vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally supplement my ongoing complaint ( CFPB Complaint ID : XXXX ) regarding an unvalidated and inaccurately reported collection account that continues to appear on my credit reports maintained by XXXX, Experian, and XXXX. 

Subject of Dispute : Collection Agency : Collection Bureau of America Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$360.00} Date Assigned : XX/XX/XXXX Despite initiating a dispute and filing a CFPB complaint on XX/XX/XXXX, the only response provided by the collection agency was that the matter was forwarded to the original creditor. No documentation, validation, or proof of this debt has been provided to me to date, nor was any such information sent within the 30-day reinvestigation period required by law.

Violations and Legal Grounds : FCRA 1681i ( a ) A consumer reporting agency must delete disputed information if it can not be verified within 30 days.

FDCPA 809 ( 15 U.S.C. 1692g ) The debt collector failed to send me a written notice of the debt within five days of initial communication and did not validate the debt upon my request.

FCRA 1681e ( b ) Credit bureaus are required to maintain maximum possible accuracy. Reporting unverifiable and inaccurate debt is a violation of this statute.

Case Law : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Reinforces that credit bureaus must conduct a reasonable, independent investigation and can not solely rely on the furnishers information.

Given that no evidence or validation has been presented by the collection agency or original creditor and more than 30 days have passed since the initiation of my formal dispute, I respectfully request that the CFPB direct XXXX, Experian, and XXXX  to immediately remove this account from my credit file under FCRA 1681i ( a ).

I also request that the CFPB hold the furnishers and the credit reporting agencies accountable for non-compliance with federal law and issue appropriate oversight or enforcement action if necessary.

Thank you for your continued support in protecting my consumer 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 2025-06-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally supplement my ongoing complaint ( CFPB Complaint ID : XXXX ) regarding an unvalidated and inaccurately reported collection account that continues to appear on my credit reports maintained by XXXX XXXX, and TransUnion. 

Subject of Dispute : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$360.00} Date Assigned : XX/XX/XXXX Despite initiating a dispute and filing a CFPB complaint on XX/XX/XXXX, the only response provided by the collection agency was that the matter was forwarded to the original creditor. No documentation, validation, or proof of this debt has been provided to me to date, nor was any such information sent within the 30-day reinvestigation period required by law.

Violations and Legal Grounds : FCRA 1681i ( a ) A consumer reporting agency must delete disputed information if it can not be verified within 30 days.

FDCPA 809 ( 15 U.S.C. 1692g ) The debt collector failed to send me a written notice of the debt within five days of initial communication and did not validate the debt upon my request.

FCRA 1681e ( b ) Credit bureaus are required to maintain maximum possible accuracy. Reporting unverifiable and inaccurate debt is a violation of this statute.

Case Law : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Reinforces that credit bureaus must conduct a reasonable, independent investigation and can not solely rely on the furnishers information.

Given that no evidence or validation has been presented by the collection agency or original creditor and more than 30 days have passed since the initiation of my formal dispute, I respectfully request that the CFPB direct XXXX XXXX, and TransUnion to immediately remove this account from my credit file under FCRA 1681i ( a ).

I also request that the CFPB hold the furnishers and the credit reporting agencies accountable for non-compliance with federal law and issue appropriate oversight or enforcement action if necessary.

Thank you for your continued support in protecting my consumer 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 non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Subject : Request for Investigation and Deletion XXXX XXXX  Charge-OffAccount Holder : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : UnknownDispute Type : Inaccurate Charge-Off Amount / Request for Deletion Dear [ XXXX  / Equifax / XXXX  ] , I am writing to formally dispute and request deletion of a charge-off account listed on my credit report from XXXX XXXX XXXX XXXX. 
The account is reporting a charge-off status with an incorrect amount, and I believe this information to be inaccurate, incomplete, and potentially unverifiable. I do not have the account number, but it is listed under my name : XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. 
This negative reporting is causing me significant harm, and under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute this account and request that it be fully investigated. If XXXX XXXX can not verify the original amount and status with 100 % accuracy, I am requesting that this account be deleted entirely from my credit report.

Please confirm in writing that : * An investigation has been initiated, and * If the account can not be verified, it will be removed.

I have included a copy of my ID and proof of address to assist you in locating the account.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: NJ

Complaint narrative:
Subject : Request for Investigation and Deletion XXXX XXXX  Charge-OffAccount Holder : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX UnknownDispute Type : Inaccurate Charge-Off Amount / Request for Deletion Dear [ XXXX XXXX XXXX  / TransUnion ] , I am writing to formally dispute and request deletion of a charge-off account listed on my credit report from XXXX XXXX XXXX XXXX. 
The account is reporting a charge-off status with an incorrect amount, and I believe this information to be inaccurate, incomplete, and potentially unverifiable. I do not have the account number, but it is listed under my name : XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. 
This negative reporting is causing me significant harm, and under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute this account and request that it be fully investigated. If XXXX XXXX can not verify the original amount and status with 100 % accuracy, I am requesting that this account be deleted entirely from my credit report.

Please confirm in writing that : * An investigation has been initiated, and * If the account can not be verified, it will be removed.

I have included a copy of my ID and proof of address to assist you in locating the account.

Thank you for your prompt attention to this matter. 
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 2025-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
No proper debt validation was received in violation of CFR part 1006.34 ( a ) - ( e )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
Hey My Name is XXXX XXXX, and i am formally disputing The incccurate information Listed On My Credit Report. In Accordance With 15 U.S.C $ 1681b And 15 U.S.C. $ 1681c, i Did not Authorize the reporting or realese of my Personal Information to the companies listed below.

