vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: Gravamen Asset Management Group LLC
State: FL

Complaint narrative:
On my XXXX  report I have KESSLER & WILLIAMS/Original creditor : XXXX XXXX . I have never used this company. They report I owe them XXXX dollars. I have disputed with XXXX. It is not reported to XXXX  or XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSSN (Last 4): XXXXDate: XXXX XXXX XXXXEquifax Information Services LLCXXXX XXXX XXXX XXXX XXXXRe : Metro 2 Compliance Dispute  Request for Deletion or CorrectionXXXXXXXX   Account Number ending in XXXXXXXXImproper Metro 2 coding: inconsistent Revolving vs. Charge Account, missing Creditor Classification, missing Original Creditor, missing Activity Designator, incomplete DOFD reporting.\n\nThese errors violate FCRA 1681e(b) (maximum possible accuracy) and 1681s-2 (furnisher duties)XXXX XXXX XXXXImproper coding: Closed account missing final status (Paid/Settled/Closed), missing Terms Amount while showing Monthly, missing Creditor Classification.\n\nIncomplete reporting violates Metro 2 CRRG standards and FCRA 1681e(b).'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I never consented to its creation or use. The required documents are enclosed to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I was sent a final account statement with damage charged, I disputed with the Apartment complex who did not provide proof the pictures they provided were from my apartment. A final walk thru was done and nothing was mentioned during that walk thru. They were not able to show proof the pictures were taken from my apartment, they only provided an invoice showing carpet was replaced before I moved in. They sent pictures of a dirty oven, however I provided them with the pictures of my clean from my move out. The collection company did not do a proper validation as they stated in a letter I did not provide adequate proof, not sure how much more accurate pictures are. They did not do a thorough investigation as per law, they just sent me the same pictures the apartment complex sent. They did not take my dispute seriously and they have put it on my credit report, damaging my credit negatively and not properly saying it was being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was a victim of fraud on both my Chase and XXXX XXXX XXXX about XXXX years ago I trusted a guy with my account meanwhile he took my kindness for weakness instead he tried changing my password so he could deposit a fake check of {$10000.00} both on my Chase and XXXX XXXX XXXXXXXX account meanwhile the account is in negative balance and cant even open a traditional banking the guy messed up my financial history I never ever deposited a {$10000.00} check that was him

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Account company name : Midland Credit Management Inc To Whom It May Concern : I am writing in response to a collection attempt on the above-referenced account. I am formally disputing this debt as I have no knowledge of it and do not acknowledge any obligation to pay this amount. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide written validation of this alleged debt, including : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A copy of the original contract or agreement bearing my signature ; 4. Proof that you are legally authorized to collect this debt in the state of Maryland.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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 respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim

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 2025-09-02 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: NV

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX XXXX, and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information
Metro 2 and XXXX  Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated 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 2025-09-02 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:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

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 2025-09-02 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:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

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 2025-09-02 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: MD

Complaint narrative:
Account company name : XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing in response to a collection attempt on the above-referenced account. I am formally disputing this debt as I have no knowledge of it and do not acknowledge any obligation to pay this amount. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide written validation of this alleged debt, including : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A copy of the original contract or agreement bearing my signature ; 4. Proof that you are legally authorized to collect this debt in the state of Maryland.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc.
State: TX

Complaint narrative:
Multiple unauthorized transactions were done on the prepaid card that I got for a research study and nothing has been done. They won't even send me a dispute form and have let hundreds of dollars be taken from me, and they put early expirations on cards to also facilitate the loss of funds. 
I earned {$350.00} or {$370.00} in XX/XX/XXXX and it was taken with an unauthorized transaction. 
I earned {$1900.00} and much of it was used in authorized transactions in XXXX and XXXX. There are no security measures. No way to actually dispute authorized or unauthorized transactions. They make up excuses to keep money and are in violation of bank regulations. I prefer email contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NC

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-09-02 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: NC

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Surf Consultants, Inc.
State: FL

Complaint narrative:
In XXXX, I was sued for a debt in XXXX XXXX, Florida. In XX/XX/XXXX, the case was disposed after the court approved a stipulation. I never heard from the creditor or collector again. No motion was filed to reopen the case, and I believed it was over. 

Over a year later, in XX/XX/XXXX, the collector obtained a final judgment against me without my knowledge. They never served me or provided proper notice. They mailed documents to an old address, even though my correct address was available on my Florida drivers license issued in XXXX and was a matter of public record. They made no effort to confirm my location through the DMV, skip tracing, or any reasonable means. I had no notice of this judgment until XX/XX/XXXX, more than ten years later. 

This was done through extrinsic fraud. The collector reused paperwork from the closed case to get a judgment without filing new motions or giving me a chance to respond. There were no collection efforts for more than ten years. Then in XXXX, they suddenly used the old judgment to issue subpoenas, contact third parties, and disclose my personal and confidential information in court filings without redaction. This included my full address and landlords name, which were placed into the public record in violation of Floridas confidentiality rules. 

Their actions violated federal and state collection laws, including : Misrepresenting the legal status of a debt by enforcing a void and time-barred judgment. 

Contacting third parties ( landlords and others ) in an attempt to collect, which is prohibited by the FDCPA. 

Harassing me and causing me to lose my place of living in XXXX because of their unlawful contacts. 

I am requesting that the CFPB investigate these violations and hold the collector accountable. I want the judgment removed as it was obtained without jurisdiction or notice, and I want the third-party contacts and improper use of my confidential information to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Your Information : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Date : [ Insert Todays Date ] To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Portfolio Recovery Associates , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Reporting Request for Full Validation Accounts in Question : Portfolio Recovery Assoc ( Acct ending XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Acct ending XXXX XXXX XXXX XXXX XXXXXXXX ) Dear XXXX  & Portfolio Recovery Associates, I am formally disputing the accuracy and completeness of the information being reported on my credit profile under the accounts listed above.

Pursuant to my rights under 15 U.S.C. 1681i ( FCRA 609 ), I request that XXXX  provide me with all documentation you used to verify the accuracy of these accounts, including : 1. The original signed credit application or contract. 2. A full payment history showing how the alleged balance was calculated. 3. Documentation of ownership, assignment, or sale proving Portfolio Recovery has legal standing to report this debt. Additionally, under 15 U.S.C. 1681s-2 ( FCRA 623 ), I am requesting that Portfolio Recovery Associates and XXXX XXXX conduct a reasonable investigation and provide : 1. The original signed contract bearing my signature.

2. Proof that the account was charged off in compliance with federal accounting laws and that the current balance is reported accurately.

3. A copy of the IRS Form 1099-C if the account was charged off and written off as a loss.

If you can not provide these documents, the account must be deleted immediately from my credit file as unverified and inaccurate.

Please note : reporting a charge-off with a {$0.00} balance but continuing to list the account as derogatory without proper validation constitutes inaccurate and misleading reporting under the FCRA. Continuing to report unverifiable information exposes you to liability under 15 U.S.C. 1681n and 1681o.

I expect a full response within 30 days, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
After reviewing my credit report on XX/XX/year>, I identified an account reported by LVNV Funding LLC. for the amount of {$1200.00}, I contacted the debt collector to request verification and removal of the account in question. Following my request, the debt collector has not responded, and the account was reported back as verified. Despite my efforts to resolve and dispute the accuracy of this account, it remains listed on my credit report. I would like to have this account removed from all 3-credit bureaus

Company response to consumer: Closed with non-monetary relief