vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am formally disputing the validity and accuracy of the debt in the amount of {$15000.00} being collected byXX/XX/XXXXon behalf of XX/XX/XXXX 
In response to my request for debt validation, XXXX provided a XXXX XXXX and a Move Out Statement from the original creditor. Analysis of these documents reveals multiple critical discrepancies and violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Demonstrated Inaccuracy ( FCRA Violation ) : The amount reported by XXXX is factually inaccurate according to the creditor 's own final accounting. ThXX/XX/XXXX Move Out Statement ( dated XX/XX/XXXX ) clearly lists the " Final Balance '' as {$15000.00}. The amount being collected and reported by XXXX is {$15000.00}. This {$0.00} discrepancy proves the reported balance is inaccurate and unverifiable from the creditor 's final record, requiring immediate deletion from my credit report under the FCRA. 
XXXX. Unsubstantiated and Improper Charges ( FDCPA Violation ) Supported by FTC Action : The underlying debt balance is heavily inflated by charges that appear unsubstantiated, repetitive, and potentially unlawful. 
Improper Post-Notice Rent Charges : The Move Out Statement explicitly lists the Notice date as XX/XX/XXXX. Despite this notice, the Resident Ledger and Move Out Statement continue to show full monthly rent charges for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and partial XX/XX/XXXX. I was charged thousands of dollars in rent for a period the property was not lawfully occupied by me, and the original creditor has failed to provide contractual justification for these post-notice charges. 
Deceptive Fees and Pattern of Abuse : The Move Out Statement includes a charge for a " XXXX XXXX XXXX Fee '' of {$1300.00} posted on XX/XX/XXXX, along with multiple, identical charges for " Resident Rent ( XX/XX/XXXX ) ''. I note that these types of mandatory, undisclosed fees align directly with the deceptive practices cited by the Federal Trade Commission ( FTC ) in its recent enforcement action against XXXX XXXX. This action resulted in the company agreeing to pay {$48.00} XXXX toward customer refunds for deceptive pricing, mandatory " junk fees '' ( such as those for utility management and smart-home technology ), and unfair security deposit practices. The presence of the large, unverified " Master Policy Admin Fee '' and duplicate charges in my own ledger strongly suggests the debt is rooted in the same unlawful practices investigated by the FTC. 
Conclusion and Requested Resolution : The documents provided by the collector confirm the debt is inaccurate and contains unsubstantiated, possibly fraudulent, fees. Therefore, XXXX has failed to legally validate the 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 2025-10-24 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2025-10-24 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: AR

Complaint narrative:
I sent a formal Debt Validation and Disclosure Demand to LVNV Funding LLC c/o Resurgent Capital Services on XXXX, XXXX  and a follow up notice on XX/XX/year> requesting full validation and proof of ownership for an alleged debt originally with XXXX Account XXXX in XXXX XXXX XXXX. Their only response was a XXXX billing statement and a one-page account summary which do not constitute legal debt validation. They failed to provide a signed contract or agreement chain of title or proof of legal ownership and evidence that the account was not sold, transferred, or securitized. Despite my dispute the have continued to report this account to the credit bureaus violating FDCPA 1692g ( b ) and FCRA 1681s-2 ( a ) ( 3 ). I am requesting the CFPB to investigate LVNV Funding LLC and Resurgent Capital Services for continuing collection and reporting activities without proper validation and to require the removal of this account from my credit reports until they comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
I receive numerous calls from FH Cann & Associates. Each time I receive a call from XXXX they ask for a different person. Again, they always ask for a different person and have never asked for me. This is apparently a debt collector and I owe no current or past debts to anyone. I did contact the company three times requesting that the calls stop but the calls not only continued but the frequency increased. Again, each time they ask for a different person. Can you assist in getting this company to stop harassing me? I tried to file a complaint with XXXX but I was unable to do so due to the government shut down. Again, can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
Up until yesterday I hadn't created an Experian Account. I received an alert that my information was found on the dark web because I paid for ID Notify through turbo tax. I then tried to create an Experian account to freeze my credit and put in a fraud alert to try and protect my identity. To my surprise an account had already been created except the phone and email on the account is not mine. I realized this when it listed the fraudster partial email and phone number as places to send a confirmation number to, to reset the password and lookup the username. I have been trying for 2 days to get someone from Experian on the phone. After dozens of calls I have only been able to reach 2 people who then immediately redirect me to the automated loop which can not connect me with anyone, redirects to the website which I can not access, or and hangs up. Their website does not accept my SSN and birthday as correct. I have NO way to reclaim this account in a timely manner, that has been created with my stolen information, and I have no way of seeing what damage may have been done. I have tried every number I can find for Experian. I have tried downloading the app and at one point to try and crat a new account. I was able to upload my drivers license and a picture of myself when prompted but then it said it still couldn't identify me. I don't know how a company can be allowed to operate in this fashion. 
Experian needs to be investigated for their business practices. There is no customer service at this company. Their prompts loop and hang up on you. I have no way of stopping someone from unfreezing my credit with Experian and damaging my life. I was able to easily create and freeze the other two companies. This is an Experian problem.

