vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
XXXXXXXX XXXX  XXXX 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.

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 2025-12-24 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:
XXXXXXXX XXXX  XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
XXXX XX/XX/year> XXXX XXXX  Midland Credit called my phone on a caller ID which did not show a company name and there was no way I could identify the authenticity of this person although they were asking for verification of personal info. Although it was not before XXXX XXXX, and I am not sure of repeated calls because I don't answer numbers I do not know, this is still worthy of a complaint. The call was inappropriate as it is XXXX XXXX and many people in particular XXXX are celebrating. We were considering attending church with my XXXX parents, but did not because I was not feeling well. If we would have, this phone call could have potentially been during seating for a church service, for many members in the XXXX. Aside from this, even if XXXX was not involved it is still considered a XXXX. I asked why they were calling on the night before XXXX and he said " So why is this day so important '' it's a time of family gathering and many people are also more prone to XXXX this time including myself as loved ones have passed on. Also, I could not understand this person clearly. I would not acknowledge I was the person they were looking for, would not acknowledge a debt and told them I considered what they were doing harassment as Holidays should be considered off limits. It's common sense. They are preying on people thinking they will get money from the holidays to pay them, when most people can barely make it right now and are likely broke from getting kids stuff. I still am unsure I owe what they say I owe and find their practices shady, harassment, inconsiderate, upsetting, anxiety inducing and ruined my XXXX XXXX. The man on the phone, his aggressive demeanor, and lack of awareness was beyond rude. He even asked for personally identifying info and demanded I confirm info without any real way for me to tell if he was oer say a scammer. I still do not acknowledge this debt as mine, and think rules need implemented to stop them from these abusive practices.He also scared my young son, as he could hear the convo and the man. As for this instance, even if I did owe a debt, which I do not acknowledge, it should be removed for the complete lack of common sense and decency, aggressive demeanor of the agent, lack of cultural or religious respect, aggressive tactics, and possibly even an XXXX violation due to XXXX rights and the anguish he caused myself and my children on this special night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX I had fraud on my checking account. There were atm, XXXX, XXXX to XXXX XXXX and other transactions. All my credit cards had the same transactions at the same time as my checking. So XX/XX/XXXX I went into the bank and opened a new account. I left the old account open only for direct deposit because I'm on XXXX XXXXXXXX and they take forever to switch a new direct deposit and didn't want to miss it before XXXX. About a week or 2 after I opened the new account I walked into the bank to transfer funds from savings to checking and they told me they have a hard hold on all my accounts and were scheduled to be closed. The bank gave me the number to fraud prevention I called them and all they would tell me is I'll get a letter and a check for the money in my accounts. They wouldn't say why they are closing or when. They never even notified me in writing that they are closing my accounts. So in the meantime I need money from my savings to pay bills and can't even get my own money out of the bank. They are ruining my credit because payments are going to be late and I have to pay XXXX for my health insurance if I don't pay on time they will drop me and I've had XXXX XXXX XXXX scheduled for months now. I have to have this XXXX to go back to work. I'm only getting XXXX x XXXX a month that's why I need money out of savings and they won't let me take any money out. I still don't know when they will decide to close my accounts not have I received anything in writing from them??? 
It's not there money to be holding until they feel like sending it to me. I have bills to pay and they aren't getting paid. I've already spoke to customer service, the branch manager in XXXX, and fraud prevention and not getting any answers from them. I don't know what's going on but it was me the fraud was done to so why am I having these issues. Its not right and I deserve an estimate of time as to when they are sending me money and why they are closing my accounts. This whole thing is not right and I knew I should have banked somewhere else. I've never had this happen to me and I'm XXXX XXXX XXXX. As far as I'm concerned I will tell everybody what the bank is doing and I'll make it public.if I have to go to the local news I will if I don't get answers and quickly.

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 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
We hereby dispute the alleged debt in its entirety with LVNV Funding LLC. We request that all collection efforts cease until LVNV fully complies with the requirements of the Texas Finance Code. We require the following documentation : * Full chain of title/bill of sale.

* Complete chain of custody.

* All account statements.

* Full itemized monthly statements, including my specific account number ( or a redacted number ), not generic portfolio spreadsheets.

* Original signed contract or application bearing my name and signature, or electronic contract acceptance.

* An account showing how the balance increased, how interest was calculated, whether fees are authorized by contract, why they claim a different balance than the statement they sent, the date of last payment, and the charge-off date.

This information is required today to determine whether the debt is time-barred under the Texas Civil Practice & Remedies Code Subsection 16.004 . Proof of authority to collect in Texas Under Texas Finance Code Chapter 392, they must provide proof of bonding and authorization to collect in Texas. Investigate complete and provide written results and provide all requested documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX. XXXX. I PRESUME THAT NO PROOF OF THE ALLEDGED DEBT, NOR THEREFORE EXISTS PUSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4.

