vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXX/XX/year> Last 4 of SSN : XXXX To : Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Dispute of Unauthorized and Inaccurate Accounts under FCRA 15 U.S.C. 1681b and IRS Charge-Off Regulations Dear Experian Dispute Department, I am writing to formally dispute the following accounts that are being reported on my credit report without my lawful authorization and in violation of federal consumer protection and tax reporting laws : XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b, no consumer reporting agency may furnish a consumer report containing my personal credit information unless there is a permissible purpose under the law. I have not authorized any of the above entities to access or report information about me, and no valid permissible purpose exists for these entries. Your continued publication of this unverifiable and unauthorized information constitutes a willful violation of federal law.

Additionally, I am invoking IRS Publication 535 and 26 U.S. Code 6050P, which require financial institutions to issue IRS Form 1099-C for canceled or charged-off debts. If these accounts have been charged off and reported as such, they must be legally considered discharged income, and therefore can not be simultaneously listed as collectible debts on my credit profile. Doing so is a form of double-dipping, which is unlawful and deceptive under federal tax code and consumer law.

I am demanding the immediate deletion of these accounts from my credit report. This is your legal obligation under the FCRA if you can not provide full validation and proof that the data is accurate, current, complete, and that the entities involved had a permissible purpose.

Failure to comply with this request within 30 days will result in my pursuit of legal remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking relief in federal court for damages under FCRA statutes. I will not hesitate to initiate legal action if this matter is not resolved immediately.

Please send confirmation in writing that the disputed accounts have been removed or provide the required legal documentation verifying their validity, including original contracts bearing my signature and proof of permissible purpose.

Sincerely, 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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXXXXXX XXXX / XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Re : Request for Debt Validation under the FDCPA To Whom It May Concern : This is a formal request for validation of an alleged debt associated with Boot Barn and Comenity Capital Bank . I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and respectfully request the following : 1. The name and address of the original creditor.

2. The full amount of the alleged debt, including a detailed breakdown of charges, interest, and fees.

3. A copy of any agreement bearing my signature indicating responsibility for the debt.

4. Documentation proving your legal authority to collect this debt.

5. Proof that the debt is still within the applicable statute of limitations under California law.

I do not acknowledge this debt and will not make any payments until proper documentation is provided. Until then : You are to cease all collection activities.

You must not report this debt to any credit bureau.

If this debt has already been reported, you must notify the credit bureaus that it is disputed. 


Please respond to the address above with the requested documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX BANK XXXX XX/XX/year> {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX BANK XXXX XX/XX/year> {$500.00}

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 2025-05-25 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:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX BANK XXXX XX/XX/year> {$500.00}

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 2025-05-25 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: KY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: AZ

Complaint narrative:
THIS XXXX ACCOUNT BALANCE IS NOT ACCURATE, THIS ACCOUNT WAS PAID IN FULL BY A LUMP SUM PAYMENT, WITH LUMP SUM PAYMENT AMOUNT, PAYMENT DATE, ALL COMPLIED WITH & COMPLETED PER THE ACCOUNT TERMS & CONDITIONS. IN ADDITION TO THE ACCOUNT BALANCE DISPUTE, I HAVE NEVER RECEIVED ANY ACCOUNT STATEMENTS REFLECTING A BALANCE OWED, DUE, PAYABLE, OR IN ARREARS, WHICH IS A VIOLATION TO MY CONSUMER RIGHTS AND I DEMAND A COPY OF MY ACCOUNT BALANCE & PAYMENT HISTORY SO MY ATTORNEY CAN REVIEW, RESPOIND, TO EITHER LITIGATE THE DAMAGES FOR CAUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: UT

Complaint narrative:
Round Point Mortgage Servicing has purchased my house loan from another company. Within the first couple of months the transfer, this company has lost and never applied an entire month payment in XX/XX/year> that cause of several months of interest and late fees despite providing them with a proof of payment from my bank. When I sold the house and paid off the loan, they failed to send my escrow refund to the new address I have provided. When I kept calling to follow up, they only provided with a conflicting information why the escrow check was not sent out after an hour of waiting on the phone, and being put on hold constantly after a minute long interactions. Nearly impossible to reach anyone at the company after you pay off the loan. Failure to respond to emails even after they claim to escalate the issue. 
The email I have received after placing a complaint with XXXX, was pretty much gaslighting and refusal to return the payment they have misplaced. 
Absolute frauds across the company. XXXX reviews pretty much mirror my complaints. Are financial institutions allowed to steal funds after purchasing loans without customers consent?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: GA

