vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Braviant Holdings, LLC
State: OK

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
Date : XX/XX/XXXX To : Columbia Debt Recovery LLC dba Genesis XXXX XXXX XXXX XXXX, WA XXXX Subject : Final Notice Cease and Desist, Debt Validation, and Legal Exposure Ref : Account # : XXXX To Whom It May Concern, This letter serves as final notice regarding your illegal contact and continued reporting activity concerning the above-referenced alleged debt. 

I previously sent you a Cease and Desist + Validation Demand via Certified Mail on XX/XX/XXXX ( XXXX XXXX # : XXXX ), delivered XX/XX/XXXX. 

Despite this notice, your agency knowingly contacted me again via email on : XX/XX/XXXX Follow-up emails the same day admitting prior contact was an error These communications constitute willful violations of 15 U.S.C. 1692c ( c ) ( FDCPA ), which prohibits debt collectors from further contact after a written request to cease.

Additionally, you have failed to provide full validation of the alleged debt and failed to complete the Debt Collector Disclosure Statement as previously demanded. Your continued reporting of unverified information to credit reporting agencies is a direct violation of FCRA 623. 

Legal Exposure : Your agency is now liable for : {$1000.00} per FDCPA violation FCRA damages for reporting unverified information Potential claims under XXXX and consumer fraud statutes Any other damages arising from further illegal collection attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-25 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My identity was stolen back in XXXX. My drivers license, my passport and my Social Security card all in my purse and a person when it applied for a lot of credit cards and this third-party collect company is garnishing my wages for my job every week for something thats fraudulent I called XXXX XXXX XXXX XXXXhey dont see the account for me at all so this third-party company is gon na my wages for something as fraudulent and its not legal. 
A third-party debt collector XXXXXXXX XXXX XXXXXXXX XXXX is saying that I owe them {$1800.00}. LVNV funding LCC is all fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
Sofi Credit Card Account was frozen because of an unsuccessful payment of {$500.00} to a XXXX XXXX account on XX/XX/year>. XXXX was used again which made me go over the limit. That XXXX XXXX account is real and current and has been used to make payments before on XX/XX/year> of {$950.00}. The account just happened to be slightly under the balance needed to complete the payment. Account has been frozen for a couple of days now pending investigation but no one at customer service can tell me anything about who is handling it. Would like to have the issue resolved quickly as this was just a minor hiccup with a card I havent even had for 3 months yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 disputing the accounts listed on my TransUnion credit report as these entries contain inaccuracies or incomplete information. I request that TransUnion investigate these items and correct them according to the Fair Credit Reporting Act ( FCRA ) guidelines. 

CHARGED OFF ACCOUNTS Bankruptcy Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CORELOGIC INC
State: NY

Complaint narrative:
I have hard inquiries from a XXXX mortgage loan companies that do not belong on my credit as I did not apply for a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXXir Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights 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 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
In XX/XX/year>, I received emails from Jefferson Capital Systems regarding severaXXXX XXXX XXXX XXXX  accounts. On XX/XX/year>, I submitted a timely written debt validation request covering XXXX accounts. Jefferson Capital responded, but the documentation they provided was incomplete and did not meet the requirements of FDCPA 1692g ( b ) or California Civil Code 1788.52. 

On XX/XX/year>, I sent a continued dispute email notifying them that all XXXX accounts remained unverified. Their documentation did not include : Proof of ownership or assignment, Itemized accounting or ledger, Payment history from the original creditor, Verification of accuracy under penalty of perjury, Proof of last payment or default.

Jefferson Capital then closed only one of the disputed accounts, despite my dispute explicitly covering all XXXX. On XX/XX/year>, I emailed again to clarify that my continued dispute applied to all listed accounts. Jefferson Capital did not respond. 

Despite my timely dispute and their lack of validation, Jefferson Capital furnished XXXX unvalidated and disputed accounts to both TransUnion and Experian under the furnisher names JEFFERSON CAPITAL SYSTEM ( XXXX  ) and JEFFERSON CAPITAL SYST ( XXXX  ). These trade lines appeared after my dispute and while validation was still pending. 

