vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> FAIR COLLECTIONS AND OUTSOURCI XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Subject : Dispute of Inaccurate Collection Account Request for Removal To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account listed on my credit report. The account information is as follows : This collection account is inaccurate for the following reason ( s ) : Debt has already been paid.

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am formally requesting an investigation into this matter. If the account can not be verified with complete documentation, it must be deleted from my credit report. Additionally, FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires that only accurate and verifiable information be reported.

If this dispute is directed to a debt collector : Under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), I am also requesting full validation of this debt. If you are unable to provide documentation that proves I owe this debt, you are required to cease collection efforts and remove any reference to this account from all consumer reporting agencies.

Please complete your investigation within the time frame required by law and confirm your findings in writing. If the account is removed or updated, I request a revised copy of my credit report reflecting these changes.

Attached are supporting documents related to this dispute. Please contact me if additional information is needed. 

Sincerely, 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 2025-05-20 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: NY

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ). 

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXXXXXX 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I filed a dispute with a company and unfortunately I got sick and missed their email and account was closed but was told I could " eventually order a card ''. When I asked when could I was told I don't know. Been told multiple times there's nothing they could do so I had to go to chime and now since EVERYBODY has cashapp I have to pay fees just to have it sent to chime. I feel this was unjust especially when this was OVER A YEAR AGO. Unfortunately I no longer have the chats cause it's been OVER A YEAR and I was hoping by now my account would be back to normal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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 consists of a personal credit card account opened at XXXX XXXX BALANCED {$9100.00} XXXX XXXX BALANCED {$490.00} These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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 consists of a personal credit card account opened at XXXX XXXX BALANCED {$9100.00} XXXX XXXX BALANCED {$490.00} These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
> I am filing this complaint to dispute a collection account reported by XXXX XXXX, with a balance of {$600.00}. The account was reported as opened on XX/XX/XXXX, and last updated on XX/XX/XXXX. The original creditor is listed inconsistently as Doctors Hospital of XXXX and XXXX XXXX XXXX. 

I dispute the accuracy and validity of this collection and demand a full investigation under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ].

Per FCRA Section 609 ( a ) ( 1 ) ( A ), I request that XXXX XXXX provide the full documentation that verifies this debtspecifically, a signed agreement or billing statement directly linking me to the original service and balance. 

This debt was not validated upon initial contact, and I never received proper notice as required under the FDCPA ( Fair Debt Collection Practices Act ), Section 809 [ 15 U.S.C. 1692g ]. Reporting this account without first validating it violates my consumer rights.

Additionally, the monthly payment is shown as {$0.00}, and there is no clear indication of a payment plan or ongoing activity, which brings into question the accuracy of the data being reported. 

Due to failure to provide legally required validation, I request this item be permanently removed from all credit reports. If XXXX XXXX is unable to furnish the original documentation and demonstrate their legal right to collect on this debt, the reporting must be deleted in accordance with FCRA Section XXXX ( a ) ( XXXX ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
XX/XX/XXXX applied for forbearance XX/XX/XXXX denied of forbearance XXXX hired foreclosure Attorney XXXX still paying Attorney to stay in my home. 
XXXX still receiving foreclosure letters, Fay Servicing still won't cooperate with me. 
XXXX XXXX paying Attorney to keep my home. 
XX/XX/XXXX forcible foreclosure letters coming every week XX/XX/XXXX Foreclosed XX/XX/XXXX Evicted out my home of XXXX years. Unfortunately I lost my husband in XXXX. 
Thank you PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX and the credit bureaus reporting this account ( specifically Experian and TransUnion ) regarding an inaccurate collection account in the amount of {$480.00}. 

This account ( Account XXXX ending in XXXX ) was reported as opened on XX/XX/year>, and last reported on XX/XX/year>. I dispute the validity of this account and request a full investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

I never received proper validation of this alleged debt. Under the FCRA Section 609 ( a ), I request full documentation bearing my signature proving that I owe this debt and that XXXX XXXX has the legal authority to collect it. 

Additionally, XXXX XXXX is reporting the account as a collection, yet the original creditor is listed vaguely as XXXX XXXX Ive. This lack of clear identification raises further concerns under FCRA 609 ( a ) ( 1 ) ( A ), which requires accurate and complete reporting. 

Furthermore, no late payments are listed on the account and the balance remains unchanged, suggesting that no efforts have been made to validate or update the reporting. 

If XXXX XXXX can not provide documented proof, including a signed contract and chain of assignment from the original creditor, I demand that this account be permanently removed from all credit reports. 

Please investigate this matter and ensure that all agencies comply with FCRA Section 611, which mandates the deletion of unverifiable information within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
There is a collection on my account from XXXX. The account was started XX/XX/XXXX. I sent the equipment back XX/XX/XXXX which was within the trial. I should not have been charged anything further. I should have actually been refunded for the time I didnt use the service. I have tried to get this fixed with XXXX to no available. I called XXXX on XX/XX/XXXX and XXXX XXXX. He told me to go to te store which I did. The rep at the store verfied the info and advised that it was noting she could do. I called back and was put into the neverending loop with agents that kept pulling up an account from like XXXX I think it was but they keep saying that they could not find the account with the info that the rep at the store gave me. I also chatted in numerous times to ask the rep to disconnect the account and they assured me once the equipment is returned that it was be taken care of but I got a collection on my account instead. I called back on XXXX when the collections account hit my credit. I spoke with XXXX ( XXXX ID XXXX ) and was advised once again to go to the store to get it resolved I do not feel as though I should have to keep running all over to correct their mistake. He also stated that he oculd not access the account, I gave them my name SSN address and he account number that the rep gave me in the store.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: NC

Complaint narrative:
Zions Debt Holdings- Account # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide XXXXCertified Mail ' with receipt displaying my signature. If not, please delect account # XXXX as soon as possible from my credit report or I will have to take legal action.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding an account reported by XXXX XXXX XXXX, XXXX, with a balance of {$35000.00} and the original creditor listed as XXXX XXXX XXXX XXXX. This is a debt buyers account listed as a collection, opened on XX/XX/XXXX, and last reported on XX/XX/XXXX. 

I was taken to court regarding this debt while I was recovering from a serious auto accident and was physically unable to attend the court hearing. As a result, a default judgment may have been entered without due process, violating my 14th Amendment rights. I was never given a fair opportunity to defend or verify the debt. 

Furthermore, XXXX XXXX XXXX is reporting to credit bureaus without providing full validation of the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 [ 15 U.S.C. 1692g ], I have the right to request : Full validation of the debt, including chain of custody from the original creditor A copy of the signed agreement or contract Documentation showing legal ownership and assignment of the debt XXXX is also in violation of the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) for failure to provide original documentation proving the accuracy and completeness of the account they are furnishing. 

Additionally, reporting a debt with XXXX monthly payment, no proof of validation, and a court action that was not justly defended constitutes an unfair, deceptive, and abusive practice, violating FCRA Section 602 ( A ) and FDCPA Section 807. 

Unless XXXX XXXX can provide full verification including a copy of the original signed agreement and chain of assignment, I demand immediate removal of this account from all credit bureaus. The reporting of this collection is inaccurate, unfair, and a result of a legal process that denied me a fair hearing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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.

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation