vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Received hundreds of offers from companies promising money but being denied and my credit score was affected tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX This letter shall serve as formal notice of my intent to file a complaint with the FTC , due to your blatant and objectionable disregard of the law. You claim to have somehow verified erroneous information ; therefore, I legally requested a description of the procedures used to verify this information.

As indicated by the attached copy of the letter and mailing receipt, on [ Insert Date on Receipt ] you received and accepted through registered mail my procedural request letter dated [ Insert Date of Your Letter ]. To date you have not responded to this request and have thus not done your duty as mandated by law.

Federal law requires you to respond within 15 days, yet you have failed to respond and it has been over 30 days. Failure to comply with these federal regulations by credit reporting agencies is investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX -- / -- -- / -- -- / -- {$1500.00} {$1500.00} {$1500.00} * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX Enclosed is a copy of my drivers license, SS card and third form of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect has reported a debt collection on my credit report stating that I did not pay XXXX XXXX a balance of {$240.00}. However, this payment was made on XX/XX/year>. Since then, there has been a change in management at The Cottages, and it appears there is no one available to confirm that our payment was received. As a result of this error, my family and I are currently without housing, and we have been actively disputing this matter since it first occurred.

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 2025-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the excessive and improper interest charges that have been applied to my account over the past year. Specifically, I have been charged interest of {$100.00} or more multiple times per month, typically two to three times, which significantly exceeded the rate I understood to be applicable under my contract.

Due to these recurring and unjustified charges, my monthly payments were not fully credited toward my outstanding principal balance. This resulted in an inaccurate and inflated past-due status on my account. Consequently, my vehicle was repossessed despite consistent efforts to submit payments. 

The repossession had severe personal and financial consequences. I lost my primary source of transportation which directly led to the loss of my job and ultimately eviction from my home. Within only XXXX hours of repossession, my vehicle was transported to another state to be prepared for auction, which created further hardship. In order to recover my vehicle, I was forced to pay approximately {$500.00} for transportation to Ohio, in addition to {$380.00} in fees to obtain my auction key and personal belongings. 

I later received a letter stating that I am no longer responsible for paying the remaining balance of approximately {$9700.00} due to the decreased value of the vehicle. While I acknowledge this notice, it does not resolve the underlying issue that the account was mishandled, improperly charged, and escalated into repossession. 

I respectfully request a full investigation into the excessive interest charges, misallocation of payments, and the resulting negative actions taken on my account. I am seeking fair resolution, including correction of my account history and compensation for the substantial financial and personal damages incurred due to these errors. 

Thank you for your prompt attention to this matter. I look forward to a timely response and a satisfactory resolution. 

Sincerely, XXXX XXXX Account XXXX : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2025-10-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a negative notification from Experian credit reporting on a XXXX XXXX XXXX account for a XXXX I previously volunteered repossessed with them. It's been four years, approximately XXXX. After the notification, I called and spoke to a representative on XXXX about the report on my credit report. I spoke to a representative and was informed that the car was sold, and it left a balance of over XXXX that the company decided to charge off without any notification to me. I asked why I wasn't contacted and was told that my business was done with them, I owed them no money and it has been closed. I received no communication about this account, I was never informed the car was sold back in XXXX  and never got a chance to resolve the matter, so it shouldn't have been put on my credit report. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681, 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete or Remove the account.

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 2025-10-24 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: GA

Complaint narrative:
I received a negative notification from XXXX  credit reporting on a XXXX XXXX XXXX account for a XXXX I previously volunteered repossessed with them. It's been four years, approximately XXXX. After the notification, I called and spoke to a representative on XXXX about the report on my credit report. I spoke to a representative and was informed that the car was sold, and it left a balance of over XXXX that the company decided to charge off without any notification to me. I asked why I wasn't contacted and was told that my business was done with them, I owed them no money and it has been closed. I received no communication about this account, I was never informed the car was sold back in XXXX  and never got a chance to resolve the matter, so it shouldn't have been put on my credit report. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681, 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete or Remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
I received a negative notification from XXXX  credit reporting on a XXXX XXXX XXXX account for a XXXX I previously volunteered repossessed with them. It's been four years, approximately XXXX. After the notification, I called and spoke to a representative on XXXX about the report on my credit report. I spoke to a representative and was informed that the car was sold, and it left a balance of over XXXX that the company decided to charge off without any notification to me. I asked why I wasn't contacted and was told that my business was done with them, I owed them no money and it has been closed. I received no communication about this account, I was never informed the car was sold back in XXXX  and never got a chance to resolve the matter, so it shouldn't have been put on my credit report. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681, 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete or Remove the account.

