vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX Date : XX/XX/XXXX TO : Source Receivables Management , LLC XXXX. XXXX XXXX XXXX, NC XXXX RE : FORMAL DISPUTE & DEMAND FOR DELETION UNVERIFIED ACCOUNTS BEING REPORTED To Whom It May Concern, This is a formal dispute and demand for full validation and deletion of the following accounts that you are currently reporting to the credit bureaus : SOURCE RECVB Acct # XXXX {$330.00} SOURCE RECVB Acct # XXXX {$180.00} I do not recognize or accept liability for these alleged debts, and I am requesting immediate validation under the law. You have no legal authority to report unverifiable debt to my consumer credit file. If you do not have the documentation to validate these accounts, they must be immediately deleted. 

Under my rights granted by the following laws : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b, 1681i, 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ) Uniform Commercial Code ( UCC ) 3-501 You are hereby demanded to produce the following within 15 days : A wet-ink signed contract between myself and the original creditor A full accounting breakdown of the alleged balance Legal proof of ownership or assignment of the debt to your agency Evidence of permissible purpose under 15 USC 1681b for accessing and reporting my credit file Confirmation that this was not a result of identity theft, reporting error, or data breach under FCRA 605B and 609 ( a ) If you are unable to comply with this request, you are required to immediately delete these accounts from all credit reporting agencies.

If not resolved within 15 days, I will take further action : File formal complaints with the CFPB, FTC, Illinois Attorney General, and XXXX Dispute with XXXX XXXX XXXX XXXX for immediate removal Initiate legal or arbitration proceedings for : Failing to conduct a reasonable investigation ( FCRA 1681i ) Continuing to report unverifiable information ( FCRA 1681s-2 ( b ) & FDCPA 809 ( b ) ) Automated verification systems ( such as e-OSCAR ) will not suffice. A real investigation under federal law requires real documents.

Final Warning : NO contract = NO debt = DELETE IMMEDIATELY. 
Continued reporting without proof = lawsuit or arbitration. 
You are now on legal notice. Respond accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX, XX/XX/year>.

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 2025-07-08 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: NH

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 2025-07-08 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: NJ

Complaint narrative:
On a XXXX note, XXXX XXXX, one of the banks I used, showed that my previous FICO score of XXXX dropped to XXXX. The reasons were absolutely wrong and didn't make sense to me. I was distraught because I put a lot of money and time into building my credit. I am trying to move out of my parents ' house because I live in an unsafe environment as someone in the XXXX community. XXXX XXXX XXXX it said that the percentage went down from 91 % to 88 %. This happens when I miss payment due dates. Now I had missed payments in the past, and my account was in derogatory status. However, since XXXX, I've been making consistent payments to my account nearly my whole paycheck, so to me it is absolutely disgusting that Transunion was the XXXX who issued this incorrect information to XXXX XXXX, dropping my hard-working score. I filed a dispute with trans uion before becausee they had another credit card account on my report however they deleted it but in that other dispute I also asked them to update the credit card balance they had on their report which is {$1700.00} to my new balnce of {$1600.00} they never did this dropping my previous XXXX score of XXXX to XXXX which is disguating I put way too much time and money into this and this is so unfair

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 2025-07-08 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: EQUIFAX, 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I disputed a {$2900.00} collection reported by RMP for XXXX XXXX XXXX with XXXX XXXX XXXX. I also sent RMP a certified debt validation letter on XX/XX/year>. They never validated this debt or sent documentation. Despite this, the bureaus marked it verified without evidence. RMP is also reporting misleading remarks suggesting I disagreed AFTER a completed investigation, harming my credit reputation. This violates FDCPA & FCRA requirements for proper validation and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Phone : XXXX Date : XX/XX/XXXX TO : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL DEBT DISPUTE & DEMAND FOR IMMEDIATE DELETION MULTIPLE UNVERIFIED ACCOUNTS To Whom It May Concern : This is your final notice regarding the fraudulent and illegally reported collection accounts you are furnishing to the consumer reporting agencies. I am disputing the following accounts in full : LVNV FUNDING Acct XXXX XXXXXXXX {$1400.00} LVNV FUNDING Acct # XXXX {$1200.00} LVNV FUNDING Acct # XXXX {$1300.00} LVNV FUNDING Acct # XXXX {$1400.00} LVNV FUNDING Acct # XXXX {$1200.00} LVNV FUNDING Acct # XXXX {$1300.00} Lets be clear : I do not recognize, owe, or consent to these alleged debts. Your continued reporting of these accounts is a gross violation of federal consumer protection laws, and I am prepared to pursue immediate legal action. 

