vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/year> Account Information : Creditor Name : LVNV FUNDING LLC Account Number : XXXX Amount : {$1800.00} Subject : Request for Debt Validation under FDCPA Dear I am writing in response to a notice I received from your office regarding an alleged debt. This letter is not a refusal to pay, but a request that you provide full validation and verification of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A copy of the original contract or agreement bearing my signature or any agreement that you believe makes me liable for this debt ; 4. A complete payment history showing how the alleged amount was calculated ; 5. Verification that you are legally authorized to collect on this debt in the XXXXXXXX XXXX XXXX XXXX  ; 6. The name and address of the current creditor if different from the original ; 7. A copy of your license to collect debts in XXXX XXXX 

Under the FDCPA, you are required to cease collection activity until you provide proper validation of this debt. Reporting this debt to the credit bureaus without validating it may be a violation of federal law. 

Please note that I am requesting this debt be removed from my credit report until proper validation is completed. This request is being made pursuant to my rights under the FDCPA, and any failure to respond accordingly will be documented and reported to the appropriate authorities. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: CA

Complaint narrative:
I want to make it absolutely clear that this complaint is not an error. My credit report contains inaccuracies that clearly fail to meet the standard of maximum possible accuracy, as required by law. These ongoing errors are having a serious negative impact on my lifeboth emotionally and financially. During these already difficult times, the continued presence of these inaccuracies is unacceptable. I am urgently requesting that these errors be corrected or removed without further delay. Doing so would not only be a significant relief, but also a necessary step toward restoring fairness and accuracy to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-31 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NV

Complaint narrative:
I am writing in response to a [ XXXXXXXX XXXX  ] received from your office regarding an alleged debt you claim I owe. Account # XXXX and account # XXXX. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 
Please note that I am not acknowledging or accepting any liability for this debt. I am requesting that you provide the following documentation to validate the debt you claim : The name and address of the original creditor A full itemization of the alleged debt, including interest, fees, payments, and principal balance A copy of the original signed contract or promissory note bearing my signature Proof that you are legally authorized to collect this debt in my state Proof of the chain of assignment or ownership if the debt was purchased or transferred Until you provide all of the above, you must cease all collection activity, including reporting to credit bureaus. Reporting unverified debt violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Be advised : failure to properly validate this debt or continued reporting/collection activity may result in legal action and a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and my state attorney general. 
Please respond within 30 days of receipt of this letter.

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 2025-05-31 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am disputing the following hard inquiry ( ies ) as unauthorized. I did not apply for credit or authorize this company to access my credit file : 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 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act XXXX FCRA ), hard inquiries require my explicit consent. I respectfully request that these inquiries be investigated and removed if they are found to be unauthorized. Thank you for your time and attention.

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 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: OH

Complaint narrative:
I am disputing a debt that McCarthy, Burgess & Wolff , Inc. is attempting to collect on behalf of XXXX. The amount is over {$500.00} and is primarily for unreturned internet equipment. However, I never received clear instructions or return packaging from XXXX, and the equipment was lost during a move. I was not contacted again about it until this collection showed up on my credit report. 

In addition, the internet service from XXXX was consistently poor with extremely slow speeds and repeated outages. I canceled the service due to the lack of quality and reliability. I submitted a dispute through the credit bureaus and requested validation of the debt, including proof of equipment responsibility or any signed agreement. No documents were provided, and the item was simply verified.

Under the Fair Credit Reporting Act ( FCRA ), I believe this debt is not accurate or fully verifiable and should be removed. Im asking for this account to be deleted and for this matter to be reviewed thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NJ

Complaint narrative:
Please review this complaint thoroughly, as it was submitted with full intent. My credit report appears to contain mixed or inaccurate information, including accounts, transactions, and items that do not belong to me. This is a serious issue that is causing significant stress, anxiety, and concern over the integrity of my personal and financial identity. Immediate action is required to investigate and correct these errors.

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 2025-05-31 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-31 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: Arivo Acceptance, LLC
State: GA

Complaint narrative:
The inquiry was not authorized Date of inquiry : XX/XX/year> Please remove it from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my credit report. It is my understanding that you will verify these items with the relevant creditor. Should the creditor fail to provide verification, I kindly ask that you delete any unverifiable information..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
I want to emphasize that this complaint is not made in error. My credit report contains inaccuracies that fall short of the standard of maximum possible accuracy. These errors have had a significant negative impact on my life, affecting me in ways that are difficult to fully express. During these challenging times, having these inaccuracies corrected or removed would be not only a great help, but truly a blessing.

