vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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:
in accordance with the fair debt reporting act. 
The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account with out my written instruction.

15 U.S.C 1681c ( a ) 5 section states no consumer reporting agency can not make any report with the following information. Any Other adverse item of information. 
other records of convictions and crimes which antedates the report by 7 years. 
15 U.S.C 1681 S-2 ( a ) ( 1 ) A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information may be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
Dear Collector, I am writing in response to your letter or phone call dated. I do not believe that I owe this debt or what you say I owe. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the XXXX-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) I respectfully request that you provide me with the following : XXXX the amount of the debt ; XXXX the name of the creditor to whom the debt is owed ; XXXX verification or copy of any judgment ( if applicable ) ; XXXX proof that you are licensed to collect debts in Maine ; XXXX proof of the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within XXXX  days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to the Federal Consumer Financial Protection Bureau, my State Attorney General, and my States licensing agency for debt collectors. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX AMEX American Express XXXX. XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> To Whom This May Concern, On XX/XX/year>, I sent you a letter requesting copies of the following documents. 
-Agreement that you have authority to collect on this alleged debt. 
- Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
-Complete payment history on this account, to prove that the amount you wish to collect is correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX As of this day listed on this letter, I have not received anything back from you. I have recently pulled my credit report and noticed that there is still a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request the validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed this party who is contractually bound to pay off this debt or stop collection activity on my credit report and completely remove it all together. 
I hope your legal staff will agree that noncompliance with this second attempt will result in legal trouble for your company. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson Capital Systems Inaccurate Credit Reporting / No Validation Jefferson Capital Systems is reporting an alleged debt of {$1100.00}. I never received : A validation notice A breakdown of charges Proof of ownership or assignment of debt They are violating : FDCPA 809 ( a ) ( 15 ) must send a validation notice within XXXX  days FCRA 623 ( a ) ( 1 ) duty to report accurate information I am asking CFPB to compel them to : Provide proof/validation, including original documentation, or Delete the collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I was scammed online for several thousands of dollars I explained the entire situation and also filled complaints against the website for fraudulent activity with the FBI and FTC but the credit card company says I'm liable for the purchases when everything about the website is a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 dispute regarding inaccurate and improperly furnished information on my Experian credit report. Experian is reporting late payments and past-due balances on the following accounts : XXXX XXXX account ending : XXXX XXXX XXXX XXXX XXXX account : XXXX These late payments and past-due amounts are inaccurate and not properly substantiated. Under 15 USC 1666b, a creditor can not report a payment as late unless billing statements were properly provided at least 21 days before the due date. I dispute that proper billing and notice occurred.

Additionally, under 15 USC 1681b ( a ) ( 2 ), a credit reporting agency can not furnish information without written authorization. I have requested proof validating permissible purpose and my written consent to furnish the reported information. 
Experian is also reporting hard inquiries from third-party lenders ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) that I do not recognize as authorized. I request the signed written authorization required by law. Any inquiry that can not be verified must be removed. 

I am disputing inaccurate and improperly furnished information appearing on my Equifax credit report. Equifax is reporting late payments and past-due balances on the following accounts : XXXX XXXX account ending : XXXX XXXX XXXX XXXX XXXX account : XXXX These delinquency reports are inaccurate. Under 15 USC 1666b, late payment reporting requires proper billing notice, including delivery of statements at least 21 days before the due date. I dispute that these notice requirements were met. 
Under 15 USC 1681b ( a ) ( 2 ), a credit reporting agency may not furnish a consumer report without written authorization. I request proof that Equifax obtained and validated written authority from the data furnishers to report these delinquencies. 
Equifax also shows hard inquiries ( XXXX XXXX and XXXX XXXX on XX/XX/year> ) that I do not recognize as authorized. I request proof of permissible purpose and signed authorization. 

