vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my credit report and noticed that the XXXX XXXX auto loan, last reported on XX/XX/year>, is being inaccurately reported. I'm disputing this account due to several errors, XXXX last payment listed is XXXX, XXXX account doesn't belong to me, XX/XX/XXXX account shows charged off XX/XX/year> with payment status listed as XXXX days late a payment can't be made after account is closed XX/XX/XXXX delinquency history shows XX/XX/XXXXdays late XXXX shows XX/XX/XXXX days late and XX/XX/XXXX days lateXX/XX/XXXXdays late and may is charged off, these need to be deleted theses discrepancies violate the FAIR CREDIT REPORTING ACT ( FCRA ) specifically ; 15 U.S.C. XXXXi, -is requiring all disputed information to be verified as accurate and complete,. 15 U.S.C. XXXX ( b ) requires credit bureaus to maintain maximum possible accuracy. This appears to be a third-party debt collector, and this also constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXe, which prohibits the reporting of false or misleading information. I am formally requesting the method of verification used during your investigation, including. The name and contact information of the furnisher. what documents were reviewed Whether the investigation was conducted manually or via an automated system, if this information can not be verified with the source documentation, including a breakdown of payments and balance history, this account must be immediately removed from my credit report, per federal law.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX is in violation of 15 U.S.C 1692 ( a ) 1692c 1692d 1692e 1692f 1692g /15 U.S.C 1681n and 15 U.S.C 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is not my account I have made a report with the local police, the FTC, a IC3 FBI report, the CFPB along with other local authorities, government agencies and the Social Security Administration. I am please asking you to remove this at once. I've been involved in several data breaches and unfortunately people are opening up accounts in my name left and right I really need y'all to look into the details of this and say that it was not me I was not even living in Ohio at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I requested debt verification from XXXX XXXX XXXX XXXX, XXXX XXXX for a settled debt in court. The amount did not match the settlement in court. We received on electronic notice XX/XX/year>. We responded XXXX XXXX. No reply from the company. They also still reported a derogatory note to credit reports.

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

Complaint narrative:
In accordance with the fair credit reporting, the list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiry name : XXXX  XXXX ; Date : XX/XX/2025, Inquiry name : XXXX XXXX Date : XX/XX/2025 has violated my rights. 

I looked at my Equifax and noticed some things are incomplete and not accurate. 
According to the FCRA 15 USC 1681E ( b ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy.

And according to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2, they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
My name is XXXX XXXX account number XXXX. Im writing on behalf of the fact that I blocked the charge of this account due to a XXXX XXXX staff member XXXX  with me and ruining my relationship with my partner. At the time of me going to the gym, employee XXXX XXXX openly XXXX with me and my friend. At one point she met my partner and after that, she continuously XXXX me by XXXX XXXX XXXX XXXX  and saying XXXX XXXX XXXX XXXX After this disrespect I stopped attending and blocked all charges from XXXX XXXX. This final warning has made me come out the dark and finally send an email report. I ask to have my contract revoked due to the matter of feeling XXXXXXXX XXXX  by staff and making my experience uncomfortable. Ive already emailed XXXX and been on a back forth argument about my cancellations. I went ahead and mailed an official letter about how this XXXX issue is a violation Federal Consumer Protection Law. They still continue to XXXX and even XXXX me by stating theyll send me to collections without having this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC
State: FL

Complaint narrative:
I sent them this email on XX/XX/year> at XXXX eastern standard time and still received a text this morning. 

To National Recovery Agency, I am disputing the debt associated with Account XXXX XXXX. 

I do not acknowledge this debt as valid. Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting full validation and verification of this alleged debt. 

Please provide the following in writing : Proof and documentation that I owe this debt. 
A complete itemized accounting showing how the amount of {$1800.00} was calculated. 
The name and address of the original creditor. 
Copies of any contract, agreement, or documents showing I agreed to this debt. 
Proof that your agency has legal authority to collect this debt ( chain of assignment / ownership ). 
The date of the last payment received on this alleged account. 

Until I receive the requested validation, you must cease all collection activities, including phone calls, text messages, reporting or furnishing data to credit bureaus, or further attempts to collect. 

Additionally, I am requesting that all future communication be conducted * * only in writing * * by mail or email. Do not call or text my phone number. 

Since this account is currently appearing on my credit reports, I am also disputing it with all three credit bureaus. If you can not provide proper validation, you must instruct the bureaus to delete this account in accordance with the FCRA. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
Whom It May Concern, I am writing to formally notify you that the account in question was fraudulently opened in my name without my knowledge or authorization. I am the victim of identity theft and have filed official reports with the following agencies and authorities : My local police department The Federal Trade Commission ( FTC ) - Identity Theft Report pursuant to 15 U.S.C. $ 1681c-1 and 8 1681c-2 ( Fair Credit Reporting Act ) The Internet Crime Complaint Center ( IC3 ) - FBI The Consumer Financial Protection Bureau ( CFPB ) The XXXX XXXX XXXX XXXX XXXX XXXX  Additional relevant state and local authorities Under the Fair Credit Reporting Act ( 1 5 U.S.C. S 1681 et seg. ) and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. {$1000.00} ), I am requesting the immediate removal, investigation, and permanent deletion of this unauthorized account from your System. 
I have been the victim of multiple data breaches, and as a result, unauthorized parties have fraudulently used my personal identifying information to open accounts without my consent. Please be advised that I was not residing in the XXXX of XXXX  at the time this account was allegedly created In accordance with federal law, I hereby demand that you : 1. Conduct a reasonable investigation into this matter pursuant to your obligations under 1 5 U.S.C. S 1681s-2.

2. Remove and/or block all information associated with this fraudulent account XXXX. Provide written confirmation once the account has been removed and your investigation is complete. 
Should you require additional documentation, I am prepared to provide copies of my identity theft reports, police report, and relevant case reference numbers. 
Please consider this a formal legal notice under applicable federal and state consumer protection laws. 
Sincerely, 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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CL Holdings LLC
State: OH

Complaint narrative:
Whom It May Concern, I am writing to formally notify you that the account in question was fraudulently opened in my name without my knowledge or authorization. I am the victim of identity theft and have filed official reports with the following agencies and authorities : My local police department The Federal Trade Commission ( FTC ) - Identity Theft Report pursuant to 15 U.S.C. $ 1681c-1 and 8 1681c-2 ( Fair Credit Reporting Act ) The Internet Crime Complaint Center ( IC3 ) - FBI The Consumer Financial Protection Bureau ( CFPB ) The XXXX XXXX XXXX XXXX XXXX XXXX  Additional relevant state and local authorities Under the Fair Credit Reporting Act ( 1 5 U.S.C. S 1681 et seg. ) and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. {$1000.00} ), I am requesting the immediate removal, investigation, and permanent deletion of this unauthorized account from your System. 
I have been the victim of multiple data breaches, and as a result, unauthorized parties have fraudulently used my personal identifying information to open accounts without my consent. Please be advised that I was not residing in the XXXX of XXXX  at the time this account was allegedly created In accordance with federal law, I hereby demand that you : 1. Conduct a reasonable investigation into this matter pursuant to your obligations under 1 5 U.S.C. S 1681s-2. 
2. Remove and/or block all information associated with this fraudulent account XXXX. Provide written confirmation once the account has been removed and your investigation is complete. 
Should you require additional documentation, I am prepared to provide copies of my identity theft reports, police report, and relevant case reference numbers. 
Please consider this a formal legal notice under applicable federal and state consumer protection laws. 
Sincerely, XXXX XXXX

