vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Ref # XXXX LVNV XXXX XXXX XXXX XXXX, SC XXXX To Whom it may concern This letter is to formally dispute the validity of the alleged debt referenced above, which you are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S Code1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S Code 1681s-2, I hereby request full and complete validation of the debt. 

I further request the following documentation : 1. A copy of the original contract or agreement bearing my signature. 

2.A complete payment history from the original creditor 3.Proof of your availability to collect this debt, including a copy of an assignment or purchase agreement, 4.A copy of IRS Form 1099-C, if the original creditor has charged off or cancelled this debt. 

Please be advised that if the original creditor has issued a 1099-C for cancellation of this debt, then the debt is considered discharged for tax purposes under Internal Revenue Code 6050P. Continued attempt to collect a cancelled debt may constitute a violation of the FDCPA and other applicable federal regulations. 

Until such time as the requested documentation is provided and the debt is fully validated, I request that you cease all collection activities, including credit reporting, in accordance with 15 U.S C 1692c. 

Failure to provide adequate verification including a 1099-C of applicable, may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) and May give rise to legal action. 

This communication is for dispute and verification purposes only and should not be interpreted as an admission of liability or a promise to pay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC
State: TN

Complaint narrative:
I purchased windows from XXXX XXXX with a 6-month same as cash on XX/XX/XXXX. Installation of the windows was completed on XX/XX/XXXX which makes the loan payable XX/XX/XXXX. Unbeknown to me, half the amount was paid to XXXX XXXX on XX/XX/XXXX which according to Greensky made the 6-month as cash due on XX/XX/XXXX with an courtesy extension to XX/XX/XXXX. 

Greensky 's initial order confirmation stated that I was to receive the first statement in 15 days after their first transaction and monthly statements for the life of the loan. No such thing ever happened! I initiated the call on XX/XX/XXXX intending to pay it off in one lump sum payment. To my horror, I discovered that the loan was accruing interest from XX/XX/XXXX - highway robbery! After numerous phone calls, always initiated by me, they responded that I owe the initial amount + interest. I even offered to pay them some of the interest as well. They refused and said I owed the entire amount +. 

I have always paid any debt including same as cash purchases, this is my first experience with a non-ethical loan sharks! 
They change the terms so they can collect interest - a game they play, look at Social Media

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute to TransUnion on XX/XX/XXXX, through XXXX XXXX XXXX XXXX system. The dispute concerns a XXXX XXXX credit card account ( # XXXX ) that was reporting a late payment I believe to be inaccurate. The dispute was assigned ID XXXX and involves an account opened on XX/XX/XXXX, with a balance of {$200.00}. 

As of XX/XX/XXXX, it has been 46 days since I submitted my dispute. The status is still marked as In Review, and I have received no investigation results, updates, or resolution from TransUnion. I have not submitted any new information that would legally extend the 30-day dispute period. 

Per the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), TransUnion was required to complete its investigation within 30 days. Their failure to do so places them in clear violation of the FCRA.

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 2025-05-06 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: FL

Complaint narrative:
I am filing a formal complaint against Equifax for failing to remove a fraudulent account from my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed the account based on identity theft under 15 U.S.C. 1681c-2, and submitted both a police report and a valid FTC Identity Theft Report ( FTC Report Number : XXXX ) as supporting documentation. Equifax acknowledged the dispute but failed to comply with the legal requirements set forth by federal law. 

Despite my clear request to block and delete the fraudulent item, the following account remains on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis : 15 U.S.C. 1681i ( 7 ) Equifax is required to provide a detailed description of the procedures used to verify the disputed information within 15 days. I have not received this documentation. 

15 U.S.C. 609 ( a ) ( 1 ) ( A ) Credit reporting agencies must verify accounts through physical inspection of the original signed consumer contract. Without such verification, continued reporting of disputed accounts constitutes a legal violation. 

15 U.S.C. 1681e ( b ) Equifax must maintain reasonable procedures to ensure the maximum possible accuracy of the information in my file. If the information can not be verified, it must be deleted under 1681i ( a ) ( 5 ). 

Failure to Investigate Properly : 15 U.S.C. 1681i Equifax did not conduct or complete a full investigation within the 30-day window mandated by law. The outcome of the dispute failed to resolve the identity theft issue. 