I am filing a dispute regarding inaccurate delinquency reporting and unauthorized inquiries on my TransUnion credit report. TransUnion is reporting late payments and past-due amounts on the following accounts : XXXX XXXX account : XXXX XXXX XXXX XXXX XXXX account : XXXX These delinquencies are inaccurate. Under 15 USC 1666b, a creditor can not report a payment as late unless proper billing procedures and timing requirements were followed. I dispute that proper notice requirements were met. 
TransUnion is also reporting hard inquiries I do not recognize as authorized, including : Upgrade XX/XX/year> XXXX XXXX XX/XX/year> Ally Financial XX/XX/year> Under 15 USC 1681b ( a ) ( 2 ), TransUnion may not furnish information without written authorization. I request proof of permissible purpose and signed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are multiple inaccuracies on my credit report that I disputed with the credit bureaus. They include incorrect personal information ( old addresses and employer ), unauthorized hard inquiries, and inaccurate reporting on a XXXX charge-off account. I asked the bureaus to verify and correct this information, but they have not resolved the issue.

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 2025-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Premier Mortgage Resources, LLC
State: MO

Complaint narrative:
I am only one week into closing after choosing one of two banks I had the option of. I went with the bank that had the higher interest rate but lower loan total amount. Today, I get told by the loan officer that somebody messed up the math and the numbers so my new loan total amount is more than XXXX. I was tricked and they fudged their numbers so Id pick them. I believe this was illegally done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
Subject : Formal Dispute of Fraudulent Accounts Due to Identity Theft Under FCRA and XXXX To Whom It May Concern, I am writing to formally dispute the inclusion of fraudulent accounts on my credit report maintained by Experian. These accounts are the result of identity theft and do not belong to me. Despite my previous attempts to resolve this matter, Experian has refused to remove these accounts, which is a violation of my rights under federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request the blocking of information resulting from identity theft. I have submitted a valid identity theft report, as defined under 15 U.S.C. 1681a ( q ), along with proper identification and documentation. According to the FCRA, Experian and Equifax are required to block the fraudulent information from my credit report within XXXX  business days of receiving such documentation.

Furthermore, the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) of XXXX, which amended the FCRA, reinforces these protections and obligates credit reporting agencies to take immediate action upon receiving notice of identity theft.

Your continued reporting of these fraudulent accounts is causing me significant harm, including damage to my creditworthiness and emotional distress. I demand that Experian : Immediately block and remove all accounts and inquiries resulting from identity theft.

Provide written confirmation that these items have been removed.

Refrain from re-inserting any of the disputed information unless all conditions under 15 U.S.C. 1681c-2 ( d ) are met, including notifying me in writing.

If Experian and Equifax fail to comply with these legal obligations, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and to pursue legal remedies under 15 U.S.C. 1681n and 1681o, which provide for actual damages, statutory damages, and attorneys fees for willful or negligent noncompliance. 

Fraudulent Accounts Reporting On MY Credit Reports : XXXX. XXXX XXXX XXXX ACCOUNT NUMBER ENDING : XXXX OPEN : XX/XX/XXXX XXXX. XXXX XXXX XXXX  ACCOUNT NUMBER ENDING : XXXX OPEN : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
Subject : Formal Dispute of Fraudulent Accounts Due to Identity Theft Under FCRA and XXXX To Whom It May Concern, I am writing to formally dispute the inclusion of fraudulent accounts on my credit report maintained by Experian. These accounts are the result of identity theft and do not belong to me. Despite my previous attempts to resolve this matter, Experian has refused to remove these accounts, which is a violation of my rights under federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request the blocking of information resulting from identity theft. I have submitted a valid identity theft report, as defined under 15 U.S.C. 1681a ( q ), along with proper identification and documentation. According to the FCRA, Experian and Equifax are required to block the fraudulent information from my credit report within XXXX  business days of receiving such documentation.

Furthermore, the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) of XXXX, which amended the FCRA, reinforces these protections and obligates credit reporting agencies to take immediate action upon receiving notice of identity theft.

Your continued reporting of these fraudulent accounts is causing me significant harm, including damage to my creditworthiness and emotional distress. I demand that Experian : Immediately block and remove all accounts and inquiries resulting from identity theft.

Provide written confirmation that these items have been removed.