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 2025-10-24 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: CA

Complaint narrative:
I opened a Self secured credit card. I never received the card and I cant get a hold of anybody on the phone as the phone number says that theres no customer service available at this time there hasnt been any time Ive called and there is no option to close your account online or to get a replacement card as I never even received my original card they took my deposit and I have nothing moving forward and no way to fix it contact them through chat or through Phone. They have no customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
Hello and thank you for your time and assistance with this matter. 

I was on a forbearance plan with PennyMac, my mortgage servicer, because I was out of work, than began in XX/XX/XXXX. 

Last month, on or about XX/XX/XXXX, I made PennyMac aware via phone call that I had retained permanent employment and provided my new income information. The PennyMac rep gave me two options that I qualified for. When explaining to me the options, she specifically told me that by selecting the option I went with, that they would NOT report any late payments on my mortgage to the credit bureaus. I decided on the option that would not report to the credit bureaus because I do plan to make large purchases in the next year. This option also happened to be one that required a large partial claim lien on my home.

PennyMac sent me the loan modification documents, I signed and notarized them, and almost as soon as they received the paperwork, my credit was hit with more than 120 days late on my mortgage.

After research, I learned this seems to be common tactic with PennyMac. I would like an investigation into this and have your organization review the last phone call I had with them so that you can hear how I was told that I would not be reported late to the bureaus. 

As mentioned, I started a new job and because of this credit reporting, I was denied for a company granted credit card. This was incredibly embarrassing for me. 

Please help me in rectifying this situation. They should not allow agents to have these types of conversations with customers if they are not qualified. If the agent provided incorrect information that I needed in order to make an informed decision, it should be honored. Please ask for the recording. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have fraudulent inquiries on my credit report and need to be removed immediately. Affecting me and my personal goals.

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UPGRADE, INC.
State: MI

Complaint narrative:
The company contacted me to discuss financial hardship after being off work for a few months. At that time, I was not yet 30 days past due but approaching it. I specifically asked about doing a settlement to resolve my balance, but I was told that no settlement or hardship programs were available. 

A few months later, I received an email about a settlement offer. I responded and expressed my willingness to pay. Instead, I was advised to make a different payment that would supposedly keep my account open and in good standing, and I made the payment as instructed. 

Later, I discovered that my account was not actually open, and my account privileges had been revoked. The account only appeared open for record-keeping purposes. I was misled into believing I was maintaining an active account when it had already been closed. 

This misleading information caused negative credit reporting and financial harm. Although the company has since contacted me, I want this matter formally reviewed and documented. 
What do you want done about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : * * Creditor/Collection Agency Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Account Current Balance : {$5800.00}, Date of Account : XX/XX/year> * * I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

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 2025-10-24 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: IL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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