vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Around the Fall of 2024 LVNV amped up their egregious collection activities to credit card companies they say I owe. The have repeatedly called me, scrambled numbers with every call, and they called my XXXX, almost XXXX XXXX XXXX twice to scare her into telling me that I need to call the number provided to her or very serious things were going to happen to me. We've had to ask them under consumer protection law to cease and desist on these calls. In addition, I've disputed this debt several times through them directly and through the credit bureaus. They have never responded with all of the information asked, just statements sent in the mail from the credit card companies, enough to get the credit bureaus to say the debt was verified but not enough to satisfy the laws under the FCRA or certainly the FDCPA. In addition, LVNV hired additional collection agencies to go after me simultaneously for the same debt they say I owe. This is a direct violation of the FDCPA going after a consumer simultaneously by multiple partners without clarity to ownership and authority to collect. This also violates the FDCPA act by practicing misleading or deceptive practices in an attempt to collect a debt. To increase further potential harm to my name and character, LVNV sued me in local magisterial court to collect on a debt and seek a civil judgement asked me to further impune and damage my character. At current, I'm no longer eligible to obtain any credit under credit guidelines let alone try to obtain a competitive interest rate. Furthermore, all this could potentially affect my employment especially after in 2024 my former position was eliminated and I was on unemployment for over 5 months last year and have not been able to recover from that. I have no assets, all liabilities including depletion of any savings or retirement and they ( XXXX XXXX XXXX ) are trying to seek judgement or garnishment to further impune my character. I'm asking for immediate relief from this egregious collection behavior and violation of my rights under the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I paid my car bill for this month already. two days later i got charged for another car bill for this month basically " paying in advance '' but i never authorized this and i dont have auto pay on my car bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
Date : XX/XX/2025 To : Rent Recovery Solutions XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Subject : Final Notice Demand for Immediate Deletion Due to False Accord and Satisfaction Charge, FDCPA & FCRA Violations To Whom It May Concern : This letter serves as a final notice regarding the alleged debt related to my former residence at XXXX XXXX XXXX, which your agency is currently reporting to consumer credit bureaus. 

On XX/XX/2025, I submitted a formal dispute and validation request. In response, you were provided a move-out statement that fails to meet the requirements of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). In particular, your documentation contains a charge labeled : Accord and Satisfaction This charge is legally invalid, deceptive, and grounds for immediate account deletion and enforcement action. Let me be very clear : Accord and satisfaction is a legal term defined in contract law as a mutual agreement to settle a disputed obligation with new terms. It must meet the following legal criteria : XXXX. A bona fide dispute about the original debt XXXX. An offer and acceptance of new terms or settlement XXXX. A signed agreement or documented intent to settle XXXX. Performance of the agreed-upon settlement I have never signed, accepted, or agreed to any such resolution. Therefore : No accord ever existed No satisfaction occurred No legal or contractual basis exists to charge me for this term By fabricating this as a line-item financial charge, you are : Falsely representing the legal status of a debt Misleading me and credit bureaus with fabricated settlement language Attempting to collect a non-existent and unauthorized fee - Violations Committed by Rent Recovery Solutions : FDCPA Violations : XXXX ( XXXX ) ( A ) : False representation of the character or legal status of a debt XXXX ( XXXX ) : Use of deceptive means to collect a debt XXXX ( XXXX ) : Collection of any amount not expressly authorized by the agreement or permitted by law FCRA Violations ( as a furnisher of information ) : XXXX ( b ) ( XXXX ) ( A ) - ( D ) : Failure to conduct a reasonable investigation after receiving my dispute XXXX ( a ) ( XXXX ) ( A ) : Knowingly reporting inaccurate or unverifiable information XXXX ( a ) ( XXXX ) : Continuing to report disputed information without proper notice You previously responded by offering to send documentation if requested again by mail. I already submitted my written dispute on XX/XX/2025. That stall tactic is non-compliant under FDCPA XXXX ( b ). 

Additionally, while you addressed charges like carpet replacement, you entirely ignored the accord and satisfaction chargesuggesting it was either : A fabricated entry you could not defend Or an unlawful attempt to apply legal pressure Either scenario represents gross negligence or deliberate misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
b"Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e(b) and 15 use 1681i(5) this data on my credit is a clear violation of not reporting 100% accurate.\n\nThe following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap!    \n\nUNATHORIZED INQUIRIES:\n\nXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also 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 Any other adverse item 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, Equifax, and TransUnion credit bureaus remove all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be removed from my credit report below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, Equifax, and TransUnion credit bureaus remove all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be removed from my credit report below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This morning, I found an unauthorized inquiry on my credit report, and Im extremely frustrated because I have no idea how it got there. I always check my report regularly, but this time something was clearly wrong. I even refreshed my browser thinking it might be a glitch, but the inquiry stayed. I need this issue looked into immediately, and I want the documents I submitted to be thoroughly reviewed so I can stop stressing about this.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute the accuracy of several items listed on my credit report. After reviewing my credit file, I have identified multiple entries that I believe to be either inaccurate, outdated, or misrepresented. I request a formal investigation and immediate correction or removal of the following accounts from my credit profile : XXXX. XXXX XXXX XXXX {$580.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX {$990.00} Disputing the balance and validity of this account. 
XXXX. XXXX  XXXX {$1300.00} Account details are inaccurate and need review. 
XXXX. XXXX {$1400.00} This account was written off. Please reflect the correct status. 
XXXX. XXXX XXXX {$1500.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX {$2700.00} Balance and account status are inaccurate. 
XXXX. XXXX XXXX XXXX {$2900.00} I do not recognize this account.Please verify. 
XXXX. XXXX  {$3500.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX XXXX XXXX {$3800.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX XXXX {$4300.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX XXXX {$6500.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX XXXX {$6500.00} I do not recognize this account. Requesting full verification. 
XXXX. XXXX {$7500.00} Disputing the balance reported and seeking documentation. 

Please investigate these items under the Fair Credit Reporting Act ( FCRA ) and provide written verification of each item. If the items can not be verified, I request they be deleted from my report. Please send me written confirmation of the outcome of your investigation. 

Thank you for your time and cooperation. 

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also 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 Any other adverse item 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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