vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing in regard to the alleged debt referenced by your office. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you immediately cease and desist all communication with me regarding this alleged debt, except as permitted by law.

I do not consent to any further contact by telephone, text, email, or any other method, either at my residence, place of employment, or through third parties. Any continued attempt to collect this debt through direct communication with me, aside from the exceptions allowed under the FDCPA, will be considered harassment and a violation of federal law.

If you believe this debt is valid and intend to pursue legal action, you may notify me of such action in writing only. Otherwise, I expect no further communication. 

Be advised that if you fail to comply with this request, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I also reserve the right to pursue legal remedies for any violations of my rights. 

This letter is not an acknowledgment of the debt, nor should it be construed as such. I dispute the validity of the alleged debt, and this demand is made solely to enforce my rights under federal and state law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit report clearly states I am a victim of identity theft. I have submitted my ftc reports along with police records multiple times to Equifax. I have XXXX accounts that they claimed they verified which is not true. There is a XXXX account using my information with a XXXX, la address which I dont live and never had connection to. Also XXXX XXXX  reporting a paid debt to Equifax with no paperwork proving I owe them anything, they are submitted an old contract from XXXX XXXX bank. XXXX XXXX XXXX was paid in full but sold my information to this company who used my information to cause hardship in my life. I currently am going to court for this matter and waiting on arbitration in the matter. Equifax is not validated these matters and are claiming they are. 
My data has been smeared, sold, and purchased due to the misconduct of the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> Resurgent Receivables, LLC [ Resurgents Address commonly : XXXX XXXX XXXX, XXXX, SC XXXX ] Re : Cease and Desist & Formal Dispute Account No. XXXX {$1300.00} To Whom It May Concern : This letter is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), demanding that you immediately cease and desist all forms of communication with me regarding the alleged debt referenced above. This includes, but is not limited to, phone calls, letters, emails, or any other direct or indirect contact. 

Additionally, I am formally disputing the validity of this alleged debt and demand the immediate deletion of any reporting related to this account from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXXn ). Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that any information you furnish is accurate, complete, and verifiable. Continued reporting of inaccurate or disputed information constitutes a violation of federal law. 

Please be advised that I am fully aware of my rights under the FDCPA and FCRA. If you fail to comply with this request, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I also reserve the right to pursue civil action for any continued violations, including statutory damages, court costs, and attorneys fees. 

Let this letter serve as your legal notice to comply immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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 submitting this complaint regarding multiple inaccuracies on my credit report. These reporting errors violate the Fair Credit Reporting Act ( FCRA ), and I request immediate correction and removal of the affected items. 
Late Closed Accounts ( FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} * * These accounts are inaccurately reported as late or delinquent and must be removed as they are not reflective of my actual payment history.

Collection Account ( 605B / 15 U.S.C. 1681c-2, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) ) XXXX  OriginaXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} This account is being reported inaccurately, and I request a full investigation. No supporting documentation, such as an IRS Form 1099-C, has been issued for this debt over {$600.00}. 
Unauthorized or Incorrect Credit Inquiries ( FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q ) XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without my proper authorization and should be removed from my credit file.

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 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
What happened? 

On XX/XX/XXXX, XXXX XXXX XXXX sent me a letter admitting that the account was sold on XX/XX/XXXX to Midland Credit Management , Inc. ( Midland ). In that same letter, XXXX stated that it was unable to act with respect to this account after the sale. 

Despite this admission, XXXX has continued to report the account as a charge-off on both Equifax and XXXX  through XXXX, showing balances of {$24000.00} ( XXXX XXXX XXXXXX/XX/XXXX ) and {$26000.00} ( XXXX XXXX ). 

On XX/XX/XXXX, XXXX sent me a Pre-Legal Notification dunning letter threatening legal action and demanding {$24000.00}, while also naming XXXX as the Original Creditor. 

This means both companies are reporting or collecting on the same account at the same time. As of the most recent XXXX  Dispute Results ( XX/XX/XXXX ), XXXX XXXX Midlands account but still shows XXXX reporting a separate tradeline with the same balance. 

I have disputed these tradelines, but they remain on my reports. I continue to receive harassment in the form of collection letters from XXXX while XXXX reports a charged-off account it no longer owns. 

This dual reporting is inaccurate, misleading, and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am submitting this formal complaint against TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing TransUnion with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the account in question include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, which banks confirmed would be removed but remains on my report ; it is identity theft-related and should have been blocked under 1681c-2 of the FCRA. TransUnions refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. 
These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-09-04 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: PA

Complaint narrative:
I am extremely concerned to see that inaccurate late payments are still listed on my credit report today. Refreshing my browser didnt fix it, and this is very frustrating. I urgently ask that all submitted documents be carefully reviewed to resolve this once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Complaint Against Equifax, Experian, and TransUnion for Failure to Correct Inaccurate Payment History and Billing Error Reporting I am submitting this complaint against Equifax, Experian, and TransUnion for their continued reporting of inaccurate and incomplete payment history on my credit report, despite proper disputes and documentation provided directly by me. I want to make it clear that this dispute was submitted by me personally, not by any third party. 

