vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AL XXXX Subject : Formal Dispute of Account # XXXX Demand for Validation and Removal To Whom It May Concern, I am writing to dispute the validity of the debt listed under account # XXXX in your records, which claims a balance of {$200.00} and identifies XXXX as the original creditor. Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I request the following : 1. Debt Validation Provide written verification of the following within 30 days : - Original signed contract or agreement proving I owe this debt to XXXX.

- Itemized accounting of the {$200.00} balance, including interest/fees. 
- Proof of your legal authority to collect this debt ( e.g., assignment agreement from XXXX ). 
- Confirmation that the statute of limitations for collection in my state has not expired.

2. Removal from Credit Reports If you can not provide validation, immediately delete this account from all credit bureaus ( Experian, Equifax, TransUnion ). The FCRA requires accurate reporting, and this debt lacks sufficient documentation.

3. Cease Collection Efforts Until you provide validation, cease all collection activities, including credit reporting and phone calls.

Key Disputes - The account shows a " Collection '' status as of XX/XX/year>, but I have no record of this debt. 
- The original creditor ( XXXX ) has not contacted me about this alleged debt. 
- The amount ( {$200.00} ) does not match any known XXXX charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: PA

Complaint narrative:
XXXX XXXX has reported payments marked as late on account that is closed on the dates XX/XX/year>, XX/XX/year>2020 and XXXX 2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Im disputing an unauthorized hard inquiry from Santander Consumer USA listed on both my XXXX  and XXXX  reports dated XX/XX/. 

I did not apply for any financing with Santander, and I never gave permission for this credit check. Ive already contacted the credit bureaus without resolution. 

This inquiry is harming my credit without cause. I request its immediate deletion from all applicable reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
I am filing a complaint because although my XXXX account has been removed from my Experian credit report ( as confirmed between XX/XX/XXXX and XX/XX/XXXX ), the negative impact from a XXXX late payment recorded in XX/XX/XXXX still appears to affect my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), once an account is deleted, no associated derogatory information ( such as late payments ) should remain on the credit profile. The late payment is no longer verifiable, and keeping it active is misleading and unfairly damaging to my score. 

I respectfully request that any remaining negative data tied to this account specifically the late payment be removed entirely, as the account no longer exists on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: KY

Complaint narrative:
I had notice after XXXX on time payments that I had ( XXXX ) XXXX  day late payment been Reported!!! I had contacted the Company and told them its Nobway I was late!!! Also the company was miss reporting!!! Its No way I can have ( XXXX ) XXXX  days late payment reporting on my accounts!!! Because if this was reported Correctly!!! It will be Reported ( XXXX XXXX st XXXX  days late payment late ( XXXX ) late payment XXXX  days XXXX not had Reported XXXX .. XXXX  days late payments!!! Im will show you!!! Also XXXX XXXX is the Only Credit that Never Deleted this Account or updated my late payments to Un time!!! Please help me make this account Current!!! For improperly Reporting!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts were supposed to be deleted from my credit report. XX/XX/year> these accounts were reported removed and they illegally added them back to my credit report. I am a victim of severe human trafficking and debt bondage as recognized under Section 605C of the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate blocking and deletion of the following fraudulent accounts from my credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lela Mae Portfolio Management Group
State: CA

Complaint narrative:
On XX/XX/year>, I received an email from Lela Mae Portfolio Management Group LLC about an old payday loan I took out XXXX years ago. The email reveals all my account information including the balanced owed. It also reveals offers to pay off the debt, how long they have allegedly pursuing me for the debt, and links to their website to access more of my debt information. To make things worse, i have NEVER once received anything from this company before today. not XXXX email or collection letter. The biggest problem is that they tagged a family member of mine whom i havent spoken too in over XXXX  years in the same email! They are trying to embarrass me to family in order to get me to pay the debt which is XXXX  % illegal and in violation of the FDCPA and XXXX  XXXX XXXX. I am literally in tears writing this and am embarrassed and upset that it gave me a terrible XXXX and an XXXX XXXX I can never show my face again to family parties because of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: TN

Complaint narrative:
I attempted to pay using my AVANT credit card during my regular payment schedule. However, I discovered that my card had been cancelled. I attempted to contact them, and they failed to respond to both my phone calls and numerous email inquiries. 