15 U.S.C. 1681c-2 Equifax was required to block identity theft-related information within four business days of receiving my valid report. This did not occur. 

In addition, under 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my file, which has not been done. 

Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) Equifax has not demonstrated that it used reasonable procedures to ensure the accuracy and completeness of my credit report. I request a full explanation of the methods used and the immediate removal of the account. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and ensure that Equifax complies fully with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS

Complaint narrative:
A paid-in-full debt is still being reported negatively on my credit report. 
I am filing this complaint because [ Berlin-Wheeler-KS ] continues to report a debt on my credit report that has been paid in full. The current reporting status does not accurately reflect that the balance is {$0.00} and that the account has been resolved. 

I have contacted the furnisher to request that they update or remove the account, but they have failed to take action. The account is still being reported as [ e.g., Collection, which is misleading and unfair, given the full payment.

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 2025-05-06 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: NY

Complaint narrative:
Dispute Letter to Equifax [ Date : XX/XX/XXXX ] Equifax XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Inaccurate Information on Credit Report ( Reference # XXXX ) Dear Equifax, I am writing to dispute inaccurate information contained in my credit report, identified under Reference # XXXX, dated XX/XX/XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which mandates reasonable procedures for accuracy, 15 USC 1681s-2, which requires furnishers to provide accurate data, and 15 USC 1681i ( a ) ( 5 ), which requires the deletion of unverifiable information, I request the immediate investigation and removal of the following disputed items. 
Disputed Items Category : Risk Factors 1. Item Code : XXXX - Insufficient Credit History Details Reported : Lack of sufficient credit history, impacting score ( XXXX ) Inaccurate Details : No specific accounts listed ; date of birth reported as XX/XX/XXXX, but only year ( XXXX ) verified ; current address XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Bureau : Equifax Requested Action : The incomplete history and partial date of birth are inaccurate. Verify all accounts from XXXX and include history at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX, deleting this item if unsupported. 
2. Item Code : XXXX - Unpaid Collection Accounts Details Reported : Too many unpaid collection agency accounts Inaccurate Details : No specific creditor or balance provided; possible link to XXXX XXXX ( XXXX, VA, ( XXXX ) XXXX ) from creditor contacts ; no account number or date opened Bureau : Equifax Requested Action : The unspecified collections are unverifiable. Identify specific accounts ( e.g., XXXX XXXX ) with balances and dates, and remove this item if not substantiated. 
Category : Customer Statement/Fraud Alert 3 . Item Code : XXXX - Fraud Alert Discrepancy Details Reported : Initial fraud alert with contact ( XXXX ) XXXX Inaccurate Details : Alert listed but no fraud documentation ; address XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX conflict with prior records Bureau : Equifax Requested Action : The fraud alert lacks supporting evidence. Verify the basis and remove if not tied to documented fraud. 
Please conduct a thorough investigation within the 30-day period required under FCRA 15 USC 1681i ( a ) ( 1 ) and provide me with the results, including any deleted items, as required by 15 USC 1681i ( a ) ( 6 ). Enclosed are copies of my drivers license and the credit report for your reference. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-05-06 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: EQUIFAX, INC.
State: ND

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF XXXX XXXX THERE ARE HARD INQUIRIES. IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WITHN 4 DAYS, INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
They did comply and delete this account. After a XXXX reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: MS

Complaint narrative:
XXXX XXXX XXXX Account XXXX : XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. states i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items 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 ) A person shall not furnish any information to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I asked XXXX XXXX XXXX for a debt valdation letter or any kind of paperwork with my signature on it and they failed to do so. This account is fraudulent I don't recognize it.

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 2025-05-06 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: MS

Complaint narrative:
XXXX XXXX XXXX Account XXXX : XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. states i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items 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 ) A person shall not furnish any information to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I asked XXXX XXXX XXXX for a debt valdation letter or any kind of paperwork with my signature on it and they failed to do so. This account is fraudulent I don't recognize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OUT TECH, INC.
State: PA

Complaint narrative:
I am filing this complaint to report willful violations of federal consumer protection laws by OUT TECH, INC.. This company has unlawfully reported a debt to consumer reporting agencies without first providing mandatory validation, dispute rights, or legal disclosures as required by federal law. 

