vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: SC

Complaint narrative:
I didn't give the following companies permission to pull my credit XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
Please see attached documentation, which provides full information. I have been going back and forth on the debt collection effort from XXXX XXXX XXXX since XXXX of this year. 
In summary, XXXX XXXX claims I had no health care coverage during the date of service on XXXX This is fallacious. I have interacted with XXXX XXXX XXXX XXXX several times to confirm I XXXX ) indeed had health insurance during this time period and 2 ) do not owe any monies related to this claim. 

This dispute is between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I do not appreciate being harassed continually for monies I do not owe, and being threatened with the ramifications of having an unpaid debt. This is unconscionable and I have never been referred to a debt collection before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
LVNV Funding LLC Subject : Second Demand for Debt Validation and Immediate Deletion of Account Cease & Desist Notification To Whom It May Concern : This letter serves as my second formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and Pennsylvanias Fair Credit Extension Uniformity Act ( FCEUA ), 73 P.S. 2270.1 - 2270.6, regarding your continued reporting and collection activities on the alleged debt account listed below : Creditor : LVNV Funding LLC Original Creditor : Resurgent Capital Services Account Number : XXXX Reported Status : Charged-off / Outstanding Balance You have failed to provide sufficient legal validation of this alleged debt following my initial request, yet you continue to report this account on my credit reports and/or pursue collection. This is a direct violation of both federal and Pennsylvania state laws.

I hereby demand the following, effective immediately : 1. Cease and desist all collection activity, including reporting to any credit bureau, contacting me by phone or mail, or assigning or selling this debt to another entity.

2. Provide legal validation of this debt, including : A copy of the original contract with my wet signature ; A full itemized account history showing how the balance was calculated ; A full chain of title showing how LVNV Funding LLC legally acquired the debt from the original creditor ; Proof that you are legally licensed to collect debts in the Commonwealth of Pennsylvania per 73 P.S. 2270.5 ( b ) ; A copy of your license or bond filed with the PA Department of Banking ( if applicable ).

3. Delete and remove this account from all consumer reporting agencies, including but not limited to XXXX XXXX and XXXX, within 15 days of receipt of this letter. 



If you can not fully validate this account with the legally required documentation, you are required by law to : Cease all collection activities immediately ; Delete the tradeline from all credit reporting agencies ; Refrain from any further contact, including sale or assignment of this account.

Failure to comply will result in : A formal complaint with the Pennsylvania Attorney Generals Office Bureau of Consumer Protection ; A complaint with the Consumer Financial Protection Bureau ( CFPB ) ; Legal action for violations under the FDCPA, FCEUA, and the Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), 73 P.S. 201-1 et seq., which permits treble damages and attorneys fees for unfair or deceptive business practices.

This letter is written without waiver of my rights and is a formal notice. You are now on legal notice of my dispute and your statutory obligations.

You have 15 calendar days to respond from the date of receipt of this letter.

Sincerely, [ Your Full Legal Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
SouthState bank closed my checking account on XXXX XXXX with no notice, the account has all bills, automated from this account every month, the closure of this account has harmed me financially. 
This is not the ideal experience with a financial institution!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Fourth and Final Demand Unverified and Unsubstantiated Debt Reported by Midland Credit Management Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Midland Credit Management , Inc., who is reporting an alleged debt on my XXXX and XXXX  credit reports with no legal proof of ownership, no contract, no validation, and no legitimate authority to collect or report this debt. 

This is now my fourth attempt to dispute and resolve this matter, and the company continues to violate federal law by maintaining and verifying unverifiable data. 

Account Details : Furnisher : Midland Credit Management Balance : {$1500.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Account Number : XXXX Reporting Bureaus : XXXX XXXX XXXX Federal Law Violations : FCRA 15 U.S.C. 1681i ( a ) Credit bureaus and furnishers must conduct a reasonable reinvestigation and delete information if it can not be verified. No evidence was provided in response to my repeated disputes. 

FCRA 15 U.S.C. 1681e ( b ) Credit bureaus must ensure maximum accuracy of the data reported. Reporting a collection account with no verified documentation or proof of liability is a failure to meet this standard. 

FCRA 15 U.S.C. 1681b ( a ) ( 2 ) There is no permissible purpose shown for this company to access, furnish, or maintain this information without proof that this debt is valid and contractually tied to me.

FCRA 15 U.S.C. 1681a ( w ) Misreporting or omitting key consumer information in credit files misrepresents the account history and violates accuracy obligations.

FDCPA 15 U.S.C. 1692g ( a ) and ( b ) Midland Credit Management never provided proper validation of the debt within 30 days of being requested to do so. No original agreement, chain of assignment, or legal basis to collect has been submitted.