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 2025-05-31 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: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I disputed inaccurate reporting on my Indigo Mastercard account ( ending in XXXX ) using XXXX XXXX compliance. Despite multiple formal dispute attempts, the company failed to verify or validate the data. 

Their response to my previous CFPB complaint ( ID : XXXX ) was nearly identical to responses sent for unrelated accounts. No reinvestigation was performed, no evidence was provided, and the account remains on my credit report in violation of FCRA Sections 611 and 623. I am requesting permanent deletion based on failure to comply with federal law and data reporting accuracy standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NJ

Complaint narrative:
TransUnion inaccurately reports a XXXX XXXX XXXXXXXX account as charge-off despite being fully paid on XX/XX/scrub>XXXX  They show 15+ consecutive false " C/O '' marks and contradictory remarks. Previous disputes were ignored.

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 2025-05-31 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: WI

Complaint narrative:
I paid this account in full on XXXX I was told that in return for paying, XXXX would mark the collection as paid and request it be removed from my report. I see now they are reporting a payment was made but it still shows a balance due and they haven't removed it from my report.

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 2025-05-31 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:
Recently I looked at my credit file and found information that can't be verified and information 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. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX collection account of {$490.00} is not my account and should be deleted, date opened XXXX XXXX account XXXX. I have no knowledge of this account and it has not been verified. 


XXXX XXXX XXXX account XXXX XXXX {$220.00} Date opened XXXX XXXX I have no knowledge of this account and it has not been verified. This account should be deleted. 

XXXX XXXX XXXX XXXX $ {$8600.00} Date opened : XXXX XXXX I am not the account holder. This account should be deleted. 

XXXX XXXX  XXXX XXXX : {$35.00} Date opened : XXXX XXXX I am not the account holder. This account should be deleted. 


I reached out to the company on several occasions and neither of these account have been properly investigated. No verification of any of my signatures or consent has been verified.

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 2025-05-31 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: CA

Complaint narrative:
I want to make it absolutely clear that this complaint is not an error. My credit report contains inaccuracies that clearly fail to meet the standard of maximum possible accuracy, as required by law. These ongoing errors are having a serious negative impact on my lifeboth emotionally and financially. During these already difficult times, the continued presence of these inaccuracies is unacceptable. I am urgently requesting that these errors be corrected or removed without further delay. Doing so would not only be a significant relief, but also a necessary step toward restoring fairness and accuracy to my credit profile.

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 2025-05-31 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: SC

Complaint narrative:
RE : Request for Reinvestigation and Method of Verification CFPB Complaint XXXX XXXXXXXX XXXX XXXX XXXX To EQUIFAX, I am writing in response to your communication dated XX/XX/year>, regarding CFPB Complaint XXXX XXXXXXXX, in which I disputed the accuracy of the account reported by XXXX XXXX XXXX. 

Your correspondence states that you have completed an investigation and verified the accuracy of the information. However, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am formally requesting the following : 1. Reinvestigation of the Disputed Account Under 15 U.S.C. 1681i ( a ) ( 1 ), I am entitled to request a reinvestigation of information I believe is incomplete or inaccurate. I dispute the accuracy and validity of the XXXX XXXX XXXX account and request a full reinvestigation of this item. 

2. Method of Verification Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a detailed description of the method used to verify the disputed information, including but not limited to : The name, address, and telephone number of the data furnisher.

A copy of all documents INCLUDING assignments, all payment records/credits, or electronic evidence used in the verification process. 

A description of the specific procedures followed to verify the accuracy of the XXXX XXXX XXXX account. 

Please be advised that I expect to receive this information within 15 calendar days of your receipt of this letter, as required by applicable federal law and industry best practices. Failure to respond within this timeframe may result in further action, including additional complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal remedies. 

3. Deletion if Verification Fails As required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the disputed information can not be verified, it must be promptly deleted from my credit report.

This is a formal request under the FCRA. I expect a complete response by [ Insert a date 15 days from today 's date ]. If I do not receive a satisfactory response by that deadline, I will proceed with all available remedies under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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 DATA BREACH. 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 

XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$1400.00}

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 explanation