vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I called LVNV FUNDING LLC to ask to close the account due to them legally having no right to keep reporting on my credit & they refused. 
According to 15 USC 1681 b ( 2 ) your negative accounts are 100 % inaccurate because you never gave your written consent to have them reported, so now! can sue you. 15 USC 1681n is basically Civil Liability For Willful Noncompliance. I asked this company to stop reporting & remove the account off my credit due to them not being the original creditor as well ; they said no they could not due to it being a remaining balance. 15 U.S. Code 1692c When a debt collector keeps coming after you for debt " owed '' but you already told them to stop contacting you.

Now they owe you {$1000.00} and they have to delete it from your credit report too.

All because they violated Title 15 U.S. Code 1692 ( FDCPA ) As to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692, I demand that you and your company cease all further contact with me including but not limited to communication via telephone, electronic mail, or mail correspondence. Your actions to collect this debt from me are harassing and very aggressive, affecting me emotionally and causing me too much stress. 
If you continue to contact me other than to notify me that you are ceasing all communication, I will be forced to take legal action against you and your company for violation of the Fair Debt Collection Practices Act. As well I will be filing complaints with Federal Trade Commission and Attorney General. 
If within 10 days I have not received any notification from you or your company of ending communications, I will pursue legal action and place my complaints. Once your debt has been sold to a 3rd party debt collector, the creditor can no longer collect on that debt. They sold your debt to a collection agency. You don't know who they are because you never agreed to anything with them.

15 U.S. Code 6802 No financial institution can share your non pubicks information with a third party entity. The credit 2K bureaus are a third party entity.

Debt Collectors are 3rd party entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
CFPB 1st complaint - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Texas XXXX XX/XX/year> Re : Second Request for Full Debt Validation Under the Fair Debt Collection Practices Act ( FDCPA ) Accounts XXXXXXXX XXXX # XXXX This is not full validation material documents attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX 

To Whom It May Concern : This letter is a formal SECOND NOTICE that I am requesting full validation of the alleged debt you are attempting to collect. I previously requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and you have either failed to respond or provided insufficient documentation. 

I am again asserting my right under federal law and reiterating my request for complete validation of this alleged debt. This includes, but is not limited to, the following documentation : A complete purchase agreement, assignment contract, or other legal documentation showing that your company has the right to collect on this debt. This must show an unbroken chain of ownership from the original creditor to your company. 

A full itemized accounting of the amount you claim is owed, including : The original balance All interest, fees, and other charges Payments or credits applied to the account A copy of the original contract, application, or agreement bearing my signature or other evidence establishing my alleged liability. 

The name and address of the original creditor, and the account number with them. 

Proof that the debt is not time-barred under the applicable statute of limitations in [ Your State ]. 

A copy of your companys license to collect debts in my state, if applicable. 

A statement that this debt has not been discharged in bankruptcy. 

A copy of your bond information as required by the Fair Debt Buying Practices Act ( if applicable in your state ). 

Notice to Cease Litigation and Collection Activity : Until you fully validate this debt as required by law, you must cease all collection activity, including phone calls, letters, reporting to credit bureaus, and any legal proceedings. Continued attempts to collect without proper validation is a violation of 15 U.S.C. 1692g and may be reported to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

Attached you will find the papers that XXXX XXXX gave to prove debt. 
Current ID and mail with address to match from insurance company. 



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 2025-04-30 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: EdFinancial Services
State: LA

