vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a XXXX XXXX account reported by the XXXX Department of Education on my credit reports. The account shows a past due balance of {$5400.00} and is marked as a Collection Account. On both XXXX  and XXXX, the account is listed as Closed, yet it is still reported as a derogatory collection with an outstanding balance. 



If the account is closed, there is no factual or legal basis to continue reporting it as an actively delinquent debt. This is misleading and inaccurate under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ) which requires maximum possible accuracy, and 15 USC 1681i which requires a proper reinvestigation and deletion of unverifiable information.

I have disputed this account multiple times with the credit bureaus. Despite this, I have not been provided with : The original signed XXXX XXXX promissory note A full payment history and accounting of the balance Documentation showing I consented to third-party collection or credit reporting Under FCRA 1681b, furnishers must have a permissible purpose to continue reporting consumer data. Once an account is closed and in dispute, continued negative reporting without complete verification violates this requirement. 


Also, I have been going back and forth wondering who the main creditor is and first it was XXXX, and they could not verify me, and i took matters into my own hands and found it was XXXX XXXX. Why have i not received any response? This is unprofessional and illegal! 


Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, any collector must provide proper validation before continuing collection activity. The Department of Education and any contracted servicer have not met these obligations.

The current reporting is damaging my credit score, causing denial of credit opportunities, and creating an inaccurate impression that I have an active delinquency when the account is closed.

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 2025-08-10 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: TX

Complaint narrative:
I am disputing a XXXX XXXX account reported by the XXXX Department of Education on my credit reports. The account shows a past due balance of {$5400.00} and is marked as a Collection Account. On both Experian and XXXX, the account is listed as Closed, yet it is still reported as a derogatory collection with an outstanding balance. 



If the account is closed, there is no factual or legal basis to continue reporting it as an actively delinquent debt. This is misleading and inaccurate under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ) which requires maximum possible accuracy, and 15 USC 1681i which requires a proper reinvestigation and deletion of unverifiable information.

I have disputed this account multiple times with the credit bureaus. Despite this, I have not been provided with : The original signed XXXX XXXX promissory note A full payment history and accounting of the balance Documentation showing I consented to third-party collection or credit reporting Under FCRA 1681b, furnishers must have a permissible purpose to continue reporting consumer data. Once an account is closed and in dispute, continued negative reporting without complete verification violates this requirement. 


Also, I have been going back and forth wondering who the main creditor is and first it was XXXX, and they could not verify me, and i took matters into my own hands and found it was XXXX XXXX. Why have i not received any response? This is unprofessional and illegal! 


Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, any collector must provide proper validation before continuing collection activity. The Department of Education and any contracted servicer have not met these obligations.

The current reporting is damaging my credit score, causing denial of credit opportunities, and creating an inaccurate impression that I have an active delinquency when the account is closed.

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 2025-08-10 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: TX

Complaint narrative:
I am disputing a XXXX XXXX account reported by the XXXX Department of Education on my credit reports. The account shows a past due balance of {$5400.00} and is marked as a Collection Account. On both XXXX  and Equifax, the account is listed as Closed, yet it is still reported as a derogatory collection with an outstanding balance. 



If the account is closed, there is no factual or legal basis to continue reporting it as an actively delinquent debt. This is misleading and inaccurate under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ) which requires maximum possible accuracy, and 15 USC 1681i which requires a proper reinvestigation and deletion of unverifiable information.

I have disputed this account multiple times with the credit bureaus. Despite this, I have not been provided with : The original signed XXXX XXXX promissory note A full payment history and accounting of the balance Documentation showing I consented to third-party collection or credit reporting Under FCRA 1681b, furnishers must have a permissible purpose to continue reporting consumer data. Once an account is closed and in dispute, continued negative reporting without complete verification violates this requirement.

Also, I have been going back and forth wondering who the main creditor is and first it was XXXX, and they could not verify me, and i took matters into my own hands and found it was XXXX XXXX. Why have i not received any response? This is unprofessional and illegal!

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, any collector must provide proper validation before continuing collection activity. The Department of Education and any contracted servicer have not met these obligations.

The current reporting is damaging my credit score, causing denial of credit opportunities, and creating an inaccurate impression that I have an active delinquency when the account is closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: NJ

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: MA

Complaint narrative:
This complaint concerns the continued reporting of a collection account that is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide validation of the debt, proof of transfer or assignment, flow agreement, and bill of sale, as required under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

I have disputed this account directly with the furnisher and the credit bureaus, provided supporting evidence, and allowed 30 days to respond. The collector failed to supply the requested documentation but continues reporting the account. 