Basis of Complaint Upon review of my credit file, I identified multiple late payment notations that are inaccurate and constitute billing errors under 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act. Specifically : Failure to accurately reflect payments made or credits issued. 

Computation and accounting errors by the creditor. 

Failure to provide billing statements at least 21 days prior to the due date, which means late payments should not have been recorded. 

Despite these clear errors, the credit bureaus have continued to report the accounts with late payments and have not provided lawful verification. 

Disputed Accounts 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  Violations The credit bureaus are in violation of : 15 U.S.C. 1681e ( b ) : Failing to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failing to conduct a reasonable reinvestigation of disputed information.

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 2025-09-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Complaint Against Equifax, Experian, and TransUnion for Failure to Correct Inaccurate Payment History and Billing Error Reporting I am submitting this complaint against Equifax, Experian, and TransUnion for their continued reporting of inaccurate and incomplete payment history on my credit report, despite proper disputes and documentation provided directly by me. I want to make it clear that this dispute was submitted by me personally, not by any third party. 

Basis of Complaint Upon review of my credit file, I identified multiple late payment notations that are inaccurate and constitute billing errors under 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act. Specifically : Failure to accurately reflect payments made or credits issued. 

Computation and accounting errors by the creditor. 

Failure to provide billing statements at least 21 days prior to the due date, which means late payments should not have been recorded. 

Despite these clear errors, the credit bureaus have continued to report the accounts with late payments and have not provided lawful verification. 

Disputed Accounts 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  Violations The credit bureaus are in violation of : 15 U.S.C. 1681e ( b ) : Failing to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failing to conduct a reasonable reinvestigation of disputed information.

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 2025-09-04 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX Original Creditor Name XXXX XXXX  XXXX Balance : {$4300.00}

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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX account : This account shows a reported balance of {$2200.00}, yet it is marked as closed as of XX/XX/2025. The payment status and worst payment status are listed as No Info, while at the same time the account is marked as derogatory. There are also duplicate dispute remarks ( Account information disputed by consumer ) appearing more than once. These inconsistencies are misleading and do not accurately reflect the accounts history or status. 

XXXX account XXXX This account shows a payment history of XXXX  % on-time payments with no late payments reported ( XXXX ). Despite this, the remarks state Account closed by credit grantor, and this phrase appears twice. The worst payment status is listed as No Info, even though the account shows a complete positive history. The combination of a positive payment record with derogatory closure remarks is inconsistent and paints a misleading picture of the account. 

The XXXX account is reporting inconsistently. It shows as closed on XX/XX/2025, but there is a new {$100.00} transaction posted on XX/XX/2025, which conflicts with its closed status. The account also shows a balance of {$100.00} and is marked as XXXX days late with a profit and loss write-off remark. This is contradictory, as a closed and written-off account should not simultaneously report new transactions, a balance due, and delinquency. The payment history is also inconsistent, showing partial on-time payments while still reporting derogatory closure. These inaccuracies create a misleading and unfair representation of the account. 

I am requesting that both accounts be reinvestigated and corrected to ensure the information is accurate and not contradictory. If the companies involved can not verify the accuracy, I ask that the disputed items be removed from my credit file in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the account in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which banks confirmed would be removed but remains on my report ; it is identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. 
These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
After submitting a dispute about inaccurate information on my credit report, I was informed that the account was " verified '' by the furnisher. However, the furnisher never contacted me, provided no supporting documentation, and failed to explain how the verification was conducted. This lack of a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ), particularly the standards set forth in FCRA 602 ( A ) ( which requires fairness and accuracy ) and 611 ( which requires a reasonable reinvestigation ). 
OFFICE OF THE ATTY GEN XXXX XXXX XXXX  Balance : {$400.00}

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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX  and TransUnion has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable investigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. On XXXX XXXX XXXX  removed and deleted XXXX XXXX XXXX account- XXXX from my credit report.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, my Wells Fargo account ending in XXXX was charged {$1500.00} at XXXX XXXX XXXX XXXX XXXX, XXXX, AZ. I did not authorize this transaction. XXXX confirmed they had no record of this purchase. 

I immediately filed a claim with Wells Fargo. On XX/XX/year>, I received a denial letter stating the charge was valid. I disputed this and called back multiple times. 
XX/XX/year>, XXXX PM : Wells Fargo Claims Agent XXXX, badge # XXXX, told me the case would be reopened and I would receive a resolution letter within XXXX business days. 
I never received this letter. 
Another agent later told me the case could not be reopened, but a new case ( # XXXX ) was filed regarding additional unauthorized transfers ( - {$130.00}, - {$700.00}, and - {$15.00} ). 
My banker, XXXX, and another claims agent, XXXX, were also involved in the process. 

This has caused serious hardship. Three of my accounts were closed due to the fraudulent activity, and Wells Fargo has given me inconsistent and conflicting answers. They promised a reopened investigation but failed to follow through. 

I also have screenshots of the barcodes and the text conversation with the scammer as well so if you get any more information, let me know

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