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 2025-10-24 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-24 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: NY

Complaint narrative:
You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalidated Credit Information and 15 U.S. Code 1681e ( b ) Compliance Procedures to Ensure Maximum Possible Accuracy. You are reporting inaccurate and incomplete information on my credit report and I demand an immediate investigation to resolve all inaccuracies or delete them entirely. My correct and verifiable address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, my correct name is XXXX XXXX, and my correct date of birth is XX/XX/1989. Remove all other addresses and phone numbers from my report as they are inaccurate and not deliverable by the U.S. Postal Service. The incorrect address XXXX XXXX XXXXXXXX XXXX is a typographical error that violates FCRA 1681e ( b ) and 607 ( b ), requiring maximum possible accuracy, and must be deleted permanently, retaining only the correct spelling XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. The address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is also inaccurate and unauthorized, violating FCRA 1681e ( b ) and 607 ( b ), and must remain permanently deleted without reinsertion. The employer entries XXXX XXXX XXXX XXXX XXXXXXXX are false, unverifiable, and violate FCRA 1681e ( b ), 607 ( b ), and 609 ( a ) ( 1 ) ( A ) ; they must be permanently removed. I did not authorize any of the companies listed to make inquiries or access my credit file, which constitutes a violation of FCRA 1681b ( c ) ; provide documentation bearing my signature authorizing each inquiry, or remove all unauthorized ones immediately. I also demand verification or deletion of the following accounts as they are inaccurate, inconsistent, and unverifiable : XXXXXXXX XXXX DXXXX XXXX XXXX XXXX XXXX  XXXX. These tradelines show contradictory data across all three bureaus, violating FCRA 1681e ( b ) and Metro 2 standards, and remain unverified despite ongoing CFPB complaints. Under FCRA 611 ( a ) ( 5 ) and 623 ( a ) ( 2 ), unverifiable information must be deleted. Additionally, I am disputing the reported late payments on Royal Prestige and XXXX XXXXXXXX XXXX  as they are inconsistent, unsupported, and represent billing errors under 15 U.S. Code 1666 ( b ) of the Truth in Lending Act. Reporting a late payment without a verified billing notice 21 days prior violates federal law and must be corrected to Pays as Agreed or deleted. Continued reporting of inaccurate, unverifiable, or false data after notice of dispute constitutes willful noncompliance under FCRA 616617. These violations have been submitted to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission for further action. Update or delete all disputed information immediately to comply with federal law and avoid further liability under 15 U.S.C. 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Subject : Formal Complaint and Cease and Desist Notice To Whom It May Concern, I am writing to file a formal complaint against any company or entity attempting to collect or report an alleged debt in my name. I do not owe this debt and have already disputed it with the credit bureaus and creditors.

I am a victim of identity fraud and currently homeless. This continuous harassment and false reporting must stop immediately. There is no valid or lawful contract between me and the alleged creditor or collector. Any further attempts to collect, communicate, or report false information constitute violations of federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I hereby demand that all communication cease immediately. You are to remove or block any inaccurate or fraudulent information from my credit report.

All rights are reserved under UCC 1-308 and UCC 3-603 . I retain my position as Executor and Trustee, and no security interest or obligation exists with any third-party company.

This alleged debt has been referred to the U.S. Department of the Treasury for handling under remittance and discharge procedures. Since the Bankruptcy of 1933, Congress established that all debts are to be handled through the government, not private entities. Therefore, any continued attempts to pursue or report this account are unlawful and will be documented as harassment and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Disputed transactions from a scam made on my account and was denied

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 2025-10-24 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: NJ

Complaint narrative:
To Whom This May Concern, I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information, I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name, then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: TN

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account on my TransUnion report still shows a dispute remark even though the dispute has been resolved. I am no longer disputing this account, and I have already contacted XXXX to request removal of the remark. 

The dispute notation remains on my TransUnion file, which is creating problems with my current credit applications. I request that TransUnion update my report to remove the dispute comment and accurately show that I am not disputing this account.

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