vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I was contacted by Resurgent Capital Services on behalf of LVNV Funding LLC in regards to an alleged debt with XXXX XXXX XXXX XXXX. 

I mailed certified a dispute packet to the Collection agency requesting information of this alleged debt. I asked for Name and Address of Alleged Creditor, Name on File of Alleged Debtor, Alleged Account #, Address on File for Alleged Debtor, Amount of Alleged Debt, Date the Alleged Debt became payable, Date of Original Charge or Delinquency, Was this Debt assigned to a Debt Collector or Purchased, Amount Paid if Debt was Purchased, Commission for debt collector if collection efforts are successful, Agreement with the client that grants them the authority to collect this alleged debt, Signed agreement Debtor has made with Debt Collector, or verifiable proof Debtor has a contractual obligation to pay the Debt Collector, Any agreement that bears the signature of the Debtor wherein agreed to pay Creditor, All statements while this account was open. 

I received a letter back within 30 days with the collection agencies contact information, them as the owner, their reference number, original creditor name and last XXXX of the account number, current balance due, original creditor information, origination date, charge off date, charge off amount, date they acquired it, balance at time of acquisition. 

The original letter I received was sent to XXXX address and the letter received after the dispute packet was received at the address I listed as my return address on the certified mail I had sent them. 

They can not verify my address or the date this alleged debt became delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AmeriHome Mortgage Company, LLC
State: OH

Complaint narrative:
They said they would do a deed in lieu and just never did. We are now XXXX weeks from being forced out of our home with XXXX kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
A Collection Account appeared on my Equifax credit report this month from XXXX XXXX XXXX for {$210.00}. This only appeared on Equifax and no other credit report. The account information is scarce, The date of first delinquency was XX/XX/XXXX, and that the XXXX account was opened XX/XX/XXXX. I do not believe the XXXX account belongs to me, I have not been delinquent on any loans. I no longer have any loans outstanding and the XXXX Account, despite its age, has never appeared on any prior Credit Report I filed a dispute with Equifax on the XX/XX/XXXX and the dispute was quickly closed on XX/XX/XXXX. The dispute report states " Consumer Information Verified '' and that Equifax contacted XXXX XXXX XXXX and that XXXX XXXX XXXX " verified '' that the account belonged to me. 

The report also states : " You may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number. '' So I called Equifax 's help line XXXX and requested to know how exactly it was verified. the agent on the other end could not elaborate on how it was verified or what information was used to verify. The agent only stated that a " back end team '' completed the investigation and that the only thing they could provide me was the number for XXXX XXXX XXXX, which was already included in the report. 

I have tried to contact XXXX XXXX XXXX but they are not yet open for business as it is a weekend and i am wary of calling them anyways and giving them identifying information about myself to locate this account. The Equifax report barely contains any information that i could use to confirm the XXXX Account, only the last XXXX digits of the account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I previously spoke with an LVNV/Resurgent representative last month and was told that this account was closed. I also received written confirmation stating that it was resolved. Despite this, the account appeared again on my credit report as newly reported on XX/XX/year> with a remaining balance of {$660.00}. This is incorrect and does not match the information I was given by LVNV. 

I did not receive any notice that the account would be reinserted or reopened, which is required under the Fair Credit Reporting Act if a previously closed or removed account appears again. I am disputing this because LVNV provided me with closure confirmation, and the current reporting is inaccurate. I am requesting a full reinvestigation, review of any archived correspondence, and correction of this tradeline to reflect the accurate status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
Subject : Please route to company NOT a duplicate ( new evidence + ongoing collections harm ) Prior ID : XXXX Hello CFPB, Please mark this complaint NOT a duplicate of XXXX. Im submitting new evidence and documenting ongoing harm ( threatened collections/credit furnishing on a ~ $ XXXX balance ) stemming from an identity-theft compromise on XXXX in XXXX, XXXX. 
Ongoing harm : XXXX XXXX XXXX to pursue collections ( ~ $ XXXX ) and potentially furnish a negative tradeline while the identity-theft dispute is active. This endangers my mortgage eligibility and credit standing. 
Requested CFPB actions : Direct XXXX  to pause all collections and credit furnishing related to this incident. 
Direct XXXX to preserve evidence ( XXXX and adjacent dates ) and provide me ( and, if requested, regulators/law enforcement ) a complete audit export, including : Full login/IP/geo/device and session history, XXXX change/reset logs, Time-stamped approval for the withdrawal-limit increase ( who/what approved, factors ), Address-book additions/edits, Deposits/trades/withdrawals with originating hot wallets and TXIDs, Internal case notes and support chat/call recordings. 
Ask XXXX to explain why a limit raise + rapid full-balance withdrawals in XXXX hours from a new/foreign device to new addresses were not blocked or held for manual review. 