Refrain from re-inserting any of the disputed information unless all conditions under 15 U.S.C. 1681c-2 ( d ) are met, including notifying me in writing.

If Experian and Equifax fail to comply with these legal obligations, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and to pursue legal remedies under 15 U.S.C. 1681n and 1681o, which provide for actual damages, statutory damages, and attorneys fees for willful or negligent noncompliance. 

Fraudulent Accounts Reporting On MY Credit Reports : XXXX. XXXX XXXX XXXX ACCOUNT NUMBER ENDING : XXXX OPEN : XX/XX/XXXX XXXX. XXXX XXXX XXXX  ACCOUNT NUMBER ENDING : XXXX OPEN : XX/XX/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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Credence Resource Management Reporting Unverified Debt / FCRA & FDCPA Violations I am filing a complaint regarding Credence Resource Management. They are reporting an alleged debt of {$3000.00} on my credit report without providing proper validation as required by 15 U.S.C. 1692g of the FDCPA.

I requested written validation/verification of this alleged debt, including : Proof that I am legally obligated to pay Copy of the signed contract or agreement Complete payment history and itemization of charges Credence has failed to provide verification, yet they continue to report and update the negative tradeline on my credit reports. This is a violation of : FDCPA 809 ( b ) failure to validate debt before continuing collection FCRA 623 ( a ) ( 3 ) reporting information that is not verified or accurate I am requesting the CFPB assist in : 1. Forcing the company to provide full validation of the alleged debt, XXXX XXXX. Removing the account from all credit bureaus if they can not validate it. 

I want Credence to stop reporting until proper validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: OH

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX # XXXX XX/XX/year> -- {$0.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I went to the hospital because I was in severe pain. I pinched a nerve in my lower back from lifting a heavy object at work. They gave me XXXX and wanted me to do a CT scan, I told them no because I just lost my health insurance at work because it was too expensive. They kept trying to make me go to a room for a CT scan I kept telling them no so they brought an X-Ray machine into my room and put it on top of me without my permission and X-rayed my body while I was there. I did not want them to do this but they kept insisting and put it over me. I left the hospital with only a prescription for XXXX  after about XXXX hours. The hospital sent me a bill in the mail for {$590.00} and I didn't have the money so I filled out an application for financial assistance with the hospital but they rejected my application and denied me financial assistance. 

I was contacted by " XXXX XXXX XXXX XXXX '' collection agency stating that I owed them a total of {$2900.00} for my hospital visit. I told them I was disputing the debt on XX/XX/year> and wanted the itemized statement showing each service charge along with documentation showing that I am legally responsible for this debt. The date of service, account number, and total balance claimed. Until this validation is provided, please cease all collection activity, including phone calls, letters, and credit reporting. Reporting this debt to any credit bureau during the validation process would be a violation of the FDCPA. 

On XX/XX/year> I was contacted by " United Collection Bureau , INC '' stating that I owed them {$3800.00} and they now own the debt. I don't even have any money right now I lost my job and my credit cards are maxed out. I just started a new job but I need my cell phone for work and they keep calling me constantly all day from random area codes interrupting my work day and making it more difficult to do my job. I kept the original bill from the hospital showing that I only owed the hospital {$590.00} I don't know how {$590.00} turned into {$3800.00} in 2 months. 
I am now filing a complaint to resolve this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I have submitted a dispute to XXXX  multiple times and they seem to ignore the issue. The last submittal was XX/XX/year>. 
There is a duplicate collection on my report. I want to payoff the debt but I will not pay until the duplicate is removed. I got a letter from XXXX  all they did was update information about me. Deleted inaccurate personal information but NOT the duplicate charge. I also spoke to a customer service person from XXXX, she understood what I was asking and said she would submit a report. Nothing seems to have come of that. The dispute is {$420.00} in collections, but it is on there twice. Once with Midland Credit and the other is XXXX. I will be filling another complaint about these two agencies as I have called to remedy this and they will not until XXXX payoff the debt.

Company response to consumer: Closed with explanation