17 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: NJ

Complaint narrative:
I am submitting this complaint to dispute inaccuracies on my credit report under 15 U.S.C. 1692g, which permits consumer reporting agencies to provide consumer reports only for specific, legally defined purposes. The disputed accounts were reported without my authorization or knowledge, and I have not received any goods or services associated with these entries. I am requesting that these accounts be removed from my credit report to ensure its accuracy and integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-17 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Accounts were charged off by original creditors and sold to a third party. XXXX funding third-party. Creditone bank original creditor. XX/XX/XXXX collection account XXXX. Also Portfolio recovery associated. XXXX Bank original creditor XX/XX/XXXX collection account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: MA

Complaint narrative:
I am filing this complaint because the company failed to properly validate a debt I disputed. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and related consumer protection statutes, a consumer has the right to request a full and verifiable validation of any alleged debt before it can be collected or reported.

I exercised this right and formally requested specific documentation to prove the validity and ownership of the alleged account. The company responded by sending only a generic bank statement. This does not meet the legal standard for debt validation, as it fails to prove the existence, ownership, and enforceability of the alleged debt. 

Specifically, the company failed to provide the following documents I demanded, which are necessary to establish legal standing and verification : Original signed contract Proof that I personally entered into a binding agreement with the original creditor. 

Full chain of title All assignments, transfers, and ownership records from the original creditor to the present entity. 

Proof of Holder in Due Course status As required under the Uniform Commercial Code ( UCC ) Articles 3 and 9.

Transfer documents under 15 U.S.C. 1641 ( g ) ( TILA ) Showing legal transfer and notice of such transfer.

Pooling and Servicing Agreement identification If the alleged debt was securitized, the PSA and Schedule of Assets identifying the specific account. 

By failing to provide these documents, the company has not validated the alleged debt. A mere bank statement does not prove liability, ownership, or the legal right to collect. Therefore, the continued reporting or collection activity on this account constitutes a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
trying to reopen the case of where my loans should be forgiven. My school frauded everyone ( XXXX XXXX was bought by XXXX ). They created predatory loans and went through to fraud those that went through the doors. I've attached the original information and I'm now attaching the original court documentation with highlights of where it says that payments should not be getting paid and refunds should be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Willful and Repeated Violations of FCRA Security Freeze Requirements by FactorTrust , Inc . 

Complaint Details : On XX/XX/XXXX and XX/XX/XXXX, I submitted valid security freeze requests to FactorTrust via CFPB portal, including copies of my drivers license and XX/XX/XXXX utility bill ( proof of identity/address ). 

FactorTrust ignored statutory deadlines [ 15 U.S.C. 1681c-1 ] requiring freeze implementation within 3 business days. 

Instead, they issued XXXX unlawful responses : * XX/XX/XXXX : * Demanded " XXXX legal documents showing full SSN '' ( not required by law ). 

* XX/XX/XXXX : * Demanded a " Social Security card '' ( not required by law ). 

Their conduct violates : FCRA 605A ( timely freeze placement ) FCRA 623 ( prohibiting excessive documentation ) CFPB Regulation V ( 12 CFR 1022.142 ) Eight other CRAs honored identical requests immediately. FactorTrusts obstruction appears systemic, mirroring prior CFPB actions against parent company TransUnion ( XXXX XXXX XXXX ). 

Attached Evidence : Initial freeze request ( XX/XX/XXXX ) + ID/address proof Second demand ( XX/XX/XXXX ) FactorTrusts XX/XX/XXXX and XX/XX/XXXX responses Relief Sought : CFPB intervention to : Order immediate freeze implementation Investigate FactorTrusts pattern of FCRA violations Impose penalties under 12 U.S.C. 5565

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