vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX Name : ( XXXX XXXX ) Address : ( XXXX XXXX XXXX XXXX XXXX Collection Agency Name : Resurgent capital services L.P . 
Address : XXXX XXXX XXXX XXXX MI XXXX RE : Reference Number XXXX I am sending this letter in response to a letter you sent me on ( XX/XX/year> ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 
I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : XXXX. 
State what the money you say I owe is for XXXX. How did you come to determine that amount XXXX. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe XXXX. Show me the proof that you are licensed to collect in my state ; provide your license number XXXX. Provide me with proof that the statute of limitations have not expired XXXX. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must ha delated and removed immediately from my credit t Repost to followers ire attempts to collect this debt must stop. 
United States sincerelv. 
( XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because XXXXXX/XX/XXXX XXXXXX/XX/XXXX) and Equifax are reporting inaccurate, incomplete, and unverified information regarding the account * XX/XX/CARECREDIT Account XXXX, reported as a Charge Off with a balance of {$4900.00} on my Equifax credit report dated XX/XX/year>XX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX are reporting inaccurate, incomplete, and unverified information regarding the account XXXX XXXXXXXX XXXX Account XXXX, reported as a Charge Off with a balance of {$4900.00} on my XXXX credit report dated XX/XX/scrub>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 explanation
Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XX/XX/2024XACTUS LLC XX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-18 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: NC

Complaint narrative:
I am submitting this dispute statement regarding my credit report for the accounts listed below. I believe there are errors with the reporting of these accounts, and I request that the inaccuracies be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 



Charged-Off Accounts XX/XX/24XX/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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX'The elimination of disputed accounts must happen within legally set durationsXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : [ Todays Date ] TransUnion XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for 1099-C Filing Verification XXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing to formally dispute and request verification regarding the reporting of the following account on my consumer credit report : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Status : Collection / Charge-off Reported Balance : {$3800.00} Under the Fair Credit Reporting Act ( FCRA ), all information furnished to XXXX must be accurate XXXX complete, and verifiable. Because this account is reported as a charge-off, I am requesting that XXXX provide the following : 1. Verification of a Filed IRS Form 1099-C Please provide documentation or confirmation indicating whether the furnisher XXXX XXXX ) has issued or filed an IRS Form 1099-C Cancellation of Debt related to this alleged debt. 
If a 1099-C has been filed, the debt is considered canceled, and the balance must not be reported as collectible. In that case, please update the account to reflect a {$0.00} balance and correct any negative reporting inconsistent with a canceled debt. 

2. Method of Verification If no 1099-C exists, please conduct a reinvestigation and provide the method of verification, including : The name and department of the individual you verified the account with Copies of any documents used to verify the accuracy and current status of this account If the information can not be verified under FCRA 611 ( a ) ( 5 ), please remove the account from my credit file. 

Thank you for your prompt attention to this matter. Please send all responses to my mailing address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I am filing this complaint against Rent Debt Automated Collections for willfully and unlawfully reporting an eviction on my credit report in violation of multiple consumer protection laws. This eviction is being reported inaccurately and without proper documentation or legal authority.

Violations committed : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 16811 & 16815-2 ( b ) : The furnisher failed to conduct a reasonable investigation and continues to report unverifiable and misleading information.

2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e : The reporting of this eviction is deceptive, as no final judgment or public record proving I legally owe this debt has been provided.

3. Gramm-Leach-Bliley Act ( GLBA ) - Privacy Violation : The
agency is reporting alleged eviction information that may have been obtained improperly or without permissible purpose under 6801.

4. No proof of ownership or assignment of debt : The furnisher has not presented a lease, judgement, or chain of assignment to prove standing. 

Despite my previous disputes, this account remains on my credit file without verification or validation. I demand a full deletion of this eviction entry and a full investigation into the furnisher 's reporting practices. This account is damaging my ability to obtain housing and is being maintained without lawful justification. 
If this is not resolved immediately, I will escalate this matter with the FTC, state attorney general, and pursue civil action for willful noncompliance and credit defamation under 15 U.S.C. 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain accounts listed on my credit report. Please find the details of the accounts in dispute below. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Inquiries : XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
Dear Sir/Madam, I am filing this complaint to dispute inaccuracies in my credit report. Below are the accounts in dispute, separated by each bureau : Charged Off : XXXX, XXXX, XX/XX/XXXX, {$3900.00} XXXX, XXXX, XX/XX/XXXX, {$5500.00} XXXX, XXXX, XX/XX/XXXX, {$4600.00} Inquiries : XXXX, XX/XX/XXXX Late Payment XX/XX/XXXXXXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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 writing to dispute certain accounts listed on my credit report. I have found discrepancies and errors that I believe violate the Fair Credit Reporting Act ( FCRA ) and require investigation and correction. Please see the following details for each bureau : Charged Off Accounts :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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Top Line Collectors LLC
State: GA

Complaint narrative:
Here is a XX/XX/XXXX CFPB-ready text-box version XX/XX/XXXX you can paste directly into the complaint portal. It is concise, factual, and fits their required narrative format. 

-- - * * CFPB Complaint Text Box Narrative : * * I received a letter on XX/XX/year> from Top Line Collectors LLC stating they would accept {$7200.00} as a settlement for an alleged debt. This letter had a deadline of XX/XX/year>. The letter also stated that XXXX XXXX XXXX would delete their tradeline upon satisfaction. 

I have not received any prior validation of this debt. I do not have enough information to determine whether this debt is legitimate, accurately calculated, or legally collectible. Before considering any settlement or payment, I am requesting the verification required under the Fair Debt Collection Practices Act ( FDCPA ). 

I need the collector to provide : A detailed breakdown of the alleged balance The name and address of the original creditor and the original account number A copy of any contract or agreement bearing my signature Proof of ownership or assignment of the debt Confirmation that Top Line Collectors LLC is licensed to collect debts in my state Confirmation of whether the statute of limitations has expired Instead of providing validation, they sent a time-sensitive settlement offer and implied urgent action was needed. This raises concerns of potential FDCPA violations and possible Fair Credit Reporting Act ( FCRA ) issues if they are reporting or updating unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
it has come to my attention that multiple discrepancies exist in my credit report, and I demand immediate action to resolve these issues. If these discrepancies are not rectified without delay, I will take further steps to ensure your compliance with credit reporting laws. 

Charged Off Accounts :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 non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
XX/XX/XXXXThe deletion of disputed accounts shall take place within legally established durationsXX/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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Sports & Imports Auto
State: GA

Complaint narrative:
I am filing a complaint regarding the unprofessional conduct and unacceptable communication I experienced with a salesman at Sports & Imports Auto Sales in XXXX, Georgia. 
During a brief message exchange, I inquiredpolitely and respectfullywhether the dealership accepted trades or had customers who might be interested in purchasing items I was selling. Instead of providing a clear, courteous response, the salesman became increasingly dismissive and ultimately threatened to report me, despite my messages never containing threats, profanity, or harassment. 
This exchange reflects unprofessionalism, poor customer service, and an unnecessary escalation made by the dealership employee. A simple We do not assist customers with selling outside items would have resolved the situation, but instead, the employee responded with hostility. 
This was on XX/XX/year> 2025

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

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

Company response to consumer: Closed with explanation