After attempting to make XXXX payments, their system would not process them. I sent them another e-mail telling them I didn't want my credit score to be impacted, and this was, in my view, a deceptive practice by them. 

XXXX days ago, XXXX  credit services emailed me and advised me -- -what I feared most -- -that my credit score had decreased. The AVANT credit card company stated I was 30 days late and attached fees to the delinquent payment. This is violating my consumer protection rights. This is grossly unfair, and someone needs to let this company know it can not treat consumers like this. THIS IS MY SECOND COMPLAINT AGAINST THEM..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am filing a formal complaint against Midland Credit Management regarding a collection attempt on an alleged debt originally owed to XXXX XXXX  ( XXXX XXXX  ), associated with MCM Account Number XXXX. 

Around XX/XX/year>, I received a letter from Midland that includes language I believe violates the Fair Debt Collection Practices Act ( FDCPA ) and South Carolina consumer protection laws. Specifically, the letter states : " We intend to have a lawsuit filed against you. '' " What would an attorney do? '' followed by a list of legal actions. 
" How could a judgment impact you? '' followed by speculative outcomes like liens or asset seizures. 
At the time of this letter, I had not been sued, and no attorney had reviewed the account. These statements imply legal action is imminent, which is misleading and coercive, especially for a consumer unfamiliar with their rights. In South Carolina, most post-judgment remedies mentioned including wage garnishment are highly limited or not applicable to consumer debt, which makes the letter 's language even more deceptive. 

More seriously, on XX/XX/year>, Midland Credit Management contacted my mother by phone from ( XXXX ) XXXX and stated they were trying to reach me regarding a legal matter. This is not only misleading as no legal action had been initiated but also constitutes a violation of FDCPA Sections 804 and 807, which strictly prohibit debt collectors from disclosing the nature of the debt or falsely suggesting legal action to third parties. 

This communication caused undue distress and embarrassment to my family and was a clear overstep by the collector. 

I respectfully request a full investigation into Midland Credit Management 's collection practices and whether these communications constitute deceptive, threatening, or unlawful behavior under federal and South Carolina consumer protection laws. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: MD

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 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Acct. XXXX I'm unaware of the debt and did not have the opportunity to dispute this account.If you believe you sent proper notification please provide Certified mail with receipt of my signature. If not please delete this account from my credit report immediately or I'll be forced to take legal action. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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:
I am a victim of identity theft. Several accounts were fraudulently opened in my name by someone I know. I have followed the proper process to dispute these accounts under the Fair Credit Reporting Act ( FCRA ) and FTC Identity Theft Guidelines, including : Submitting an official identity theft report Providing my government-issued ID and proof of residence Sending written disputes via mail Requesting account removal under FCRA Section 605B Some accounts were removed by certain bureaus, but others continue to report even after removal by the original creditor or prior verification as fraudulent. Below is a list of the accounts involved : XXXX XXXX ( XXXX XXXX XXXX XXXX Fraudulent account. 
- Already removed from TransUnion and Equifax. 
- Still being reported by Experian, despite multiple disputes and full identity theft documentation. 

XXXX. XXXX XXXX XXXX XXXX - Originally removed as a fraudulent account due to identity theft. 
- Now being re-reported with a {$47.00} late payment, claiming unpaid interest. 
- Re-aging and re-reporting a previously removed fraudulent account is a violation of FCRA 623 ( a ) and possibly FCRA 605 ( c ). 
- This false derogatory mark is damaging my credit profile. 

XXXX. XXXX XXXX Collection ( XXXX XXXX XXXX XXXX ) - The original XXXX XXXX XXXX XXXX account was disputed and successfully removed for fraud. 
- XXXX XXXX is now reporting a collection based on that same fraudulent debt. 
- This is illegal under FCRA and FDCPA, as the original debt was already proven to be identity theft. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account ) - Unknown account ; I have never done business with XXXX or XXXX XXXX. 
- No authorization, no signed agreement, and no recollection of any interaction. 
- Disputed as identity theft, and supporting documents submitted. 
- No validation has been provided by the collector or the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
I am a victim of identity theft. Several accounts were fraudulently opened in my name by someone I know. I have followed the proper process to dispute these accounts under the Fair Credit Reporting Act ( FCRA ) and FTC Identity Theft Guidelines, including : Submitting an official identity theft report Providing my government-issued ID and proof of residence Sending written disputes via mail Requesting account removal under FCRA Section 605B Some accounts were removed by certain bureaus, but others continue to report even after removal by the original creditor or prior verification as fraudulent. Below is a list of the accounts involved : XXXX XXXX ( XXXX XXXX XXXX XXXX Fraudulent account. 
- Already removed from TransUnion and Equifax. 
- Still being reported by Experian, despite multiple disputes and full identity theft documentation. 

