vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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:
I dispute the XXXX XXXX XXXX XXXX XXXX ( acct ending XXXX ). The vehicle was taken from my private driveway in violation of UCC 9-609 ( b ) ( 2 ) ( breach of peace ). XXXX failed to provide timely, compliant Notices of Sale/Deficiency required by UCC 9-611 & 9-614, making any deficiency invalid. The reported balance is inflated and unverifiable and the sale not shown to be commercially reasonable ( UCC 9-610 ). Furnishing a charge-off and past-due status is inaccurate and violates FCRA 1681e ( b ), 1681s-2 ( b ) and FDCPA 1692e. I have disputed directly with XXXX and the bureaus and attached supporting notices and my dispute letter. 
I dispute the XXXX XXXX XXXX auto loan tradeline ( Acct XXXX ). The account is reported as charged off with a deficiency balance of {$20000.00} following repossession. This reporting is false, inflated, and legally unenforceable. 

Violations in Repossession & Deficiency Breach of Peace UCC 9-609 ( b ) ( 2 ) : Repossession is lawful only if conducted without breach of peace. My vehicle was taken directly from my driveway without consent or judicial process, constituting breach of peace. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX ). 

Failure of Proper Notice UCC 9-611, 9-614 : A creditor must provide accurate, timely notices of sale and deficiency. XXXX notice was deficient, vague, and failed to explain how the deficiency was calculated. Courts hold deficient notices invalidate deficiency claims ( IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Commercial Reasonableness of Sale UCC 9-610 ( b ) : The deficiency claimed is inconsistent with alleged sale proceeds, suggesting the sale was not commercially reasonable. Burden of proof is on creditor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Federal Consumer Protection Violations Fair Debt Collection Practices Act FDCPA 1692e : Reporting and attempting to collect inflated, unenforceable balances is deceptive and misleading. 

Fair Credit Reporting Act FCRA 1681e ( b ), 1681s-2 ( b ) : Furnishers must ensure maximum possible accuracy and investigate disputes. Continuing to report this account without validation violates these duties. See XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ). 

Privacy & Consumer Rights Gramm-Leach-Bliley Act, 15 U.S.C. 6801 : XXXX communications contained disclosure language inconsistent with federal privacy obligations. 

State Law Massachusetts General Laws ch. 93A ( Consumer Protection Act ) : The unfair, deceptive practices in the repossession, notice failures, and inflated balances constitute violations, exposing XXXX to treble damages and attorneys fees.

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 2025-08-27 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: DE

Complaint narrative:
The inaccurate accounts are still listed on my credit report, which clearly shows they were not properly removed. I am requesting a thorough review of the documents I provided so I can put an end to this ongoing issue.

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I received a notice of lawsuit from an attorney office who informed me of lvnv funding llc/ resurgent capital services taking me to civil courts of debt for 2 different credit card accounts. I was court ordered to appear at court for both cases which were scheduled for two separate court dates. I appeared to both and got subpoena twice for lvnv funding llc not appearing to court. XXXX XXXX I appeared to the courts and judge dismissed and dropped all debt due to the lack of appearance from plaitiff. And as of XX/XX/year> LVNV FUNDING LLC, continues to pursue with emails to collect debt from me that no longer exist. And still reporting invalid information to the credit bureau effecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: AL

Complaint narrative:
It states that the account was opened XXXX for XXXX XXXX XXXX i lost my wallet at work I was a victim of identity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not consent to its creation or use. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
am filing a complaint against LVNV Funding LLC regarding a collection account that appears on my XXXX  credit report. The account details are as follows : Collection Agency : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number ( XXXX XXXX XXXX XXXX XXXXXXXX Current Balance : {$850.00} Status : Collection account ( past due as of XX/XX/year> ) Reported to XXXX XXXX  ( and possibly other bureaus ) Issues : 1. LVNV Funding is reporting this account but has failed to provide proper validation of the debt. 
XXXX. I have not received documentation proving that I legally owe this debt, including the original signed agreement or detailed payment history. 
XXXX. Despite my dispute being recorded with XXXX  the collection continues to be reported as active and past due. 
XXXX. This continued reporting is inaccurate, misleading, and damaging to my credit profile, and it violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: KY

Complaint narrative:
Back in XXXXXXXX  I had a XXXX situation take place in my apartment im aware that it was not more then XXXX XXXX XXXX in the wall mind you Im just now hearing and finding out I owe now this the first time they have gave me a paper I understand Im in charge for the little holes in the walls but nothin else was wrong with the apartment no windows was busted out the apartment was very clean I never even had furniture in the apartment I didnt leave anything inside the apartment XXXXXXXX XXXX XXXX had put I owe XXXX in collections but when I talked to them they said it wasnt XXXX they said its XXXX something but if it wasnt XXXX then why report that so I finally get the paper saying what was owed and everything say ethier {$890.00} or {$520.00} the stuff they listed on the paper is lies what they charging the whole apartment wasnt even worth that much they also lied and said I didnt pay renters this was back in XXXX they wasnt making anybody pay renters u cant even be short a XXXX  if I didnt pay my renters I would of been put out I just think its wrong how they can repost false stuff to put people in debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: IA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XX/XX/XXXXXX/XX/XXXXDate : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me.

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: DE

Complaint narrative:
Please proceed with the removal of these unauthorized accounts from my credit report. I did not authorize their creation and was unaware of their presence. Pursuant to USC 1681g, I formally request their deletion within 15 days. Enclosed are the supporting 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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX, California XXXX. 
Thanks, Items in Need of Deletion : XXXX XXXX offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$200.00} 2. Account name : XXXX  Account opened : XX/XX/XXXX Amount owed : {$3700.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : Plug In Auto Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX  Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX  Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX XXXX name : XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX name : XXXX XXXX XXXX MO Amount Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX, California XXXX. 
Thanks, Items in Need of Deletion : XXXX XXXX offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$200.00} 2. Account name : XXXX  Account opened : XX/XX/XXXX Amount owed : {$3700.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : Plug In Auto Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX  Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX  Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX XXXX name : XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX name : XXXX XXXX XXXX MO Amount Opened : 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 2025-08-27 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:
I am disputing an inaccurate late payment reported by XXXX to Equifax Information Service LLC on my Installment sales contract, account XXXX for the XX/XX/XXXX. This report is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Dear Spring Oak Capital LL I am responding to your contact about an alleged debt. This is a request for validation of the debt, made pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide the following information : The name and address of the original creditor. 
The amount of the alleged debt, including an itemization of any fees or interest. 
A copy of the original signed agreement or contract that verifies my liability. 
Proof that your agency is licensed to collect debts in my state, if applicable. 
Documentation that you are authorized to collect this debt. 
Be advised that until you provide proper validation, you must cease all collection activities, including reporting this debt to credit bureaus. If you have already reported it, you must immediately request its removal until the debt is validated. 
This letter is not an acknowledgment that I owe the debt, nor is it a refusal to pay. It is a formal request for proof of validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the account in question include XXXX XXXX XXXX, which XXXX XXXX  confirmed would be removed but remains on my reportIt is an identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifax s refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/scrub>XXXX XXXX which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: MA

Complaint narrative:
Paid in full agreed to delete from credit report now refusing to do so

Company response to consumer: Closed with explanation