Complaint narrative:
I received a inadequate notice and reporting my delinquent payments is a Violation of Ferpa and a violation of 15 USC 1681 and I would like to request that the late payments are removed from my credit report. This is through the company Edfinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed that my XXXX XXXX credit account XXXX ( XXXX limit ) has not been reporting accurately in violation of the FCRA. My XXXX  XXXX account was paid on time in XXXX and XX/XX/year> ( see attached bank statements ). The consumer credit reporting agencys need to report all information with complete accuracy. This account wasnt late in the months of XXXX or XX/XX/year>. Im requesting that you investigate and provide verifiable proof with records showing that I had late payments for the related months. If this information can not be verified with records showing that I had late payments in the above-mentioned months than I demand my credit reports with Experian, Transunion and Equifax be updated to paid on time immediately. Thank you for your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed that my XXXX XXXX credit account XXXX ( XXXX limit ) has not been reporting accurately in violation of the FCRA. My XXXX  XXXX account was paid on time in XXXX and XX/XX/year> ( see attached bank statements ). The consumer credit reporting agencys need to report all information with complete accuracy. This account wasnt late in the months of XXXX or XX/XX/year>. Im requesting that you investigate and provide verifiable proof with records showing that I had late payments for the related months. If this information can not be verified with records showing that I had late payments in the above-mentioned months than I demand my credit reports with Experian, Transunion and Equifax be updated to paid on time immediately. Thank you for your prompt response.

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 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This debt pertains to XXXX XXXXXXXX XXXX XXXXXXXX original creditor debt sold to Transworld System INC and states that the outstanding amount is {$670.00}. Upon further investigation, it was discovered that this charge not belonging to. However, Transworld Systems INC is reporting it on my XXXX  Credit Profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: LA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MI

Complaint narrative:
On XX/XX/XXXX, Transunion reported that my credit score was XXXX. NOTHING substantial has changed on my credit report for 4 months. I have made ALL of my payments on time, and have even made DOUBLE payments towards my loans. I do not have substantial amount of debt, in fact I keep my debt utilization under 30 % on all of my cards. On the XXXX, Transunion lowed my score OVERNIGHT by XXXX points. The ONLY thing that changed, is my XXXX XXXX credit card had a credit utilization increase of {$300.00}. In my eyes, there was NO reason as to why my credit score should've went down XXXX points! I've worked hard to increase my credit score, and was on track to reaching a XXXX credit score by XXXX. I believe this to be unfair as I have XXXX missed payments, a great credit report, and have been responsible with my 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 2025-04-30 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: MO

Complaint narrative:
I received communication from U.S. Bank attempting to collect on an alleged debt. Under the FDCPA ( 15 USC 1692g ( a ) ) and Regulation F ( 12 CFR 1006.34 ), they were required to send me a written notice of the debt within five ( 5 ) days of that initial contact.

I did not receive that written notice. As a result, I was not informed of the amount of the debt, the name of the creditor, or my right to dispute the debt within 30 days. This is a direct violation of federal law.

Despite this failure, they have proceeded to report this debt to one or more credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ) because the information is unverified and incomplete.

I have sent a formal dispute to the credit bureaus and demanded that the debt collector validate the debt. Since they failed to meet the 5-day notice requirement, their reporting and collection activity is 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 non-monetary relief
Consumer complaint received 2025-04-30 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MO

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to discover that I have been a victim of identity theft. I found numerous accounts listed that I did not open. These fraudulent accounts are negatively impacting my credit. I kindly request remove from my credit report as soon as possible.

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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC
State: FL

Complaint narrative:
I am writing to formally dispute a fraudulent account that has been reported on my credit file. I was recently contacted by a collection company regarding an account that I did not open and have no knowledge of. I informed the company that the account was fraudulent and requested a copy of the original contract. 

Upon reviewing the documentation they provided, I noticed that the signature on the contract is not mine. Furthermore, no payments have ever been made on the account, which further supports my claim that I am not responsible for it. 

Despite notifying the company of the fraudulent nature of the account and requesting its removal from my credit report, the account has not been removed. Additionally, it is currently showing late payments, which is significantly damaging my credit and making it impossible for me to purchase a home for my family. 

I am requesting immediate removal of this fraudulent account and all related negative information from my credit report. Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ). I also request that a fraud alert be placed on my credit file to prevent further unauthorized activity. 

I am prepared to provide identification and any supporting documents as needed. Please promptly confirm receipt of this dispute and the steps being taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/scrub> 2025, XXXX XXXX instructed his team of XXXX XXXX XXXX XXXX ( XXXX  ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the XXXX XXXX XXXX program. My information was among that dataset that has been compromised.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-30 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: NC

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND 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 non-monetary relief