vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
My personal information was compromised in a major data breach involving all three credit bureaus. As a result, my identity was stolen and used to open unauthorized accounts, submit false information, and damage my credit profile. I did not open or agree to these accounts. My legal name and address are also being reported incorrectly. I have submitted an identity theft report and have repeatedly contacted the credit bureaus to correct this, but the fraudulent information remains. I am requesting immediate removal of all inaccurate and unauthorized accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
{ I SENT THIS LETTER TO the debt collector as I HAVE NEVER ENTERED INTO AN AGREEMENT OR CONTRACT WITH THE COMPANY BELOW. } Dear Midland Credit Management, This letter is sent in response to : ( XXXX ) listings on my XXXX, XXXX, and XXXX Credit Report : Account # XXXX for {$830.00} Account # XXXX for {$430.00} Be advised this is NOT a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. Under these rules, verification requires all of the following : Proof of my agreement to pay the original creditor. 
A copy of the final account statement issued by the original creditor. 
A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of The Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information during which time all collection activity must cease and desist. Also, during this validation period, If any action is taken, which can be considered detrimental to any of my credit reports, I will consult my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

{ I AM DISPUTING THIS DEBT AS I HAVE HAD NO CONTACT WITH THIS COMPANY AND I HAVE NO KNOWLEDGE OF AN ACCOUNT WITH THE ABOVE PARTY }

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
The Creditor has not responded to the email I sent asking for a debt validation. But they continue to wrongfully serve my sister who lives in a different state. I have contacted the creditor to make sure they know where I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
Fraudulent Federal Student Loan taken out by perpetrator of identity theft * A person applied for and received $ XXXX in Federal Student Loans using my stolen idenity. 
* I have provided Mohela with all requested documentation to submit a loan discharge application to the US Dept of Education.

* The fraudulent account had been placed in forebearance by Mohela and requests for payments had been suspended. 
* I have received a bill for payment by Mohela while the account and fraudulent activity is being investigated prior to discharge. 
* I have been attempting to contact Mohela by phone and have spent over 10 hours on hold without being connected to anyone in authority at Mohela. 
* Mohela is acting in bad faith by preventing me from gaining access to a supervisor within a reasonable timeframe and I believe practicing predatory lending practices by sending me a request for payment associated with an account Mohela is aware is being investigated for fraud/identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/year> I send a dispute to Experian regarding the debt XXXX  a charge off on my credit it's now XX/XX/year> and the credit reporting agency hasn't responded to the complaint and I just checked my credit report and the XXXX account is still showing on my profile and it has been past 30 days. 

Per FDCPA Section 809 ( 15 U.S.C. 1692g ) which states a third-party debt collector is required to provide validation of the debt upon request. Also per FCRA Section 611 ( 15 U.S.C. 1681i ) which states that a credit reporting agency must investigate disputes and delete unverifiable information within 30 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 explanation
Consumer complaint received 2025-04-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
XXXX XXXX XX/XX/year>XXXX XXXX XXXXXXXX NY, XXXX Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report. According to my records, the following information is incorrect and should be investigated and corrected immediately. 

Disputed Item : Creditor Name : Conserve Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Balance Reported : {$27000.00} Date Opened : XX/XX/year> Inaccuracy : The date of account opening is listed as XX/XX/year>, but this is incorrect. It is not possible for an account to have a balance and be in collections as of XX/XX/year> if it was only opened in XX/XX/year>. This discrepancy suggests either a reporting error or misrepresentation of the accounts history. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this error be corrected or the account be removed from my report if the information can not be verified as accurate. Please conduct an investigation and provide me with the results in writing. 

I have attached a copy of my credit report highlighting the incorrect information for your reference. Please update my file accordingly and send me a corrected version of my credit report once the issue is resolved. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe of 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-02 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: CA

Complaint narrative:
Please be advised this is my LAST WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX ) Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified 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 2025-04-02 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: WI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint narrative:
From : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX, XXXX XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( Florida ) Dear CFPB Representative, I am writing to file a formal complaint against Citibank regarding the unjust closure of my business account and the subsequent withholding of funds totaling XXXX USD. The account in question, held under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account ending in XXXX ), was abruptly closed without prior notice or adequate explanation. Despite multiple attempts to resolve the matter directly with Citibank, I have not received a satisfactory response. 

Account Information : Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Branch : XXXX XXXX XXXX XXXX XXXX XXXX Florida Complaint Details : On XXXX, I was informed that my account had been blocked and subsequently closed without any notification or justification. As a long-time client of Citibank who has maintained the account in compliance with all regulations, this sudden action has caused significant financial disruption and distress. 

I have repeatedly requested an explanation and the immediate transfer of my remaining balance to my new XXXX account ( details provided to Citibank ), but Citibank has not complied with these requests. This has led to severe inconvenience and potential financial losses, as the funds are needed to finalize a real estate transaction. 

Requested Resolution : Immediate investigation into Citibank 's decision to close the account without notice. 

Prompt transfer of the balance of XXXX USD to my specified account. 

An official explanation from Citibank regarding the closure and the withholding of funds. 

I believe Citibank 's actions constitute a violation of customer rights and financial regulations. I would greatly appreciate your intervention to resolve this matter promptly. 

Thank you for your attention to this urgent issue. Please do not hesitate to contact me for further details or documentation. 

Sincerely, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Florida )

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 2025-04-02 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: EQUIFAX, INC.
State: MA

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my 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 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist.

Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
This company is alleging that it is a creditor that I do, have did, or done business with them. 

They are impersonating and created fraudulent assuming verified party of contracting with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
I recently reviewed my credit report and noticed an account that was not being reported accurately. I had XXXX late payments on an account that I actually paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has not had any late payments. I have attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> ). I am now requesting that you investigate this account and update these payments as paid on time immediately. Thank you for your understanding and prompt attention

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally dispute several inaccurate and unauthorized collection accounts appearing on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). Some of these collections appear on only XXXX or XXXX bureaus, indicating inconsistencies and inaccuracies. Additionally, I have reason to believe that certain collection agencies have obtained and reported my personal financial information without my consent, violating my consumer rights.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: MD

Complaint narrative:
15 U.S.C. 1692c, part of the Fair Debt Collection Practices Act ( FDCPA ), addresses communication in connection with debt collection, prohibiting debt collectors from communicating with third parties about a debt unless specific exceptions apply, such as the consumer, their attorney, or a credit.

I am not responsible for the debt claimed by the collector Oliphant, who persistently calls and harasses me. I am requesting that this debt be removed.

Company response to consumer: Closed with explanation