vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
To Whom It May Concern : I am formally requesting that you cease and desist from any further contact with me regarding the alleged account referenced in your communications until you have fully complied with the following requests for validation.

Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g, 1692c ), I dispute this alleged debt in its entirety and request proper documentation to establish : 1. Proof of Original Creditor Written documentation showing that you are the legal owner of this alleged debt or have been properly assigned it. A mere charge-off account or balance transfer does not constitute legal proof of ownership.

2. Wet Signature Contract A complete copy of the original agreement bearing my wet signature that created the alleged obligation. Photocopies, digital reproductions, or unsigned agreements will not suffice.

3. Full Accounting An itemized statement showing how the amount you claim was calculated, including all fees, charges, interest, and credits applied since origination.

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), you are prohibited from accessing or furnishing information to the credit reporting agencies without a permissible purpose. Unless you can provide the documentation requested above proving ownership and authority over this alleged debt, you do not have a lawful basis to report it, nor to obtain or use my credit information. 

Until such documents are furnished, you must cease all collection activities, including but not limited to phone calls, letters, negative credit reporting, or legal threats. Be advised that any attempt to collect or report without proper validation constitutes a violation of federal law, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

If you can not produce the requested documentation, you must : Cease collection immediately Remove any reporting of this alleged debt from all credit bureaus Confirm in writing that your office considers this matter closed This letter serves as my formal notice to you. Govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: LEXISNEXIS
State: NJ

Complaint narrative:
UPON, ME REVIEWING MY LEXIS NEXIS REPORT I NOTICED A BANKRUPTCY ON MY FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX, my XXXX prepaid card was stolen, and multiple unauthorized charges were made between XX/XX/XXXX and XX/XX/XXXX, at gas stations, fast food, and other merchants. I did not authorize any of these transactions. 

I filed a dispute with Branch on XX/XX/XXXX ( Dispute # XXXX ). On XX/XX/XXXX, XXXX sent me an email denying the dispute. They stated that because I did not report the transactions within 60 days, I am responsible for the charges. Their denial was based solely on timing, not on whether I authorized the transactions. 

I am requesting a reevaluation of my dispute, a proper investigation under Regulation E, and reimbursement for the unauthorized transactions. Branch has not provided any evidence that I authorized these charges. I have attached their denial email as documentation.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax just mailed me a credit report for XXXX XXXX XXXX. 
Equifax has this name attached to my SS # since XXXX  and repeated refuses to correct this misinformation. 
Is it not that this is the kind of business abuse that your agency is charged with making such a business correct and fining them as long as they do not? 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
Equifax, they are not updating my information nor, they are not correcting old information and address Experian. Are not allowing corrected information. The are also disavowing t he old address that I neverbstayed at please remedy the matters asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am a victim of XXXX XXXX  and XXXX XXXXXXXX a victim of identity theft and data breach Calvary portfolio services have been informed and keep selling my info and debt to other debt collectors who are harassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US BANKRUPTCY COURT that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CT

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CT

Complaint narrative:
My credit was breached and has inaccurate and fraudulant activity on all three credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
I am filing a formal complaint against Equifax for inaccurately reporting a late payment on my federally held student loan account while it was officially in forbearance. This has violated the Fair Credit Reporting Act ( FCRA ) 623 and 15 U.S. Code 1681s2 ( a ), as well as provisions outlined in CARES Act guidance.

This error has caused significant credit score damage and has materially affected my financial well-being, including being denied funding for real estate purchases. The same error had been corrected in a prior dispute and has since reappeared, constituting willful noncompliance under FCRA 1681n.

Attached are my forbearance confirmation and credit report showing the inaccurate remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-15 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: CT

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 2025-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, am formally disputing the collection account reported by National Credit Systems ( Account # XXXXXXXX XXXX XXXX  ) in the amount of {$610.00}, as it is the result of identity theft. I have never authorized, opened, or maintained any account with this company, nor have I received any benefit from the alleged obligation. This account is therefore fraudulent and must be removed from my credit file immediately. 

Under the protections afforded to me by federal law, I am exercising my rights as follows : 1.Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Pursuant to 1681c-2, I have the right to block and remove any information on my credit file that resulted from identity theft.

Under 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information and delete inaccurate or unverifiable entries.

Under 1681s-2 ( a ), furnishers of information are prohibited from reporting information they know or should know is inaccurate.

2.Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

According to 1692e, debt collectors may not use false, deceptive, or misleading representations in connection with the collection of a debt. Reporting a fraudulent collection account constitutes a direct violation.

Under 1692g ( b ), once a consumer disputes a debt in writing, collection activity must cease until verification of the debt is provided.