Furnishing unvalidated debt constitutes collection activity and violates : FDCPA 1692g ( b ) - continuing collection activity after written dispute, California Civil Code 1788.52 ( d ) - debt buyers must possess required documentation before collecting or furnishing, California Civil Code 1788.58, FCRA 623 ( a ) ( 1 ) ( A ) - furnishing information that can not be verified, FCRA 623 ( a ) ( 3 ) - re-furnishing or newly furnishing disputed information.

Jefferson Capital has still not provided complete validation for any of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
XXXX. I Requested Debt Validation for the {$1700.00} Alleged Debt On XX/XX/year>, I sent Cavalry a written request for validation regarding the alleged {$1700.00} debt they claim I owe. My letter requested : A full payment history The original agreement with my signature Proof of ownership/assignment Documentation supporting the {$1700.00} amount Verification no insurance offsets were applied Cavalry never responded to this request. 
The letter is attached 2. Cavalry Told the CFPB They Mailed Validation, I Never Received Anything In their XX/XX/year>, response to the CFPB, Cavalry stated : A validation notice was mailed on XX/XX/year> Additional documentation was mailed on XX/XX/year> I received none of these mailings, by mail or any other method. 
Their claim is documented in their own response. 

XXXX XXXX CFPB + Attach This is concerning because Cavalry also claims I never disputed the debt before the CFPB complaint, which is incorrect, since I submitted a detailed written dispute on XX/XX/year>, explicitly challenging the {$1700.00} they allege I owe. 

XXXX. XXXX Continued Reporting the {$1700.00} Collection Without Verification Without providing any validation, Cavalry continued to : Report the alleged {$1700.00} deXXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX the account as owed by me Continue collection activity Reporting a debt without proper validation violates : FDCPA 1692g ( b ) Must cease collection until validation is provided FCRA 1681s-2 ( a ) Can not furnish inaccurate or unverified information I dispute the alleged balance because : I never received any validation or supporting documentation No original agreement was provided No itemized statement explaining the {$1700.00} amount was provided No proof Cavalry owns or has the right to collect the debt was provided I do not acknowledge the debt without verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
XX/XX/year> {$1000.00} I am writing to inform you that I dispute the above-referenced account and demand that you cease all further communication with me, as permitted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c. 

Specifically, I request that you : XXXX. Cease all phone calls to me. 
XXXX. Cease all written communication with me, except for the following : - A single notice stating that you are ceasing further collection efforts. 
- A single notice stating that you are filing a lawsuit or referring the account to an attorney. 
XXXX. Communicate with me only through my attorney, [ Attorney Name ], if applicable. 

I understand that this request does not eliminate my obligation to pay any valid debt. However, I dispute the validity of this debt and request that you provide proof of the original contract, account statements, and evidence of your right to collect this debt. 

If you fail to comply with this request, I will consider it harassment and will take all necessary actions to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all XXXX  credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Mailed a copy of a request to have unauthorized inquires removed from all XXXX XXXX Experian, Trans Union, & Equifax by XXXX Mail but received no response. Here is a copy of the letters that were sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, are in valation of 623 ( A ) 6,15 u.s code 1681c-2 this is my statement. that of the accounts listed below have been reported without my XXXX  concent and therefore is result of idinity theft and must be remove. These accounts are not related to any transactions made by me. Consumer : fradulant accounts : XXXX XXXX XXXX : ACCOUNT : XXXX, XXXX XXXX XXXX XXXX XXXX FRADULENT NAME : XXXX XXXX XXXX Accounts Affected by the XXXX  Credit Card Opened by the Thief

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 writing to dispute several items on my credit report that I believe are incorrect or incomplete. Below are the details of the accounts in question, separated by credit bureau. 

Charged Off Accounts : XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$8300.00} XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached 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 2025-11-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN ( last XXXX ) : XXXX Date : __________________ XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Re : Debt Validation Request Account : XXXX  XXXX ( Balance : {$1500.00} ) TransUnion Reporting Date : XX/XX/year> To Whom It May Concern, This letter is a formal request for validation of the above-referenced alleged debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g . 

Please provide : XXXX. Original signed contract or application XXXX. Full accounting of the amount XXXX. Proof of assignment or ownership XXXX. Copy of last billing statement XXXX. Proof that I am legally obligated for this debt Pending full validation, you must cease reporting this account to TransUnion or any bureau. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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