My bank has done a full investigation on this mater and it has been deemed Fraud/ Identity Theft. 

Thank you for routing this to the company and keeping the case open for a fresh response based on these new materials. 
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 2025-11-16 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: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a notice from my authorized XXXX XXXX credit card company inforning me my XXXX scoor had dropped due to an increase in my credit limits. Upon investigating, I learned XXXX ran a background credit check on me and issued a {$5000.00} credit card to me. This was an unknown and unsolicited action taken by XXXX. After speaking with them they said and did end and remove the account informing me there would be no adverse actions regarding my credit bureau accounts. Asking them where and how they obtained my information, all they could say was by asking me questions if I, my family or anyone I knew filed this information with them. My answer is NO. 

Many companies pay employees a stipend when they can sell an account and my instincts tell me this could be the case.

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 2025-11-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
I am filing this complaint because my XXXX  credit report contains numerous inaccurate, unverifiable, and improperly reported accounts, many of which remain on my report despite prior disputes. XXXX  and multiple data furnishers have failed to verify these accounts, update information accurately, or conduct proper reinvestigations as required by the Fair Credit Reporting Act ( FCRA ). 
Some accounts list incorrect balances, incorrect statuses, inconsistent dates, and continued reporting despite my disputes. Several furnishers have not provided validation, contracts, or proof of debt ownership. Under FCRA 602, 607, and 611, any information that can not be verified must be corrected or deleted.

I am requesting that the CFPB step in and require XXXX  and the data furnishers to conduct a lawful investigation and remove any account that can not be validated with proper documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: CL Holdings LLC
State: FL

Complaint narrative:
Noticed on my credit report these account was in the negatives. This could not have been me due to the fact I was incarcerated from XXXX Following account are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX amount {$1100.00} i did not open this account. identity theft

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 2025-11-16 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: NJ

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 ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: AZ

Complaint narrative:
I am reporting identity theft for several accounts that were opened without my permission or knowledge. I did not authorize or open any accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, or XXXX XXXX. Someone used my personal information to create these accounts and incur charges in my name. 

I discovered these accounts only after reviewing my credit reports thoroughly in XXXX and XXXX of XXXX. At that time, I noticed multiple accounts that I did not recognize : A Bank XXXX Missouri credit account opened in XX/XX/XXXX with a fraudulent balance of {$1100.00}. 
A XXXX XXXX  credit account opened in XX/XX/XXXX with a fraudulent balance of {$460.00}. 
A XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account opened in XX/XX/XXXX with a fraudulent balance of {$510.00}. 
A XXXX XXXX XXXX account opened in XX/XX/XXXX with a fraudulent balance of {$150.00}. 
A XXXX XXXX account opened in XX/XX/XXXX with a fraudulent balance of {$670.00}. 

These accounts were opened without my consent and were later transferred or sold to collection agencies without my knowledge. I did not authorize these accounts, I did not open them, and I did not give anyone permission to use my personal information. 

Because these accounts are fraudulent, I am requesting that they be fully investigated, removed from my credit report, and that the balances be reduced to XXXX. I am also requesting that all collection activity stop immediately. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute inaccurate or fraudulent information, request verification of any claimed debts, and have all false data deleted from my credit reports. 

I am asking that these items be fully investigated and permanently removed, as they are the result of identity theft.

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 2025-11-16 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: AZ

Complaint narrative:
I am reporting identity theft for several accounts that were opened without my permission or knowledge. I did not authorize or open any accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, or XXXX XXXX. Someone used my personal information to create these accounts and incur charges in my name. 