I am requesting the immediate deletion of the collection tradeline from all credit reports and that all collection activity cease until full validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MA

Complaint narrative:
This complaint concerns the continued reporting of a collection account that is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide validation of the debt, proof of transfer or assignment, flow agreement, and bill of sale, as required under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

I have disputed this account directly with the furnisher and the credit bureaus, provided supporting evidence, and allowed 30 days to respond. The collector failed to supply the requested documentation but continues reporting the account. 

I am requesting the immediate deletion of the collection tradeline from all credit reports and that all collection activity cease until full validation is provided.

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 2025-08-10 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX SC XXXX Demand for Full Debt Validation To Whom It May Concern, I am contacting you regarding the account referenced above. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which entitles me to request full validation of the alleged debt.

Please provide : 1. Proof that you are legally authorized to collect this debt.

2. The name and address of the original creditor.

3. A complete itemized statement of the alleged debt, including the amount, interest, fees, and payments.

4. A copy of the original signed contract or agreement.

5. Documentation showing the chain of custody/ownership from the original creditor to your company. 

Until you provide the above documentation, you must cease all collection activity, including phone calls, letters, and credit reporting. Any attempt to collect without proper validation will be considered a violation of federal law. 

This request is not a refusal to pay, but a demand for proof of the debt. If you can not provide the requested documentation, you must remove any reference to this account from my credit reports with XXXX XXXX XXXX XXXX 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: NY

Complaint narrative:
I recently contacted Experian about the XXXX BANK XXXX account reporting on my credit report. Experian said they verified this fraudulent error account as mine. I would like to know how this fraudulent account was verified and when. I would also like to know why is is that ONLY EXPERIAN is reporting this

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This complaint concerns the continued reporting of a collection account that is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide validation of the debt, proof of transfer or assignment, flow agreement, and bill of sale, as required under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

I have disputed this account directly with the furnisher and the credit bureaus, provided supporting evidence, and allowed XXXX  days to respond. The collector failed to supply the requested documentation but continues reporting the account. 

I am requesting the immediate deletion of the collection tradeline from all credit reports and that all collection activity cease until full validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This complaint concerns the continued reporting of a collection account that is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide validation of the debt, proof of transfer or assignment, flow agreement, and bill of sale, as required under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

I have disputed this account directly with the furnisher and the credit bureaus, provided supporting evidence, and allowed XXXX  days to respond. The collector failed to supply the requested documentation but continues reporting the account. 

I am requesting the immediate deletion of the collection tradeline from all credit reports and that all collection activity cease until full validation is provided.

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 2025-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XX/XX/year> MOHELA/DOFED XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX : Cease and Desist Notice Under 15 U.S.C. 1692c Dear MOHELA/DOFED, I am writing to formally request that you immediately cease and desist from all communications with me in regard to the alleged debt referenced under your file number [ insert reference number here ]. 
Under 15 U.S.C. 1692c, also known as the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that a debt collector stop all forms of communication with me regarding the debt. Specifically, this statute prohibits debt collectors from contacting a consumer at any time after receiving a request to cease communication, except under certain limited circumstances such as providing formal legal notices of action taken. 
Therefore, I am exercising my right under this provision and demand that you : Cease all further communication with me about this debt, including but not limited to phone calls, letters, emails, and any other form of communication. 


If you continue to communicate with me, be advised that I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office,

and I may pursue legal action. Please note that any future communication on your part will be consi
dered a violation of the FDCPA, and I will take appropriate action as necessary to protect my rights. 
Thank you for your immediate attention to this matter. I expect your confirmation that my request has been processed and that all communications with me have ceased. 
Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-10 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: SC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under XXXX U.S.C. XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( XXXX  ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under 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 explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Experian Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 
2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX while my credit report shows an outdated address of XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX I request that my current address be updated accordingly. 
3. Incorrect Contact Information : The phone number listed on my credit report, XXXX, is no longer in use. I request that my new phone number, XXXX, be updated as my primary contact number. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
Request for Confirmation : I request that Experian investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX Thank you for your prompt attention to 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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Account Resurgent/Lvnv funding number # XXXXXXXX XXXX XXXX XXXX XXXX  I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail with receipt displaying my signature. If not, please delete account # XXXXXXXX XXXX XXXX XXXX XXXX This matter must be addressed in accordance with my right to debt validation under 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are several things in my credit that needs to be corrected. There were things out in my name that I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
We got a XXXX XXXX  from the XXXX store and purchased the protection. When the watch stopped working they sent us a replacement. The replacement did not work.

They sent another and we could not get that to work either and neither could the store. We told them to close the account. Now years later, we are getting a collection notice.

Company response to consumer: Closed with non-monetary relief