As required under : 15 U.S. Code 1681g & 1681b ( FCRA ) 15 U.S. Code 1692g ( b ) ( FDCPA ) UCC 3-501 ( demand for presentment of contract ) You are now legally obligated to provide : The original XXXX signed contract from the original creditor with my signature A full itemization of the alleged debt balance and how each charge was calculated The purchase agreement or assignment document showing legal transfer of ownership Proof that you had permissible purpose to access and report on my credit file Confirmation that this is not a result of identity theft, error, or breach ( FCRA 605B, 609 ( a ) ( 1 ) ) If you can not provide this within 15 days, you must immediately delete these entries from all credit reporting agencies. Anything less will be interpreted as willful noncompliance and will result in the following : Formal complaints filed with the CFPB, FTC, Illinois Attorney General, and BBB Legal action for violations of FCRA 1681i, 1681s-2 ( b ) and FDCPA 809 ( b ) Arbitration or federal court proceedings for damages, including emotional distress and reputational harm I also warn you that if any so-called investigation was done via automated e-OSCAR systems, this is a federal violation and I will present it as evidence of willful disregard for my rights. 

Final Word : NO original contract = NO legal debt = DELETE IT NOW. 
NO full validation = IMMEDIATE legal consequences. 
You are now on record and on notice. I expect full compliance or full deletion. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! "

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 2025-07-08 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX. The CFPB complaint has been filed to request pursuant to FCRA XXXX that you, transunion, experian, equifax credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX XXXX XXXX in XXXX under the account number XXXX an auto loan opened at XXXX XXXX XXXX in XXXX under the account number XXXX, an auto loan opened at XXXX XXXX XXXX in XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX in XXXX under the account number XXXX, and a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX in XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
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, CHALLENGEDORNOT.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing several accounts on my credit report that I believe to be inaccurate or unverifiable. Please provide the source of this information and the methods used to validate its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing several accounts on my credit report that I believe to be inaccurate or unverifiable. Please provide the source of this information and the methods used to validate its accuracy.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX I formally wrote Experian to inform them that certain Personal information that was seen on my report was inaccurate, as of today I see that they have not fixed this issue which is ongoing and causing me and my family to run into obstacles.

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 2025-07-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Inaccurate Reporting of Payment History Failure to Provide Verification Filed Under : Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ) I, XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the continued inaccurate reporting of late payments on my credit report. I am acting on my own behalf as a natural person and consumer. This is a formal follow-up to a dispute I submitted XXXX days ago. 

Despite my original billing error dispute under the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ) and the Fair Credit Reporting Act ( FCRA ), the following accounts continue to report late payments without any substantiated documentation or verification. 

The FCBA clearly protects consumers against the following billing issues : Failure to properly credit or apply a payment ; Accounting or computation errors by the creditor ; Failure to provide advance written notice ( at least XXXX  days ) before applying penalties or reporting delinquencies. 

I have not received any documentation or evidence verifying the accuracy of the reported late payments. As a result, I am requesting the removal or correction of this inaccurate information in accordance with the law. The consumer reporting agency has an obligation under 15 U.S.C. 1681i ( a ) to conduct a proper reinvestigation. 

Disputed Accounts with Alleged Late Payments : XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * XXXX XXXX  Account Number : XXXX * * * * XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXXXXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XX/XX/year>.

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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am filing this complaint regarding Jefferson Capital Systems , LLC. They are attempting to collect a debt from me without providing proper validation as required by the Fair Debt Collection Practices Act ( FDCPA ) and Californias XXXX Fair Debt Collection Practices Act. 

On XX/XX/year> i sent them a written debt validation request via certified mail, asking them to provide documentation validating the debt they claim I owe. To date, they have either : Failed to provide proper validation of the debt Continued to pursue collection actions despite not validating the debt Reported or threatened to report the debt to credit bureaus without verifying its accuracy This violates both federal and state consumer protection laws.

Company response to consumer: Closed with explanation