vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: MI

Complaint narrative:
I am writing to formally dispute multiple fraudulent accounts that were opened in my name due to identity theft. In accordance with FCRA Section 605B [ 15 U.S.C. 1681c2 ], I am demanding that the following accounts be permanently blocked and removed from my credit file.

Despite my not authorizing these accounts, they continue to appear and negatively impact my credit profile. This is not only unacceptable but a direct violation of my consumer rights under federal law. If these accounts are not promptly removed and this issue is not resolved in compliance with the FCRA, I will have no choice but to pursue legal action. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
This company were sent letters as soon as I was notified of the debt being reported on my credit report. First letter sent in XXXX of 2025, second letter 30 days later. I have made phone calls when I didnt get a response from the company only to be talked to bad and demand of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: TN

Complaint narrative:
on XX/XX/year> I requested a reinvestigation to be completed of a file regarding ACC : Credit Acceptance XXXX. this listing is incorrect and I ask in my letter that they delete this acc account Immediately after investigation is complete but this filing still remain. proof of document is supported about this error. my high Balance at Transunion is showing on my credit report in the amount of {$21000.00}. This is incorrect the High balance was {$37000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This credit reporting agency has claimed to do a thorough and lawful investigation to verify and validate the accuracy of this account. After their investigation, they have reported this to be verified as accurate. But in the attached photos, you can see that this account is in direct violation of 15 USC 1681 accuracy of reporting. This account is indirect violation of 15 USC 1666B time of payment and this account is indirect violation of the Protection afforded to me by the FCRA as a federally protected consumer. Name : XXXXXXXX XXXX XXXX Account number XXXX Account status : closed. This account has been closed and sold to a debt collector. Yet this company is still reporting this balance as active. It should be updated to XXXX. This account has been reported ass closed for the last three months yet it has been re-aging this alleged debt. Which is a violation of my lawful rights as a federally protected consumer under title 15 of the US Constitution in the FCRA. This account was opened and furnished as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. 
Full name : XXXX XXXX address : XXXX XXXX XXXX, XXXX, MI XXXX SSN : XXXX date of birth:XXXX file number : 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 2025-05-11 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: MI

Complaint narrative:
This credit reporting agency has claimed to do a thorough and lawful investigation to verify and validate the accuracy of this account. After their investigation, they have reported this to be verified as accurate. But in the attached photos, you can see that this account is in direct violation of 15 USC 1681 accuracy of reporting. This account is indirect violation of 15 USC 1666B time of payment and this account is indirect violation of the Protection afforded to me by the FCRA as a federally protected consumer. Name : XXXXXXXX XXXX XXXX Account number XXXX Account status : closed. This account has been closed and sold to a debt collector. Yet this company is still reporting this balance as active. It should be updated to XXXX. This account has been reported ass closed for the last three months yet it has been re-aging this alleged debt. Which is a violation of my lawful rights as a federally protected consumer under title 15 of the US Constitution in the FCRA. This account was opened and furnished as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. 
Full name : XXXX XXXX address : XXXX XXXX XXXX, XXXX, MI XXXX SSN : XXXX date of birth:XXXX file number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
I ordered groceries on XX/XX/year> which was XXXX paid via XXXX ( which somehow resulted in a duplicate charge ) I never received my groceries so XXXX refunded my order.I gave details and documentation and i contacted XXXX, who informed me they they refunded my entire charge so there should have been no charge.CHIME keeps telling me that they refunded me but the duplicate charge was never refunded.The charge is still on my account and CHIME REFUSES TO HELP ME FIX THIS ISSUE AS MY MONEY IS BEEN GONE SINCE XXXX AND ITS XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information have been exposed due to a exposed from hacks on various companies and I asked expiran and TransUnion and equifax to remove accounts and inquiries but they still refuse to follow the law and send me responds

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 2025-05-11 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: Consumer Adjustment Company Incorporated
State: IN

Complaint narrative:
I received notification that a new delinquent account has appeared on my credit report. When I checked, it stated an account from Consumer Adj. and that it was opened in XXXX, 2024. I have not opened any account for over {$5000.00} in XXXX of 2024 or prior to that. I am a XXXX XXXX who does not make a lot of money. Therefore, I would not take on that huge amount of debt. This company is reporting inaccurate information on the wrong person and lying about the a date that I opened an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: KS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
There is a collection account from XXXX XXXX XXXX reporting a balance of {$1400.00} on my TransUnion credit report. ( ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX  ) I have no knowledge of this debt, and I was never notified, billed, or contracted by Mountain Land Collections. I have not received a valid explanation as to who they are collecting for, how they obtained my personal data, or what original creditor they claim to represent.

I am concerned that my information may have been shared or sold without my consent, in violation of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). Under FCRA 623 and 1681s-2 ( b ), furnishers are required to investigate and verify any disputed information and confirm that they are legally authorized to report and collect such debt.

I demand to know : Who authorized them to report this debt?

What original creditor validated this information?

Where is the contract with my signature?

How did they verify the debt, and under what authority are they collecting or furnishing it?