3.Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) This federal statute criminalizes identity theft and the fraudulent use of another individuals identifying information. Since I did not authorize this account, its presence on my credit file is evidence of unlawful identity theft.

4.Fair and Accurate Credit Transactions Act ( FACTA, Pub. L. 108-159 ) This law expands consumer rights to dispute inaccurate information caused by identity theft and obligates credit reporting agencies and furnishers to correct such information once notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Branch Messenger, Inc.
State: GA

Complaint narrative:
I am a XXXX  driver who earned {$280.00} through Uber between XX/XX/XXXX and XX/XX/XXXX. These funds were scheduled to be deposited into my Branch Bank account via Ubers payment system. However, I have been unable to access my earnings due to account lock, unprofessional behavior from customer agent, unexplained delay.

I contacted both Uber and Branch support multiple times but received no resolution.

After going through the ordeal of getting the Uber Pro card linked to my Uber driver 's app for automatic/instant payout with no success, I decided to use the cashout method I am left with until XX/XX/XXXX when i tried cashing out, I noticed the option was not available because the money was sent to the Uber  Pro card ( even though there was no account for it, according to a Branch agent ). I had to service my vehicle and purchase parts as regular maintenance which cost me approximately {$1500.00}. 
This issue has caused financial hardship and may violate consumer protection laws. 
I am requesting the CFPBs assistance in recovering my earned income and ensuring compliance from both companies. 

P.s. I have attached 3 files ( receipts ) for your review why it is important and urgent that I receive this money that is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding a fraudulent account that has been reported on my Equifax credit file. 

The account details are as follows : Account owner : Individual Account Original creditor : THE GUARANTORS Collection agency : NATIONAL CREDIT SYSTEMS INC, 3XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX, Phone : XXXX Date assigned : XX/XX/year> Date reported : XX/XX/year> Account status : Unpaid Creditor classification : Rental/Leasing Reported balance owed : {$2400.00} This account is fraudulent and was opened without my knowledge or authorization. I have never had any account, agreement, or obligation with either THE GUARANTORS or NATIONAL CREDIT SYSTEMS INC.

I have disputed this account directly with XXXX  as required under the Fair Credit Reporting Act ( FCRA ), including 605B ( Identity Theft Block ) and 611 ( Dispute Process ). Despite this, the account remains and is causing ongoing harm to my creditworthiness.

Additionally, under the California Consumer Credit Reporting Agencies Act ( CCCRAA ), Cal. Civ. Code 1785.16.2, I have the right to have fraudulent information blocked from my credit report. This right has not been honored. 
I am requesting that the CFPB investigate and compel Equifax and National Credit Systems Inc. to : 1. Permanently delete this fraudulent account from my credit file.

2. Provide me with full documentation, application records, and verification used to claim this debt belongs to me.

3. Cease all further reporting and collection activity related to this fraudulent account.

This fraudulent account is materially damaging my credit profile and I am exercising my rights under both federal and California law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
The pay day loan was originally {$300.00} but they sold the account to debt recovery solutions without my knowledge and added fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Bureaus, Inc.
State: MI

Complaint narrative:
To Whom It May Concern : I am formally requesting that you cease and desist from any further contact with me regarding the alleged account referenced in your communications until you have fully complied with the following requests for validation.

Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c, 1692g ), I dispute this alleged debt in its entirety and demand proper documentation to establish : 1. Proof of Original Creditor Written documentation showing that you are the legal owner of this alleged debt or have been properly assigned it. A mere charge-off account or balance transfer does not constitute legal proof of ownership.

2. Wet Signature Contract A complete copy of the original agreement bearing my wet signature that created the alleged obligation. Photocopies, digital reproductions, or unsigned agreements will not suffice.

3. Full Accounting An itemized statement showing how the amount you claim was calculated, including all fees, charges, interest, and credits applied since origination.

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), you are prohibited from accessing or furnishing information to the credit reporting agencies without a permissible purpose. Unless you can provide the documentation requested above proving ownership and authority over this alleged debt, you do not have a lawful basis to report it, nor to obtain or use my credit information.

Pursuant to 15 U.S.C. 1692c, you are hereby notified that you must cease all communications with me except to provide the validation documents requested or to notify me that collection efforts have been terminated. Any continued attempt to contact me without compliance will be considered a direct violation of federal law. 

Until such documents are furnished, you must cease all collection activities, including but not limited to phone calls, letters, negative credit reporting, or legal threats. Be advised that any attempt to collect or report without proper validation constitutes a violation of federal law, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

If you can not produce the requested documentation, you must : Cease collection immediately Remove any reporting of this alleged debt from all credit bureaus Confirm in writing that your office considers this matter closed This letter serves as my formal notice to you. Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation