vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing a collection account that is being inaccurately reported under my name. I have no knowledge of this alleged debt, and I have never received any written validation or documentation proving that this debt belongs to me. I have not entered into any agreement or contract with the original creditor or the collection agency attempting to collect this debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the legal right to dispute a debt I do not believe I owe. The collector is required to provide validation upon request, including the name of the original creditor, account history, and a copy of any signed agreement. I have not received any of this required documentation. 

This debt has been appearing on my credit report and is negatively impacting my score and reputation, yet I have not been provided with any evidence showing that this debt is legitimate, valid, or connected to me. If the company continues to report this information without validation, it is a direct violation of federal law. 

I request an immediate and full deletion of this debt from my credit reports unless hard evidence is provided to prove its validity. Vague responses such as verified as accurate without supporting documentation will not be accepted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bay Area Receivables, Inc
State: DE

Complaint narrative:
On my credit report it says a collection was placed XX/XX/year> and XXXX XXXX XXXX items from the same company. XXXX in the amount of {$1400.00} and {$1000.00}. I have wrote to the company asking for written correspondence that this debt is mine. I also asked for anything they have or any validity this debt is mine.They sent me a paper that said validated. The debt is yours. not what they used to validate and how. This is not my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MN

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
I am submitting this complaint because my credit reports with Equifax, Experian, and TransUnion contain multiple inaccurate, obsolete, and unverified accounts that I have disputed numerous times without resolution. These items are severely damaging my credit and violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

1. Inaccurate Personal Information My credit reports list incorrect aliases such as XXXX XXXX XXXX and XXXX XXXX XXXX. 

Several outdated and incorrect addresses appear that I have never lived at or have not resided at in many years, including : XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX, NJ DOB is reported as only XXXX, and multiple inaccurate employers are listed. 

Violation : FCRA 1681e ( b ) failure to ensure accuracy of identifying data.

2. Inaccurate and Unverified Accounts I have disputed the following accounts and requested verification or deletion, but they continue to be reported across multiple credit bureaus : XXXXXXXX XXXX Account # : XXXX / XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( via XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX These accounts are either obsolete, inaccurately reported, or unverifiable. I never received notices from any of these debt collectors, nor have I received proper debt validation. 

Violations : FCRA 1681i failure to reinvestigate and correct disputed info FDCPA 1692g failure to validate debts upon written request FCRA 1681b no permissible purpose for reporting 3. Unauthorized Credit Inquiries I did not authorize the following hard pulls, and they were made without my written consent : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) TransUnion : XXXX XXXX ( XX/XX/XXXX ) Violation : FCRA 1681b inquiries require a permissible purpose and my authorization. 

Despite submitting formal dispute letters dated XX/XX/XXXX, with supporting documentation, the bureaus have failed to properly investigate and correct the records as required under federal law. This has resulted in ongoing damage to my creditworthiness and financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I recently examined my credit report and found that XXXX XXXX, XXXX is reporting an alleged debt in my name. At no point did I receive a written notice concerning this debt within XXXX ( XXXX ) days of your initial communication, as explicitly required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). Your failure to provide such notice is not a mere oversightit is a direct violation of federal law. 

In light of this serious deficiency, I hereby dispute the validity of the alleged debt and demand immediate production of all documents necessary to substantiate your legal authority to report or collect it. Specifically, provide the following : The complete name and physical mailing address of the original creditor ; A copy of the original agreement or contractbearing my signaturethat allegedly created this debt ; A fully documented and notarized chain of title evidencing all assignments or transfers of ownership of the debt ; Legal proof that LVNV Funding, LLC has current authority and standing to collect on this alleged obligation ; A comprehensive, itemized accounting of the full amount you claim is owed, including all fees, charges, and interest. 

Federal courts have repeatedly affirmed that any entity attempting to enforce or collect a debt must demonstrate valid assignment and ownership through proper documentation. The following case law supports this requirement : XXXX v. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX. XXXX ) : An assignee must present proof of valid assignment to enforce a debt. 

XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : A party must establish standing through a clearly documented chain of title. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) : A mere claim of ownership is insufficient ; documented proof of assignment is mandatory. 

Until all requested documentation is furnished, I demand that you cease any and all collection activities and remove any derogatory tradeline you have reported to the credit bureaus, as required by 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ).

Please be advised that should you fail to comply with this demand, I will not hesitate to initiate legal action against LVNV Funding, LLC for violations of the FDCPA, the Fair Credit Reporting Act ( FCRA ), and applicable state consumer protection laws. This letter constitutes a formal dispute and a clear notice of intent to litigate if your unlawful collection and reporting activity continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: LA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: WA

Complaint narrative:
Reviewing my credit report I found a inaccuracy with a late 30 day payment reported on my transunion report for my loan care mortgage payment XX/XX/year>. I have maintained On time payments, and have no record of late payment. 
I am asking for all credit reports to be 100 % accurate and the same and in compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
I am filing a formal complaint to dispute of certain items reporting on my credit file that were obtained, furnished, or used without my knowledge or legal authorization, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 604 ( f ) 15 U.S.C. 1681b ( f ).

Upon review of my credit report, I have identified the following unauthorized items that I believe were added or accessed without a permissible purpose : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXXXXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
I am requesting the immediate and permanent deletion of all fraudulent accounts and related unauthorized inquiries listed below from my credit report. These accounts were opened without my knowledge or consent due to identity theft. I am the consumer initiating this dispute no third-party is involved. Under 15 USC 1681c2, credit bureaus are required to block such fraudulent information within 4 business days of receiving a valid identity theft report. 

Fraudulent Accounts to be Deleted : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX These accounts were not authorized by me and are the result of identity theft, supported by the FTC Identity Theft Report I submitted along with : Government-issued ID Social Security card Proof of address Requested Resolution : Immediate deletion of all listed fraudulent accounts and associated hard inquiries Blocking of the fraudulent information as required by federal law Written confirmation that these items have been removed Updated copy of my corrected credit report sent to me If these demands are not fulfilled in accordance with FCRA 1681c2, I will escalate the matter to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX State Attorney General offices in both my state and the companys Non-compliance may result in formal legal action, including seeking damages under 15 USC 1681n & 1681o.

This matter requires immediate attention and full compliance with federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

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