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

Complaint narrative:
My brother passed away in 2023 so I went to XXXX and while there I XXXX  my XXXX, the cast they put was crooked so I had to get XXXX and didnt have access to my phone, my mother contacted XXXX to pay off my balance but they wouldnt give her any info as how much she has to pay and how to pay it, when I got my phone back I paid the account in full including late fees and spoke to a manager who said they will take care of the issue but after they hadnt for a month I called them again and they said they couldnt do anything since a billing statement had passed already. I had provided them with the hospital receipt and XXXX  and doctors XXXX papers. Note : they write their date as day first then month then year. Another thing is the first late payment I had on the account earlier that year, they had removed it as courtesy so I dont know why it shows still

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

Complaint narrative:
Whom It May Concern, I am writing to formally notify you that the account in question was fraudulently opened in my name without my knowledge or authorization. I am the victim of identity theft and have filed official reports with the following agencies and authorities : My local police department The Federal Trade Commission ( FTC ) - Identity Theft Report pursuant to 15 U.S.C.XX/XX/XXXXXXXX and XXXX XXXX ( Fair Credit Reporting Act ) The Internet Crime Complaint Center ( XXXX ) - FBI The Consumer Financial Protection Bureau ( CFPB ) The Social Security Administration ( XXXX XXXX Additional relevant state and local authorities Under the Fair Credit Reporting Act ( 1 5 U.S.C. XXXX XXXX et seg. ) and the Identity Theft and Assumption Deterrence Act ( XXXX XXXX. {$1000.00} ), I am requesting the immediate removal, investigation, and permanent deletion of this unauthorized account from your System. 
I have been the victim of multiple data breaches, and as a result, unauthorized parties have fraudulently used my personal identifying information to open accounts without my consent. Please be advised that I was not residing in the State of Ohio at the time this account was allegedly created In accordance with federal law, I hereby demand that you : XXXX. Conduct a reasonable investigation into this matter pursuant to your obligations under 1 5 U.S.C. XXXX XXXX. 
XXXX. Remove and/or block all information associated with this fraudulent account XXXX. Provide written confirmation once the account has been removed and your investigation is complete. 
Should you require additional documentation, I am prepared to provide copies of my identity theft reports, police report, and relevant case reference numbers. 
Please consider this a formal legal notice under applicable federal and state consumer protection laws. 
Sincerely, XXXX XXXX

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

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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

Complaint narrative:
Greetings, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Please confirm receipt of this dispute and provide me with a written response detailing the results of your investigation.

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

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account 1 am asking you to verify as accurate : account name : XXXX financial : Account XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-11 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: FL

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-11 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: NV

Complaint narrative:
I am sending this complaint because my credit report contains multiple inaccuracies and obsolete charge-off accounts that violate the Fair Credit Reporting Act ( FCRA ), including 605 ( a ) [ 15 U.S.C. 1681c ] Obsolete Information, 605 ( c ) Date of Commencement of Delinquency, 623 ( a ) ( 5 ) Obligation to Report Accurate DOFD, 611 [ 15 U.S.C. 1681i ] Consumer Dispute Rights, and 607 ( b ) Obligation to Maintain Accuracy.The XXXX XXXX Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account, showing a {$760.00} balance with a Date of Last Activity of XX/XX/XXXX, was deleted from Experian and Equifax but still appears as a charge-off, violating 605 ( a ). The XXXX ( Acct. XXXX XXXX XXXX XXXX XXXX XXXX charge-off for {$2700.00} lists conflicting Dates of Last Activity ( XX/XX/XXXX and XX/XX/XXXX on TransUnion ) and remains reported even though Equifax deleted it, violating 623 ( a ) ( 5 ). The XXXX ( Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account reports a {$5900.00} balance with inconsistent Dates of Last Activity ( XX/XX/XXXX and XX/XX/XXXX ), violating XXXX ( b ), which requires maximum possible accuracy.If any of these debts were forgiven over {$600.00}, creditors were required to issue a Form 1099-C to the IRS, and the absence of that raises questions about their validity.My report also includes inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX and XXXX XXXX, XXXX XXXX, NV XXXX which are not mine, along with unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). These errors violate the FCRAs intent under 602 to ensure fairness, impartiality, and accuracy in credit reporting.

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