vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Resurgent Capital Services, LVNV Funding, and the law firm XXXX XXXX XXXX have engaged in ongoing and questionable debt collection practices regarding my account. XXXX XXXX XXXX previously sued me and obtained a default judgment. Since then, they have been collecting payments from my account and forwarding them to Resurgent Capital Services since at least XXXXyet continue to claim they have not received any funds. 

Most recently, they intercepted over {$920.00} from my Michigan state tax refund. Despite having official proof from the State of Michigan confirming this payment, they refuse to acknowledge receiving the funds and have not applied it toward the balance. They also continue to refuse to issue a Satisfaction of Judgment, even though they are actively collecting. 

Resurgent Capital Services will only confirm payments verbally and refuses to provide a written payment history. Meanwhile, they and LVNV Funding continue to report false and inflated balances to the credit bureaus, misrepresenting the amount owed. Additionally, they are attempting to collect interest beyond the allowable statutory period. This ongoing pattern of misrepresentation, non-transparency, and refusal to properly credit payments appears deceptive, unethical, and potentially unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$0.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Balance : {$3100.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Balance {$2800.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Balance {$410.00} Open Date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-02 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: IL

Complaint narrative:
I am submitting this as a formal response to continued stall tactics by the bureaus listed in this complaint. I have already provided my government-issued identification, utility bill, and the last four digits of my Social Security number in the first XXXX complaint submissions. 

It is completely unacceptable, and in violation of FCRA procedure, to repeatedly request the same identification documents for the same ongoing dispute especially when the dispute has already been documented and acknowledged.

Let me be very clear : Once the dispute letters are received, your 30-day reinvestigation period under FCRA 611 ( a ) ( 1 ) begins immediately. That clock does not pause or reset just because you failed to act or chose to stall by requesting documents you already have on file. 

You are now in willful noncompliance. I will not be re-uploading my personal documents repeatedly for each complaint. You have the evidence. You have the disputes. You are out of time. 
The law is clear, and the burden of proper reinvestigation is on you not on the consumer to jump through redundant hoops. 

I demand full deletion of all disputed accounts, and this matter will escalate to civil claims for every single violation, if this continues.

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 2025-06-02 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: IL

Complaint narrative:
I am submitting this as a formal response to continued stall tactics by the bureaus listed in this complaint. I have already provided my government-issued identification, utility bill, and the last four digits of my Social Security number in the first XXXX complaint submissions. 

It is completely unacceptable, and in violation of FCRA procedure, to repeatedly request the same identification documents for the same ongoing dispute especially when the dispute has already been documented and acknowledged.

Let me be very clear : Once the dispute letters are received, your 30-day reinvestigation period under FCRA 611 ( a ) ( 1 ) begins immediately. That clock does not pause or reset just because you failed to act or chose to stall by requesting documents you already have on file. 

You are now in willful noncompliance. I will not be re-uploading my personal documents repeatedly for each complaint. You have the evidence. You have the disputes. You are out of time. 
The law is clear, and the burden of proper reinvestigation is on you not on the consumer to jump through redundant hoops. 

I demand full deletion of all disputed accounts, and this matter will escalate to civil claims for every single violation, if this continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$230.00} INQUIRIES : XXXXXXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing this formal complaint against CREDIT COLLECTIONS for multiple violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) in connection with a collection account they are reporting on my credit file.

Here are the specific violations and consumer harms I am alleging : 1. Failure to Validate Debt ( FDCPA 809, 15 U.S.C. 1692g ) I exercised my right under the FDCPA to request full and complete validation of the alleged debt being reported and collected by CREDIT COLLECTIONS Despite my written request, CREDIT COLLECTIONS failed to provide : A signed agreement bearing my signature ; A detailed accounting of the alleged amount owed; Proof they are legally authorized to collect this debt ; A copy of the original creditors documentation proving the debt is valid and accurate.

Until such validation is provided, no collection activity or credit reporting is permitted by law.

2. Reporting Inaccurate and Unverified Information ( FCRA 623, 15 U.S.C. 1681s-2 ) CREDIT COLLECTIONS is reporting information to the credit bureaus without verifying its accuracy, in direct violation of the FCRA. 
When I disputed the account with both CREDIT COLLECTIONS and the credit reporting agencies, CREDIT COLLECTIONS failed to conduct a reasonable investigation and continued to furnish the disputed information, despite not validating it.

3. Failure to Mark the Account as Disputed ( FCRA 623 ( a ) ( 3 ) ) CREDIT COLLECTIONS has not marked the account as disputed with any of the major credit bureaus, even though I sent a formal written dispute. This is a clear violation of the FCRAs requirement to report an account as disputed once the consumer challenges its accuracy.

4. Potential Re-aging of the Account ( FCRA & FDCPA Violations ) The date of last activity or first delinquency appears to have been manipulated to keep the collection account on my credit file longer than legally allowed, which constitutes illegal re-aging. This is a deceptive practice and violates both the FDCPA and FCRA.

5. Continuing to Damage My Credit With Unverified Information ( FDCPA 807 False Representation ) CREDIT COLLECTIONS is continuing to misrepresent the legal status of the debt by reporting it to credit bureaus without proof that the debt is valid or owed by me, which violates FDCPA 807.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I purchased an item off of XXXX, an online auction site on XX/XX/year> I purchased an XXXX  XXXX FOR XXXX. I bought it from the seller XXXX ( XXXX XXXX ) off of XXXX. I used my American Express card for the transaction. 
I received the item XXXX and the item was not as described in the listing. The item was not functional and was not in the condition as promised, defective. I contacted the seller but the seller wouldnt respond. I started a claim with XXXX and XXXX told me to send the item back. All of a sudden, the seller started communicating with me and waiting me to lie to the manufacture and try to obtain warranty. I explained to the seller that the warranty is for the original owner which is him and not me. I am the second buyer of the item and the warranty would not apply to me. That I have documented between chat message of the seller and myself. I also bought this item as new and sealed which it was not and hence the reason of me returning this item. I used the pre-paid label that was sent to me via XXXX. The seller stated he received the item but it was different than what he sent me, which is a lie and fraud. I have proof that I sent the same item he sent to me back to him. The seller is committing retail fraud and I am the victim of their deceitful intentions. I have photos of the item with the serial number being mailed back to the seller. I contacted American Express and they refused to help me with my charge back even with the amount of proof I have of the seller lying and committing retail fraud and not issue me my refund and or charge back. 
I am filing this complaint with the CPFB to some help against American Express for ignoring this blatant seller and help me recoup my funds from a retail fraud that I have become the victim of. I filed a police report with the XXXX XXXX XXXX department on XX/XX/year>. I also filed a IC3 FBI Internet crime complaint/report on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

Company response to consumer: Closed with non-monetary relief