Complaint narrative:
LVNV FUNDING LLC THESE ARE THE ACCOUNTS BELOW XXXX, XXXX, XXXX, XXXX These accounts are being placed on my credit report and I don't have an account with the company above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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 am reporting this account as inaccurate, incomplete, and not verifiable in compliance with the Fair Credit Reporting Act ( FCRA 1681i ). The furnisher has failed to provide a signed agreement, original documentation, or any verifiable evidence that proves ownership and reporting accuracy. Additionally, the account reflects improper status updates and re-aging practices. I demand a full deletion of this account from my credit report. Failure to comply may result in further legal action.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reporting this account as inaccurate, incomplete, and not verifiable in compliance with the Fair Credit Reporting Act ( FCRA 1681i ). The furnisher has failed to provide a signed agreement, original documentation, or any verifiable evidence that proves ownership and reporting accuracy. Additionally, the account reflects improper status updates and re-aging practices. I demand a full deletion of this account from my credit report. Failure to comply may result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Albert Corporation
State: WA

Complaint narrative:
I submitted a request to take out a cash advance with this company. They deny my request based on the fact that someone has stolen my identity and they opened an account under my name and apparently took out funds, and now they denying me services, as if I am the one who committed the fraudulent activity I submitted all documents explaining who I am and what my information is that along, was embarrassing enough, but then to be accused of stealing my own identity and opening an account fraudulently made it even worse.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I contacted each company and they stated that they could not give me any information at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian

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 2025-05-25 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: IL

Complaint narrative:
This complaint concerns a collection account reported by a debt buyer ( Account XXXX  XXXX ), showing a balance of {$500.00}. I have no record of entering into a financial agreement with this entity and, under the FCRA, 15 U.S.C. 1681i, I submitted a dispute and requested verification. No contract, signed agreement, or itemized statement has been provided in response within the required XXXX period. 

Reporting unverifiable debt violates the FCRA and also may constitute continued collection efforts without validation under the FDCPA ( 15 U.S.C. 1692g ). I am requesting that this unverified account be removed immediately from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a rental apartment property opened on XX/XX/year> under the account number with a balance of {$6200.00}. This account have resulted in a fraudulent collection appearing on my consumer FICO credit report. i do not recognize the aforementional collection as reported appearing on my consumer report maintained were not opened by me. I have a copy of FTC identity theft criminal complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer collection are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX fl XXXX [ XX/XX/year>XXXX  ] [ Discover BankXXXX XXXX XXXX  ] To Whom It May Concern, This letter is in response to a recent communication I received regarding an alleged debt referenced above. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and formally requesting validation of the alleged debt. 

Please provide the following documentation : 1. The name and address of the original creditor.

2. A complete itemized breakdown of the amount claimed, including all fees, interest, and charges.

3. A copy of the original agreement or contract with my signature, showing I agreed to the debt.

4. Documentation showing the full chain of title or assignment from the original creditor to your agency.

5. Information regarding any insurance or bond claims made or paid on this account. 

Until this information is fully provided, I request that all collection efforts cease immediately. Additionally, please refrain from reporting this debt to any credit reporting agency or, if reporting has already occurred, promptly remove any such entry until the debt is validated. 

Please be advised that continued collection activity without providing proper validation is a direct violation of the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
SPS has been removed from my escrow in XXXX because of this kind of fraudulent accounting they're doing i've asked them numerous times to do an analysis they have not done an analysis since XXXX and they say my escrow is negative i've never had a negative escrow in my life since my house is so much paid for then they put me in a forbearance assistance program and sent me said I signed paperwork never signed anything that was fraud in my name And my signature I guess then they also have on the payment histories contradicting themselves some refunds I never got from my escrow some say my escrow is negative then it doesn't say my escrow is negative they didn't pay my homeowners and they got canceled in XXXX of XXXX  apparently and they just let me know in XXXX of XXXX  did not have forest placed insurance put on there yet nothing that is not should not be what is happening they have seriously been ripping me off and and stealing my money and charging astronomical amounts of interest all these fees that is not true I have i'm I'm reporting it and I've been doing this for almost four years and this is really unacceptable I need it to be I have all the screenshots and all the proof of everything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation