vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter from SST a company who acquired my XXXX XXXX XXXX from XXXX. On XX/XX/XXXX I made a payment to XXXX {$120.00} On XX/XX/XXXX I made the payment XX/XX/XXXX and XX/XX/XXXX payment for XX/XX/XXXX That payment was to cover the Payment for XXXX ( which due date was XX/XX/XXXX ) proof attached I then made my first Payments on XX/XX/XXXX for {$120.00} & {$130.00}. Which should had applied for those that were due on XX/XX/XXXX & XX/XX/XXXX On XX/XX/XXXX a payment was made for XX/XX/XXXX due date for {$120.00} XX/XX/XXXX for {$120.00} for due date XX/XX/XXXX XX/XX/XXXX for {$120.00} for due date XX/XX/XXXX XX/XX/XXXX for {$150.00} for due date XX/XX/XXXX XX/XX/XXXX for {$120.00} for due date XX/XX/XXXX XX/XX/XXXX for {$120.00} for due date XX/XX/XXXX On XX/XX/XXXX I contacted SST because they placed a 30 day late on my credit when I have all the payments on their file and also the XXXX payment. I was charged a due date that was prior to their acquisition of the loan and consequently made all future payments late after that event, which I noticed during my XX/XX/XXXX payment -! : Credite report notification. 


I requested to speak to a supervisor who refused, I requested they look over the payment as was told they collected a paid a debt of XXXX with my XX/XX/XXXX payment. I sent proof via email XXXX On XX/XX/XXXX and the response was my XX/XX/XXXX statement without any explanation. 

On the XXXX I made a payment over the phone and one online for XXXX which gave me a credit and pushed my due date to XX/XX/XXXX ( 2 transactions of {$250.00} & {$120.00} ) At that time I had a credit for approx {$11.00}. 

I am a XXXX Veteran and received my pay on the 1st of the month and thus pay ahead. I placed my account on auto pay and asked to have my account reviewed. 

The agent pointed that these issues occurred early in the acquisition of the XXXX loans but didnt not offer relief even while accepting the issue was visible. 

