vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
I received notification from my credit reporting agency that my credit score when down XXXX points upon logging in a saw that a medical debt collection was added to my report I was never made aware of the debt to begin with not by the doctor office nor by the debt collection agency no calls, letters or emails from either party.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: AL

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

Company 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 2025-05-12 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 recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: MO

Complaint narrative:
I had a XXXX credit card issued by Continental Finance XXXX XXXX XXXX XXXX. My account was closed after I called customer service to complain about their delay in processing payments, which seems retaliatory. XXXX has always delayed withdrawing my payment for several days. Last month, XX/XX/XXXX, despite having sufficient funds in my account, they said the payments were returned and charged me {$30.00} returned payment feestwice. 

On XX/XX/XXXX of XXXX, I called to make a payment, to ensure that it went through. The customer service rep I talked to acknowledged something strange was going on with my account and personally sent me {$35.00} from her own account so that I could make my payment another way. I am attaching screenshots from my XXXX online bank account showing the transfer from that employee and the messages I sent them with the repayment. ( Her name has been redacted for privacy, because she is not the problem. She is the solution. She should be CEO. ) My paper billing statement says the minimum due is {$45.00} by XX/XX/XXXX, but the mobile app says {$90.00} due with no new activity. 

This seems intentionally misleading and predatory. I am requesting that this be investigated and that all unfair fees be refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX Account was added to my credit file without my consent on XX/XX/year>. I never received any notices nor have I ever did business with these people or the original creditor XXXX XXXX. I wish for the account to be deleted immediately. 

Account name : XXXX XXXX XXXX XXXX XXXX Amount : XXXX Original Creditor : 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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX Account was added to my credit file without my consent on XX/XX/year>. I never received any notices nor have I ever did business with these people or the original creditor XXXX XXXX. I wish for the account to be deleted immediately. 

Account name : XXXX XXXX XXXXXXXX XXXX XXXX Amount : XXXX Original Creditor : 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 2025-05-11 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: CA

Complaint narrative:
Here is the cease and desist letter to LVNV Funding LLC written out for you to copy and paste into the CFPB complaint or email : To : LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Date : XX/XX/scrub>, 2025 From : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Cease and Desist Unauthorized Reporting and Demand for Immediate Deletion To Whom It May Concern, This letter serves as a formal cease and desist demand regarding the unauthorized collection and reporting activity by LVNV Funding LLC related to the account numbered XXXX ( original creditor : XXXX XXXX XXXX  XXXX. ). 

I have never entered into any contractual agreement with your company, nor have I ever granted written consent for you to obtain or report my personal information. Therefore, you are in violation of the following laws : Fair Credit Reporting Act ( FCRA ) 1681b No permissible purpose to access or furnish my credit information.

FCRA 1681s-2 ( b ) Failure to maintain accurate and verifiable reporting standards.

Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ) Failure to provide full debt validation upon request.

FDCPA 805 and 808 Unlawful and deceptive collection practices.

Furthermore, your continued reporting of this account is materially misleading and unverifiable, with conflicting dates and no full chain of assignment disclosed.

I hereby demand the following : 1. Immediate deletion of this account from all credit bureaus.

2. A copy of the Forward Flow Agreement showing how and when this account was obtained. 
3. A full Chain of Assignment from XXXX XXXXXXXX XXXX to LVNV Funding LLC. 
4. A copy of the original contract bearing my signature. 

This is your final notice. If you do not comply within 10 business days, I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and initiating civil action for statutory damages under 15 U.S.C. 1681n for willful noncompliance. 

Sincerely, XXXX XXXX. XXXX Let me know if you want this tailored further or turned into complaint language for the CFPB portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had an issue with a merchant when attempting to make a purchase on their website due to a technical error that kept happening during the checkout process and due to the error it seemed as though the transactions were never processed however numerous charges ended up posting in my Chase account at various different times. Due to the different posting times for these charges I had to file a number of disputes because charges can not be disputed until they post to an account. It is the number of disputes that I had to file that I believe caused Chase to decide to close my account because there is nothing else related to my account that could possibly have contributed to the account closure but Chase would not provide me with an explanation so Im unsure exactly what led to the closure decision being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
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: MI

Complaint narrative:
This company is violating my rights, they have not provided validations information under 12cfr 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. 
i have made previous attempts to fix these issues directly with them and they are violating my rights and I'm entitled to {$1000.00} for every violation i listed, they either pay me or delete theses accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Bureau, Inc.
State: NC

Complaint narrative:
Account American Credit Bureau # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent me 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 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 2025-05-12 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: AR

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

Company 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 2025-05-12 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: NH

Complaint narrative:
I am filing a complaint against [ Experian XXXX Equifax XXXX TransUnion ] for violations of the Fair Credit Reporting Act ( FCRA ) related to the illegal reinsertion of a previously deleted identity theft account without proper notice, certification, or verification. 
The account in question is with XXXXXXXX XXXX ( Account ending in XXXX ). 
Summary of the problem : I previously submitted a dispute identifying the account as fraudulent and the result of identity theft. 
Following my identity theft dispute, the account was deleted from my credit file. 
Approximately [ 8 months ] later, the same XXXXXXXX XXXX account was reinserted into my credit report without notifying me within 5 business days, as required under FCRA 611 ( a ) ( 5 ) ( B ).

No proper verification or documentation was provided to justify reinsertion, as required under FCRA 611 ( a ) ( 7 ).

I formally requested disclosure of who verified the reinsertion, the method of verification, and copies of the evidence under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). To date, [ Experian / Equifax / TransUnion ] has failed to provide it.

This unlawful reinsertion has caused me financial and emotional distress, and it violates my rights under : FCRA 605B ( identity theft account block ), FCRA 611 ( a ) ( 5 ) ( B ) ( notice and certification required before reinsertion ), FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) ( disclosure of reinvestigation and evidence procedures ).

Requested relief : Immediate and permanent deletion of the XXXXXXXX XXXX account from my credit file. 
A full copy of the reinvestigation records, including : The name, address, and phone number of the furnisher that " verified '' the information ; A detailed description of the reinvestigation procedure used ; Copies of all documents relied upon during the reinvestigation. 
Ensure full compliance with all applicable sections of the Fair Credit Reporting Act. 
If [ Experian / Equifax XXXX TransUnion ] does not comply, I intend to pursue legal action for damages under FCRA 616 and 617 for willful and negligent violations.

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 2025-05-12 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: NH

Complaint narrative:
I am filing a complaint against [ Experian XXXX Equifax XXXX TransUnion ] for violations of the Fair Credit Reporting Act ( FCRA ) related to the illegal reinsertion of a previously deleted identity theft account without proper notice, certification, or verification. 
The account in question is with XXXXXXXX XXXX ( Account ending in XXXX ). 
Summary of the problem : I previously submitted a dispute identifying the account as fraudulent and the result of identity theft. 
Following my identity theft dispute, the account was deleted from my credit file. 
Approximately [ 8 months ] later, the same XXXXXXXX XXXX account was reinserted into my credit report without notifying me within 5 business days, as required under FCRA 611 ( a ) ( 5 ) ( B ).

No proper verification or documentation was provided to justify reinsertion, as required under FCRA 611 ( a ) ( 7 ).

I formally requested disclosure of who verified the reinsertion, the method of verification, and copies of the evidence under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). To date, [ Experian / Equifax / TransUnion ] has failed to provide it.

This unlawful reinsertion has caused me financial and emotional distress, and it violates my rights under : FCRA 605B ( identity theft account block ), FCRA 611 ( a ) ( 5 ) ( B ) ( notice and certification required before reinsertion ), FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) ( disclosure of reinvestigation and evidence procedures ).

Requested relief : Immediate and permanent deletion of the XXXXXXXX XXXX account from my credit file. 
A full copy of the reinvestigation records, including : The name, address, and phone number of the furnisher that " verified '' the information ; A detailed description of the reinvestigation procedure used ; Copies of all documents relied upon during the reinvestigation. 
Ensure full compliance with all applicable sections of the Fair Credit Reporting Act. 
If [ Experian / Equifax XXXX TransUnion ] does not comply, I intend to pursue legal action for damages under FCRA 616 and 617 for willful and negligent violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I am submitting this complaint regarding an alleged debt being pursued by COMMERCIAL ACCEPTANCE CO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for an alleged debt with XXXXXXXX XXXX XXXX XXXX I have formally disputed the debt and requested validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), but the company has failed to provide the required documentation. I'm disputing all alleged debts owed to either company listed above due to lack of proof of ownership proved by either company. 

Specifically, I requested the following documents, which have not been provided : Proof of ownership of the debt including copies of a driver 's license used when debt was acquired A signed contract between all parties listed above and the alleged debtor The name and contact information of the original medical provider An itemized bill listing all XXXX XXXX rendered ( with XXXX codes ) The date of service and amount charged Proof of my responsibility for the debt ( including any signed agreements or patient authorization ) A copy of the original billing statement Documentation showing the agency 's legal right to collect the debt ( including assignment from the original creditor and full chain of custody ) A record of any payments made by me, my insurance, or a third party Explanation of Benefits ( EOB ) or proof of insurance billing and denial The date the debt allegedly became delinquent ( to determine statute of limitations ) The agencys debt collection license number for my state Ask for the original creditor 's name and address, the original account number, the date of last payment, the total amount owed, and how it was calculated. 

If the debt was sold, request proof that the debt collector has the right to collect, such as a bill of sale or assignment. 

A XXXX authorization allowing access to my medical information If a settlement agreement was reached, request a copy of the agreement and any evidence that the settlement was finalized. 

The agency continues to contact me and has reported this account to the credit bureaus without marking it as disputed, which is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 3 ) ).

I respectfully request that the CFPB investigate this matter, require the agency to provide full documentation or remove the debt, and ensure all further collection efforts cease until the debt is validated.

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

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
To Whom It XXXX Concern : This is my 4th and last time writing you to update my personal information. According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating. 
As a consumer, my rights are being violated, and Im left wondering how Im supposed to defend myself when the same issue keeps happening over and over.

Company response to consumer: Closed with non-monetary relief