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 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am receiving credit card statements under my name and address from capital one QuickSilver credit card this is not my credit card I dont know this credit card not mine I called capital one they are doing investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TN

Complaint narrative:
LVNV Funding LLC is reporting four collection accounts inaccurately. LVNV is listed as the original creditor, which is false. These are purchased debts, not original accounts.

The accounts are reported as open collections without proper documentation of ownership, assignment or a valid consumer agreement.

I dispute the accuracy ownership and reporting of all four accounts. LVNV has failed to provide competent evidence under the FCRA and FDCPA.

I am requesting immediate deletion of all four LVNV Funding LLC accounts from all consumer reporting agencies due to inaccurate and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XX/XX/year> ( XX/XX/XXXX and the days after ), I was attempting to place a Security Freeze on my credit to prevent identity theft. I was supposed to be able to do so by creating an account with Experian. However, their system entirely prevented me from creating an account, without telling a reason or suggesting any possible solution. I tried to reach out to them by calling, but their automated-response system constantly hung up on my call and completely left me no way to talk to a representative. 

When I switched from phone to computer to sign up, I found out that I could mail or submit documents online to request the Security Freeze on my account. I personally couldn't afford mailing, so I submitted my documents online, including the request, my government-issued ID, and a bank statement verifying my address. I even explained my issue in the request and asked for their assistance. Nevertheless, there was completely no response from Experian. I waited a month, and there was no email nor mail, even though I included my email and my mailing address on the request. 

I thought my credit was not frozen due to their unresponsiveness, so I recently tried to apply for an auto loan. I was asked to lift my Security Freeze. Only by then did I realize that my credit was frozen. However, they froze my credit without notifying me, even though I requested my credit to be frozen. 

I wanted to temporarily lift my credit. Nevertheless, I was required to provide the Security Freeze PIN that was supposedly given to me when I placed the Security Freeze. But I got nothing from them, so there was no PIN that I could provide. The whole process dealing with Experian is extremely time-consuming and frustrating, unlike other credit bureaus such as XXXX  or 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 2025-12-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm a victim of identity theft. Fraudulent account was removed from my credit report and then reinserted. XXXX XXXX Bank XXXX was reinserted by Experian.

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 2025-12-24 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CA

Complaint narrative:
Procollect is using unethical behaviors, intimidation, and deceit to force me into paying a debt that I do not owe. Procollect in its own submission to the CFPB stated thaXXXX XXXX XXXX XXXX XXXX  has cancelled the debt and that Procollect has sent a letter to me, which I have not received, informing me about the closure of the collection balance of {$3700.00} by XXXX XXXX. 

I have not received this letter and Procollect is still harassing me to pay this debt. I have attached to this email Procollect 's submission to the CFPB stating in its own submission that the collection balance has been closed and that Procollect has sent me a letter regarding this. Please CFPB I am pleading with you to hold Procollect accountable regarding my complaint.

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 2025-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I am submitting this complaint regarding Mountain Land Collections continued attempts to collect and furnish multiple medical collection accounts that have not been properly validated despite repeated written requests. 

In XX/XX/year>, I sent a written debt validation request to Mountain Land Collections via certified mail regarding several alleged medical collection accounts they are reporting. Mountain Land Collections responded with a generic boilerplate letter that did not include competent evidence of the debts.

I sent a second written validation request shortly thereafter, again via certified mail, citing my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Mountain Land Collections again responded with a substantially identical boilerplate letter that failed to provide legally sufficient validation.

Although I no longer have copies of my first two written requests, I do have certified mail receipts confirming delivery of those requests and written responses from Mountain Land Collections acknowledging and responding to them. 

On XX/XX/year>, I sent a final written notice via certified mail giving Mountain Land Collections ten ( 10 ) days to either provide complete validation or cease collection activity and request deletion of the accounts from all consumer reporting agencies. A copy of this final notice is attached.

Mountain Land Collections did not respond to the final notice within the stated period and has ceased responding altogether. Despite this, the company continues to furnish and verify the disputed accounts with consumer reporting agencies.

The responses provided by Mountain Land Collections do not include a signed agreement, itemized medical billing, proof of assignment or authority to collect, documentation supporting the addition of interest, or a description of the method of verification used.

I am requesting that Mountain Land Collections be required to either provide competent evidence substantiating the alleged debts and the method of verification used, or delete the accounts from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors
State: NV

Complaint narrative:
I sent a certified debt validation request on XX/XX/year> for a {$4200.00} medical collection from National Business Factors ( original XXXX XXXX XXXX bill ~ {$3000.00} ). They received it XX/XX/year> but responded XX/XX/year> claiming " insufficient information '' while providing XXXX  proof no hospital bill, no payment history, no assignment, no fee justification. 

My request included full identifying info and specific demands. This violates FDCPA validation requirements ( XXXX XXXX. XXXX ). The account remains on my reports as unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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