FCRA Civil Liability 15 U.S.C. 1681n and 1681o XXXX XXXX and Midland are all subject to civil liability for willful and negligent noncompliance with the FCRA, which has now occurred four times.

Metro 2 Compliance Violations The furnisher is in noncompliance with Metro 2 standards, including failure to properly code the account with accurate fields such as : Consumer Information Indicator ( CII ) Account Type ECOA Codes Date of First Delinquency These coding errors result in misleading or false reporting of the account. 

No Proof the Debt is Mine : I have not received : A signed contract or legally binding agreement Validation of the original creditors debt Proof of ownership or legal chain of assignment to Midland Credit Any form of debt validation under FDCPA 1692g ( b ) Simply verifying the account without providing any legally acceptable evidence is not compliance. It is abuse of the consumer reporting system and a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On following days I have disputed and asked for debt valuation on the following accounts with XXXX, XXXX, XXXX and XXXX from XXXX XXXX XXXX XXXX XXXX XXXX  either have provide me with information. on the following accounts both navy federal cu and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I had activated an Amex offer through the app that provided {$50.00} back on a purchase of {$290.00} or more. After activating the offer, I made a qualifying purchase of {$300.00} on the XXXX website. However, I have not yet received the {$50.00} statement credit as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-06-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
There is a car on my credit. My ex husband stole a car that had both of our names on it i believe. I left him & he wanted revenge. He never brought the car back and he brought it to the shop and we had a bad rain out/flood and the car flooded at the dealership. They called me because he wasn't answering his phone to tell me that the car was flooded. I was still paying on the car & i told them to take it back. Another credit in there is from a car that my stepdad cosign w/ me on. I was in XXXX and he was mad and asked me to come park the vehicle back at his house... i did and i stopped paying the note because they took the car away from me. It then got repoed. This car also had a bad deal on pricing, there was a company called cowboys and they were ripping people off, about XXXX  years later they closed the account completely! Conns- they are asking for the entire balance because they went out of business. We could do a payment plan, that'll be great honestly! Students loans - I'm currently unemployed... if we can get these forgiving at the moment that'll be great

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 monetary relief
Consumer complaint received 2025-06-30 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: NV

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent Capital Services Compliance Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Dispute of Account Request for Deletion Due to Identity Theft and Inadequate Validation Account with LVNV Funding LLC / XXXX XXXX XXXX To Whom It May Concern, This letter is in direct response to your recent communication regarding the above-referenced account. You have provided billing statements but failed to supply any legally valid evidence that I opened this account, such as : - A signed contract or application - My written authorization to open this account - Verified documentation proving this debt is mine As such, this does not satisfy debt validation requirements under the Fair Debt Collection Practices Act ( FDCPA ) 809. 

Additionally, I am providing an official identity theft report, which outlines prior instances of unauthorized use of my personal information. While this specific account was not listed at the time of the initial filing, I now believe this account may have been fraudulently opened.

Accordingly, I am invoking my rights under FCRA 605B and demanding that LVNV Funding and Resurgent Capital Services : 1. Immediately block and delete this account from all consumer credit reporting agencies ; 2. Cease any further collection activity related to this disputed debt ; and 3. Confirm removal in writing within four ( 4 ) business days of receiving this notice and identity theft report. 
Should you fail to comply, I will escalate this matter to Federal Trade Commission ( FTC ), and California Attorney General 's Office.

This redacted ID and report are provided solely for verification under FCRA 605B. They may not be used for any other purpose. 


Enclosures : - Identity Theft Report - Government-issued Photo ID ( Redacted )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: MO

Complaint narrative:
The car company is reporting inaccurate information they reported to late payments that is incorrect asked for proof of 30days late I have disputed this information with the credit bureau and have received response from all but one company XXXX  they removed from credit profile once then started reporting the inaccurate information after I showed the Payment receipt for the dates in response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I have been exposed to Identity Theft and informed agencies a while ago. However Equifax , Inc has unlawfully reinserted accounts onto my consumer credit report without proper validation or compliance with statutory requirements. The accounts in question : XXXX XXXX XXXX ( no valid contract or enforceable security interest under Texas UCC 9.203 ( b ) ), XXXX XXXX XXXX ( no wet-ink signature, no verified identity documentation ), XXXX XXXX ( No legally binding agreement per Texas UCC requirements ) XXXX XXXX ( No legally binding agreement per Texas UCC requirements ) XXXX XXXX XXXX ( No signed credit application or original contract ), The accounts have been reported and reinserted without supporting documentation, including any legal proof of indebtedness, contractual agreement, or permissible purpose and federal consumer protection laws. The repeated re-reporting of unauthorized, unverifiable, and illegitimate accounts is a blatant violation of federal law, the Texas Business and Commerce Code ( UCC ), and my fundamental consumer rights.

Company response to consumer: Closed with non-monetary relief