XXXX. XXXX XXXX XXXX XXXX - Originally removed as a fraudulent account due to identity theft. 
- Now being re-reported with a {$47.00} late payment, claiming unpaid interest. 
- Re-aging and re-reporting a previously removed fraudulent account is a violation of FCRA 623 ( a ) and possibly FCRA 605 ( c ). 
- This false derogatory mark is damaging my credit profile. 

XXXX. XXXX XXXX Collection ( XXXX XXXX XXXX XXXX ) - The original XXXX XXXX XXXX XXXX account was disputed and successfully removed for fraud. 
- XXXX XXXX is now reporting a collection based on that same fraudulent debt. 
- This is illegal under FCRA and FDCPA, as the original debt was already proven to be identity theft. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account ) - Unknown account ; I have never done business with XXXX or XXXX XXXX. 
- No authorization, no signed agreement, and no recollection of any interaction. 
- Disputed as identity theft, and supporting documents submitted. 
- No validation has been provided by the collector or the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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:
A collection account from XXXX XXXX XXXX is being reported on my credit file with a {$0.00} balance. The original creditor was XXXX, and I paid XXXX directly on XX/XX/year>. I never paid or agreed to pay XXXX XXXX XXXX. 

Despite this, XXXX XXXX XXXX is reporting a collection account under my name, which is misleading and factually incorrect. This tradeline falsely implies the debt was collected by them when it was not. 

I requested that TransUnion and Equifax remove the collection, as it violates the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) ) and FDCPA 807. I have attached proof of payment to XXXX and a screenshot showing the {$0.00} balance reporting from the collection agency. 

I am requesting the immediate deletion of this collection account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
I have asked the company for names places and people contacted regarding the investigation and the reinvestigation of the XXXX repossession. I have not received that information and I should not have to request that information anywhere else. I want it sent right here. I also have repossession reporting for a year and a half and that extends the date of repossession and is illegal. I did not consent for this to even be placed on 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 non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kikoff Inc.
State: GA

Complaint narrative:
I am writing to formally dispute an unauthorized account listed on my credit report under the name Kikoff. I did not open this account, and it was not authorized by me at any point.

I have already taken the following steps to address this issue : I filed a report with the Federal Trade Commission ( FTC ) regarding potential identity theft.

I contacted Kikoff support to notify them of the unauthorized account and requested its removal.

I requested the removal of the account from my credit report due to lack of authorization and its negative impact on my credit history.

Despite these efforts, the account remains on my credit report and continues to affect me unfairly. I am requesting the CFPBs assistance in having this unauthorized account fully removed from all consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: AL

Complaint narrative:
I submitted a FTC Report Number XXXX and listed the accounts there wasn't enough room to list this fraudulent account but it is : XXXX XXXX XXXX acct XXXX XXXX Experian, TransUnion and Equifax have opted to ignore the laws governing the FCRA and opt to do thier socalled investigation and operate outside of compliance, make them follow the law I filed contacted each of them earlier this year and nothing was done or said to me whatsoever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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 HAVE NO KNOWLEDGE OF THE FOLLOWING ACCOUNTS, AND I DISPUTED THEM DIRECTLY WITH CREDITORS THROUGH MAIL. 

XXXX XXXX XXXX : REPORTED : XX/XX/year> AMOUNT {$4100.00} XXXX XXXX XXXX : REPORTED : XX/XX/year> AMOUNT : {$370.00} XXXX XXXX XXXX  : REPORTED : XX/XX/year> AMOUNT : {$460.00} XXXX XXXX  : REPORTED : XX/XX/year> AMOUNT : {$760.00} I HAVE FILED A REPORT WITH THE POLICE THROUGH THE FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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