I discovered these accounts only after reviewing my credit reports thoroughly in XXXX and XXXX of XXXX. At that time, I noticed multiple accounts that I did not recognize : A Bank XXXX Missouri credit account opened in XX/XX/XXXX with a fraudulent balance of {$1100.00}. 
A XXXX XXXX  credit account opened in XX/XX/XXXX with a fraudulent balance of {$460.00}. 
A XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account opened in XX/XX/XXXX with a fraudulent balance of {$510.00}. 
A XXXX XXXX XXXX account opened in XX/XX/XXXX with a fraudulent balance of {$150.00}. 
A XXXX XXXX account opened in XX/XX/XXXX with a fraudulent balance of {$670.00}. 

These accounts were opened without my consent and were later transferred or sold to collection agencies without my knowledge. I did not authorize these accounts, I did not open them, and I did not give anyone permission to use my personal information. 

Because these accounts are fraudulent, I am requesting that they be fully investigated, removed from my credit report, and that the balances be reduced to XXXX. I am also requesting that all collection activity stop immediately. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute inaccurate or fraudulent information, request verification of any claimed debts, and have all false data deleted from my credit reports. 

I am asking that these items be fully investigated and permanently removed, as they are the result of identity theft.

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 2025-11-16 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: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
The creditor is Carrington Mortgage. This account is not my responsibility per court order via XXXX  decree signed by the presiding judge on XX/XX/XXXX ( see attached ). The Carrington Mortgage account was removed from my credit report from XXXX XXXX XXXX XXXX in XXXX. Upon reviewing my credit reports from all 3 bureaus in XX/XX/XXXX, Carrington Mortgage was on all 3 reports and showing as late and {$1500.00} behind. In sent a credit dispute in XX/XX/XXXX to all 3 bureaus as well as Carrington Mortgage which i feel that the investigation was not done by the 3 bureaus and Carrington Mortgage is saying that i am responsible, when i reference the court order that is attached i have not got a response to this date. My credit score is being impacted by something that i am not responsible for per court order, is Carrington Mortgage above a court order?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX XXXX  refuses to remove unverified, unproven incomplete student loan accounts that do not belong to me. 

Several certified letters, cease and desist sent. Several calls to correct name on file, addresses added. 

XXXX XXXX refuses to provide human verification which is required by law. Continues to use eoscar to verify a debt not owed and unknown and leaves unverified, unknown accounts on my credit file. 

Several documents sent to this company via certified letter which have never been resolved. 

This has been going on since 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 2025-11-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : This is not a dispute. I am a victim of Identity theft. Please do not act in violation of the FCRA 605b. As the consumer I have done my part in reporting this to all necessary authorities including the FTC & Local Police ( Reports are included in this package ). My signature on the FTC & Police reports serve as my sworn statement.

The information listed below appears on my credit report, but I did not make or approve of these transactions. 


The following accounts are a result of Identity theft : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$260000.00} XXXX XXXX$310000.00} XXXX {$2800.00} {$3100.00} 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 XXXX XXXX XXXX XXXXXXXX ACCOUNT PREVIOUSLY IN DISPUTE-NOW RESOLVED-REPORTED BY SUBSCRIBER ; FHA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$1500.00} XXXX {$1700.00} - {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to also promptly notify the businesses that sent you that information I have enclosed a copy of my credit report and circled the fraudulent items on the report. I have also enclosed a copy of my Identity Theft Report, a copy of my Police report and proof of my identity. I appreciate your prompt attention to this matter. 

My Phone : XXXX Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : This is not a dispute. I am a victim of Identity theft. Please do not act in violation of the FCRA 605b. As the consumer I have done my part in reporting this to all necessary authorities including the FTC & Local Police ( Reports are included in this package ). My signature on the FTC & Police reports serve as my sworn statement.

The information listed below appears on my credit report, but I did not make or approve of these transactions. 


The following accounts are a result of Identity theft : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$260000.00} XXXX XXXX$310000.00} XXXX {$2800.00} {$3100.00} 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 XXXX XXXX XXXX XXXXXXXX ACCOUNT PREVIOUSLY IN DISPUTE-NOW RESOLVED-REPORTED BY SUBSCRIBER ; FHA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$1500.00} XXXX {$1700.00} - {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to also promptly notify the businesses that sent you that information I have enclosed a copy of my credit report and circled the fraudulent items on the report. I have also enclosed a copy of my Identity Theft Report, a copy of my Police report and proof of my identity. I appreciate your prompt attention to this matter. 

My Phone : XXXX Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved.

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