I wish to have my credit late removed and my first payment credited and the due date moved to XX/XX/XXXX as they can not request a Payment for a date before I was notified. The letter had no payment date and there was no statement for those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 submitting this complaint regarding inaccurate reporting of my XXXX  XXXX accounts on my credit report. Both accounts are being reported in a manner that does not accurately reflect my payment history or the true status of these accounts. 
The balances listed may not reflect my payments or the current status of the accounts. 
The reporting is incomplete, misleading, and lacks proper verification. 
These inaccuracies misrepresent my creditworthiness and unfairly influence lending decisions. 
These actions appear to violate the following provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA XXXX ( b ), XXXX U.S.C. XXXX ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
FCRA XXXX, XXXX U.S.C. XXXX : Grants the right to dispute inaccurate or incomplete information, requiring a full reinvestigation within XXXX  days. 
FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX ( a ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting of my XXXX  XXXX accounts on my credit report. Both accounts are being reported in a manner that does not accurately reflect my payment history or the true status of these accounts. 
The balances listed may not reflect my payments or the current status of the accounts. 
The reporting is incomplete, misleading, and lacks proper verification. 
These inaccuracies misrepresent my creditworthiness and unfairly influence lending decisions. 
These actions appear to violate the following provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA XXXX ( b ), XXXX U.S.C. XXXX ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
FCRA XXXX, XXXX U.S.C. XXXX : Grants the right to dispute inaccurate or incomplete information, requiring a full reinvestigation within XXXX  days. 
FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX ( a ) : Prohibits furnishers from reporting information they know or should know 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 explanation
Consumer complaint received 2025-10-01 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: Experian Information Solutions 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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
SCOTT & ASSOCIATES has willfully and blatantly violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by attempting to collect on an alleged debt that is both disputed, unverified, and potentially fraudulent. Despite my formal written demand dated XX/XX/year>, SCOTT & ASSOCIATES continues to pursue collection activity without providing the legally required verification. 
This agency has failed to produce proof of ownership, assignment, or legal standing to collect this alleged debt. They have not provided any contracts bearing my signature, nor any itemized breakdown of principal, interest, or fees. I also raised legitimate concerns that the alleged debt may have already been extinguished through insurance payouts, government relief, securitization, or tax write-offsall of which SCOTT & ASSOCIATES has completely ignored. Attempting to collect on a discharged or already compensated debt is an unlawful act of double recovery. By disregarding federal law and continuing collection activity without validation, SCOTT & ASSOCIATES XXXX XXXX is engaging in fraudulent, deceptive, and abusive practices. Their conduct also places them in violation of 15 U.S.C. 1692g, 15 U.S.C. 1692c ( c ), and 15 U.S.C. 1681s-2, while exposing me to unwarranted harm, harassment, and potential credit reporting damage. This company is knowingly violating consumer protection laws, attempting to intimidate and mislead me into paying on a debt they can not legally prove. Such reckless disregard for consumer rights demonstrates a pattern of abuse that demands immediate regulatory intervention. SCOTT & ASSOCIATES XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
On XX/XX/year>, XXXX XXXX, whom works for XXXX XXXX XXXX XXXX XXXX XXXX got my mother in law to call me through her phone and harassed me telling me he was gon na press charges as well as telling me he was gon na make sure he was gon na retrieve the vehicle with all my tools in it and sell it at auction if I didn't take the truck to him. He also threatened to XXXX up to my job to smatch the truck. This is a peace of treaty breach and I will be finding a lawyer to address this. Not to mention probably not a good idea to hire someone with a towing company who has impersonated a XXXX XXXXXXXX before so they're obviously gon na go on a power trip and threaten people especially because the time he did he threatened a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is very disturbing and when I found out who he was after I searched his wife 's name cause he used her phone to call me I was freaked out and definitely wasn't gon na bring the truck to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
FAILURE TO INVESTIGATE ON AN ISSUE WITH MY PERSONAL INFORMATION BEING LEAKED IN THE DATA BREACH AND ACCOUNTS WERE OPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Even though the account is settled and paid, it continues to reflect late remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/year>, I received a text message from someone claiming to be from my bank, PNC. It started off with a confirmation if a XXXX payment was made by me and to respond yes or no to which I said no and someone from their fraud prevention department got ahold of me. They claimed my account had been accessed in a different state and that funds were due to be taken out that afternoon. I was directed to go to my nearest bank and withdrawal a portion of my savings before it was scheduled to be taken out and then proceed to take it to a nearby XXXX bank to deposit it into an account given to me by phone to add through the atm. The first amount taken out was XXXX. The next amount was XXXX. The process was repeated at another pnc location and XXXX bank close by to it. Then there was a withdrawal at the XXXX atm using my pnc debit card in the amount of XXXX to which that was also put into the XXXX  account. Upon completion I had asked for more information on the issue to which they said they would reach out to me the following day. I proceeded to try and reach out again later that afternoon to PNC but all 3 representatives I spoke to were incompetent and just told me to wait. I kept an eye out for my account and started seeing money getting moved out that I had never shifted around to which I froze my accounts and waited for the next day to go and talk to a bank representative in person. I explained everything to them on the next day on XX/XX/year> and was lead to believe the person who helped me was actually doing everything they right way but as it turns out they didnt even push up my issue to the proper channel to which I found out about days later after another conversation with a customer service rep. To make matters even worse I got a phone call from my bank with the worker rudely saying theres nothing that can be done for me. About two days later on XX/XX/year>. The XXXX was reverted back to my account but the other amount I have not heard anything about. I had asked for a official statement on paper that theres nothing that can be done about my funds but they keep saying they can not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : XXXX. The name and address of the original creditor. XXXX. A detailed statement of the alleged debt, including the amount and how it was calculated. XXXX. A copy of the original signed debt collection agreement or contract. XXXX. Proof that you are legally authorized to collect this debt. XXXX. A full accounting of payments, interest, fees, and charges applied to the alleged balance. XXXX. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : XXXX. The name and address of the original creditor XXXX. The amount of the alleged debt, including a breakdown of all fees and interest XXXX. A copy of the original agreement or contract bearing my signature look the same on my Id XXXX. Proof that you are authorized to collect this debt XXXX. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. 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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-10-01 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/year> Equifax Experian TransUnion RE : Dispute of Inaccurate Personal Information and Unauthorized Inquiry To Whom It May Concern : I am writing to dispute several items on my credit report that are inaccurate, incomplete, and unverifiable, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The following information is incorrect and is causing harm to my credit profile. 
XXXX. Multiple Names : My credit report shows multiple variations of my name, including [ List all names on the report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. My legal name, as shown on the enclosed government-issued identification, is [ XXXX XXXX XXXX XXXX XXXX I request that you correct this immediately to reflect only my legal name. The presence of multiple names is inaccurate and misleading. 
XXXX. Inaccurate Addresses : My report lists several addresses, including [ List all addresses on the report, e.g., XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ]. The only address where I currently reside and can receive mail is [ XXXX XXXX XXXX XXXX, SC XXXX ]. The other addresses are non-mailable and are not current. I request that you remove all previous and non-mailable addresses from my report to ensure accuracy. I have enclosed a copy of my government-issued ID to verify my current and correct address. 
XXXX. Unauthorized Inquiry : I am also disputing an unauthorized hard inquiry from [ XXXX XXXX ] dated [ XX/XX/year> ]. I did not authorize this inquiry, and it is in violation of my rights. I demand that this inquiry be immediately removed from my credit file. 
I have enclosed copies of the following documents to verify my identity and support my dispute : Copy of my Driver 's License/State ID Under the FCRA, you are required to investigate these items within 30 days and provide me with the results. If you can not verify the accuracy of the disputed information, you must remove it. The presence of inaccurate personal information and an unauthorized inquiry is a violation of my rights and is harming my ability to obtain credit. 
I expect a corrected credit report to be sent to my current address within the legally mandated timeframe. 
Thank 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 non-monetary relief
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I am a victim of XXXX XXXX  of Debt XXXX  and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX XXXX FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$3200.00} - Balance - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - {$220.00} - Balance - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-10-01 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:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( XXXX  ), Kirtz ( XXXX ), and Norman v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - XXXX XXXX XXXX XXXX XXXXXXXX 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