This is a Violation of my Consumer Rights to privacy, as they have no legal basis to report anything Under my name. Furthermore, There are Unauthorized inquiries on my credit Report that I did not initiate, Which Constitutes a case of Identity theft. Pursuant To 18 U.S.C. {$8.00}, I do Not owe any debt to these entities, and i demand the immediate deletion of the item and Inquiries in Question to correct my Credit Report. 




Please Address this matter promptly and confirm the removal of the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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:
Ive come across some unfamiliar accounts on my credit report that I never authorized, which suggests possible identity theft. Ive previously addressed this issue with you, and Im now requesting that these accounts be removed from my report immediately. Their presence has caused considerable stress, as they do not represent my actual credit activity or financial behavior. This situation has been difficult, and if it's not resolved, Im ready to pursue legal action to protect my rights. These inaccurate entries have seriously hindered my financial progress, especially when it comes to purchasing a home and providing for my family. I hope for a prompt resolution.

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 2025-06-29 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A large group of people are bullying me at every turn.

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 2025-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I submitted a XXXX XXXX to Repayment application due to fraud by XXXX XXXX XXXX XXXXfalse job placement claims, fake accreditation, deceptive marketingbut Nelnet failed to reflect this on my account. I also submitted all required documents for the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), but no payments were applied. Ive contacted Nelnet, XXXX, and my XXXX XXXX XXXX multiple times from XX/XX/XXXX to XX/XX/XXXX with no resolution or accounting of my loan status. I formally requested full reconciliation, a record of credits applied, and a legal explanation under 12 CFR 1024.36, 34 CFR 685.206 ( e ), 20 U.S.C. 1087e, 15 U.S.C. 1681, and 50 U.S.C. 3937 ( SCRA ). I also assert protections under FDCPA 1692e and GLBA 6801. I demand full loan discharge, retroactive XXXX credit, and compensation for XXXX caused by continued noncompliance and data mismanagement. 

Contacts : Nelnet Servicing Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX Website : www.nelnet.com Email : XXXX Federal Student Aid ( FSA ) Address : FSA Ombudsman XXXX, XXXX. XXXX XXXX, XXXX, KY XXXX Phone : XXXX Website : www.studentaid.gov XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Website : XXXX Local contact : your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This inaction is delaying federal benefits and damaging my credit. I request full review, legal compliance, written explanation, reimbursement of any payments made in error, and compensation for XXXX under 15 U.S.C. 1681n, 1681o, and 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$930.00} XXXX XXXX  XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$53.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$510.00} XXXX XXXXXXXX XXXX - XX/XX/XXXX - {$11000.00} XXXX - XX/XX/XXXX XXXX {$1100.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4000.00} XXXX XXXX  - XX/XX/XXXX XXXX {$29000.00} XXXX  - XX/XX/XXXX XXXX {$1000.00} Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I only had a {$300.00} credit limit for XXXX XXXX. The account was closed with a balance of {$370.00}. XXXX XXXX sold the debt to a third-party collector who is attempting to collect {$700.00}. Ive disputed this transaction over and over. I do not owe XXXX XXXX  {$700.00} nor do I owe any entity named RESURGENT/LVNV FUNDING, {$700.00}. I am only responsible for {$370.00} to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally supplement my ongoing complaint ( CFPB Complaint ID : XXXX ) regarding an unvalidated and inaccurately reported collection account that continues to appear on my credit reports maintained by Equifax, XXXX, and XXXX. 

Subject of Dispute : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$360.00} Date Assigned : XX/XX/XXXX Despite initiating a dispute and filing a CFPB complaint on XX/XX/XXXX, the only response provided by the collection agency was that the matter was forwarded to the original creditor. No documentation, validation, or proof of this debt has been provided to me to date, nor was any such information sent within the 30-day reinvestigation period required by law.

Violations and Legal Grounds : FCRA 1681i ( a ) A consumer reporting agency must delete disputed information if it can not be verified within 30 days.

FDCPA 809 ( 15 U.S.C. 1692g ) The debt collector failed to send me a written notice of the debt within five days of initial communication and did not validate the debt upon my request.

FCRA 1681e ( b ) Credit bureaus are required to maintain maximum possible accuracy. Reporting unverifiable and inaccurate debt is a violation of this statute.

Case Law : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Reinforces that credit bureaus must conduct a reasonable, independent investigation and can not solely rely on the furnishers information.

Given that no evidence or validation has been presented by the collection agency or original creditor and more than 30 days have passed since the initiation of my formal dispute, I respectfully request that the CFPB direct Equifax, XXXX, and XXXX  to immediately remove this account from my credit file under FCRA 1681i ( a ).

I also request that the CFPB hold the furnishers and the credit reporting agencies accountable for non-compliance with federal law and issue appropriate oversight or enforcement action if necessary.

Thank you for your continued support in protecting my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
I just received a letter in the mail on XX/XX/XXXX saying they are a lawfirm trying to collect a debt but not what debt just XXXX XXXX. They kept calling numerous times from numerous numbers which I didn't realize until I got the letter today. They kept calling and leaving voice messages. If I blocked the number they called from another one. I do not claim this debt and notified them through the form on their page and email. Asking them to send any original documents IF they have any with my signature on them. They keep harassing me. Apparently I am not the only one to complain about this law firm 's practice. There are tons of reviews all over the internet that they harass people through phone calls and then falsely claim they didn't make payments when they did on their website. They don't offer any way to pay and then falsely file judgments.

Company response to consumer: Closed with explanation