Under FDCPA 15 U.S.C. 1692g, any debt collector must provide validation of the debt upon request, including the name of the original creditor, the amount owed, and proof of assignment or authorization to collect. If they can not provide legal proof of the debt and their right to report it, the account must be removed immediately.

This practice is not only a violation of my consumer rights but also calls into question the legality of their data-furnishing relationship. If they are not authorized by contract to furnish this debt to TransUnion, they are violating FCRA and may be subject to regulatory penalties and civil liability.

I also formally request any original contract, wet-ink signature, or binding agreement authorizing this collection or its furnishing to credit bureaus. If this documentation can not be produced within 15 to 30 days, the account should be immediately removed. Continuing to report unverifiable or inaccurate information violates FCRA and may result in civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
under the FCRA 15 U.S.C. 1681. maintaining accurate and up to date information is required.

please remove and block these wrong names and addresses from my credit report immediately. 


TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Equifax 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 non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
under the FCRA 15 U.S.C. 1681. maintaining accurate and up to date information is required.

please remove and block these wrong names and addresses from my credit report immediately. 


TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Equifax 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 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To : Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Request for Documentation and Verification of Account Ownership Account Number Ending in : XXXX Dear Portfolio Recovery Associates, This letter concerns an account you are reporting under the name Portfolio Recovery Associates, associated with XXXX XXXX, and identified by account number ending in XXXX. 

I am requesting verification and supporting documentation regarding your legal authority to collect and furnish information about this account. Please provide the following : A complete and unbroken chain of assignment from the original creditor to your organization, including all intermediary assignments.

A copy of the bill ( s ) of sale, purchase or transfer agreements, and account-level data or schedules specifically listing my account.

The date the account was purchased or assigned, the date of last payment, and the date of first delinquency.

A copy of the original signed agreement or contract alleged to establish the debt.

A copy of the initial validation notice as required under 15 U.S.C. 1692g ( a ), including its delivery date.

Collection activity and consumer reporting should be suspended until full documentation is provided. If you can not verify ownership and authority to collect, I expect immediate cessation of reporting and collection efforts. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XX/XX/year> Please remove these unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters by mail on XX/XX/year> to XXXX XXXX and Experian. Its over 40 days and none of them have sent me the results of the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: FL

Complaint narrative:
I sent letters by mail on XX/XX/year> to XXXX XXXX and Experian. Its over 40 days and none of them have sent me the results of the investigation

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has incorrect login information and will not allow me to verify my identity in order to fix it. I've tried online and called, only to have my call rudely terminated by their AI. 
Details : The login requires me to receive a XXXX time passcode at a phone number that I no longer possess. 
Attempts to receive the code on my current phone, via the " try a different way '' only glitch back to the phone number I no longer have. 
Upon calling, all menu options result in Experian terminating the call via AI.

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 2025-05-11 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: CA

Complaint narrative:
There is a problem with XXXX  reporting my account 60 days late to equifax. The reporting for XXXX XXXX and XXXX  is also different. I have written emails and letters to company providing proof. they have ignored my requests. I attached what the credit report is showing. I have never been late on this account. I need for the reporting to be consistent OR remove the account history all together or Add a Comment saying the consumer disputes the reporting of the account. I have never been 60 days late on this account. The other credit agencies also show me as never being late 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: MRS BPO, LLC
State: TX

Complaint narrative:
I will like payment history from this company and I would like to see any signed contracts.I do not know what kind of company this is. I was exposed to the security brench. I have had a lot of calls and things popping up on the blackweb market. I will like this removed from my credit.The name of the company Mrs BPO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am submitting this complaint to formally report Jefferson Capital Systems , LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. during their attempts to collect an alleged debt from me. 


Jefferson Capital contacted me regarding a debt they claim I owe, but their actions during the collection process were unlawful and deceptive, and directly violated the following FDCPA provisions : 15 U.S.C. 1692g They failed to provide a written validation notice within five days of their initial communication, which denied me the opportunity to dispute the debt or request verification as required by law.

15 U.S.C. 1692b ( 2 ) Jefferson Capital disclosed information about the alleged debt to a third party, which is a violation of my privacy rights under the FDCPA.

15 U.S.C. 1692b ( 5 ) After being instructed not to contact third parties regarding me, they continued such communication, which is expressly prohibited by the statute. 

These actions have caused me unnecessary stress and confusion, and they reflect a serious disregard for federal consumer protection laws. 

What I Am Requesting : I am respectfully asking the CFPB to : Investigate Jefferson Capital Systems , LLC for these violations Hold them accountable for unlawful debt collection practices Ensure all communications cease immediately and that the alleged debt is properly validated or removed Help ensure my privacy and legal rights as a consumer are fully restored and protected I am willing to provide supporting documentation upon request, including records of communications and proof of their noncompliance. 

Thank you for your attention to this matter. I look forward to your support and enforcement of my federal rights. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: NV

Complaint narrative:
Improper use of my credit report score went down tremendously within five days and went from XXXX XXXX causing a denial on my credit

Company response to consumer: Closed with explanation