This conduct is not only reckless but also demonstrates blatant disregard for consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The company : Reported a debt to credit bureaus without providing the required written validation notice, violating 12 CFR 1006.34 ( b ) ( 5 ).

Failed to provide a proper notice of the right to dispute the debt before furnishing the data to credit bureaus, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furnished data to consumer reporting agencies without required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 1 ) ( A ).

Continued to report the debt without investigating or responding to my written dispute, in violation of 15 USC 1681i and 1681s-2 ( b ).

Used false, misleading, and deceptive collection tactics that constitute unfair practices under the FDCPA and other federal consumer laws. 


Despite my formal demand for validation, this agency has refused to provide any evidence of the debt, including : A copy of the original signed agreement A full itemization of the balance Proof of ownership or assignment of the debt Proof of licensing and bonding in my state This is a serious breach of federal law. Reporting unvalidated, inaccurate, or disputed debts constitutes injurious conduct that causes credit damage and legal harm to consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: KEYCORP
State: OR

Complaint narrative:
Key Bank reported me to XXXX XXXX XXXX XXXX XXXX for Checking Account Fraud for a misunderstanding. I will explain the situation and steps I took to resolve it. Key Bank didn't respond to my request to correct/update/remove the reporting of Fraud. 

The back story is I had a checking account with Key Bank and live right next to a branch. I had funds in a checking account at XXXX XXXX and wrote a check to myself for {$300.00} and mobile deposited it. This was in the middle of the night and I got an error message on my the Key Bank app. So, I took the check to the ATM and deposited it. Both accounts were involved were in good standing and I had no intention of committing fraud or doing anything wrong. 

Key Bank cancelled the remote mobile deposit and also the ATM deposit claiming that I was attempting to deposit the same check twice. I called Keybank to explain and I hand wrote a letter explaining the above and also I told them if I knew the mobile deposit went through I wouldn't have attempted to make a deposit in the ATM and I also wrote in the letter that if I were trying to make XXXX deposits I could have written a second check since that was my account. They didn't respond and wrote a letter saying they were permanently closing my account. They sent a letter stating the account was overdrawn {$99.00} and requested it. 

After all of this I needed to file XXXX  XXXX bankruptcy and was advised by my attorney to not pay the {$99.00} and instead include Key Bank as a creditor in my bankruptcy. I did successfully file XXXX XXXX ( Case XXXX ) and Key Bank did not make a claim against my bankruptcy. 

I wrote an additional letter explaining the situation and as of XX/XX/year> Key Bank still has me listed in XXXX XXXX XXXX under Reported Information as " Checking Account Fraud with a Principal Loss of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
Upon reviewing my consumer credit file, i noticed there was a fraudulent account reflecting which i have no knowledge of nor did i initiate as the consumer. The account in fraudulent status : XXXX XXXX XXXX, Account : XXXX, Amount : {$96.00}. This account should not be placed on my account. My information has been breached and items that i do not recognize nor recall initiating are placed on my file, and needs to come off. Please don't say that the debt is verified when i the consumer is informing you that i have no knowledge of this account and it needs to be blocked and deleted within four business days. If failure to comply then i the consumer will be pressing consumer violation claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
Upon reviewing my consumer credit file, i noticed there was a fraudulent account reflecting which i have no knowledge of nor did i initiate as the consumer. The account in fraudulent status : XXXX XXXX XXXX, Account : XXXX, Amount : {$96.00}. This account should not be placed on my account. My information has been breached and items that i do not recognize nor recall initiating are placed on my file, and needs to come off. Please don't say that the debt is verified when i the consumer is informing you that i have no knowledge of this account and it needs to be blocked and deleted within four business days. If failure to comply then i the consumer will be pressing consumer violation claims.

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 2025-05-06 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CT

Complaint narrative:
I am filing this report to address errors on my credit report. Equifax has confirmed a system issue that caused my personal information to be leaked and used without authorization. Due to this, I have experienced denials, and I request that the matter be resolved within four business days.

Company response to consumer: Closed with non-monetary relief