vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
This company purchase this alleged debt from a previous debt collector that was not able to validate this alleged debt. This debt does not even exist and was not originated by me. I notified this debt collector with a Cease and Desist because the debt does not exist and I notified them specifically in writing by mail that I REFUSED TO PAY THIS ALLEGED DEBT that JEFFERSON CAPITAL SYSTEMS purchased from another XXXX party debt buyer. Jefferson Capital Systems and I never engaged in any form of business and I never contractually signed any legal obligation binding me to any alleged debt that you placed on my credit. Therefore you do not have any original documents bearing any of my signatures, as well as there is no record of an account belonging to me with the original creditor listed on my credit report. I XXXX XXXX am enforcing my federally protected rights as a consumer, from this point forward. Jefferson Capital Systems is to CEASE and DESIST further communication with me and shall not communicate further with me with respect to this alleged debt in any form or fashion through any medium. This Cease and Desist includes but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY, which amounts to collection attempts. To be clear the law clearly states ( if you are unaware ) the following : 15 USC 1692c ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. So therefore I am exercising my rights PURSUANT 15 USC 1692 ( C ). And if you are unaware of the definition of communication under FDCPA / FCRA it is defined as follows : The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic, or other medium. For example, communication may occur in person or by telephone, audio recording, paper document, mail, email, text message, social media, or other electronic media. You have no permissible purpose by law to contact me or any XXXX party, with my private or personal information. You also do not have any consent to access any of my consumer reporting files with consumer reporting agencies. If you do, your offenses will amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Formal Request for Reinvestigation and Full Compliance Review under FCRA, TILA, FCBA, FDCPA, and XXXX XXXX To Whom It May Concern : This is a formal Reinvestigation Request and Notice of Dispute regarding the information your company is furnishing to the credit reporting agencies under my consumer file.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), and the Fair Credit Billing Act, you are required to conduct a reasonable investigation upon receiving notice of a dispute. I am hereby demanding a reinvestigation of the item ( s ) listed below, and a comprehensive review of your reporting under XXXX XXXX compliance guidelines, including all data fields and condition codes. 

Account Name/Number : BANK OF AMERICA XXXX Date Opened : XX/XX/XXXX Nature of Dispute : The Date of Last Activity is inconsistent : XXXX reports XX/XX/XXXXXXXX XXXX reports XX/XX/XXXXXXXX XXXX  reports XX/XX/XXXX Violation of FCRA 607 ( b ) and XXXX XXXX Field 25 ( inaccurate and misleading reporting of aging ) Dispute Reason : The reported account contains discrepancies that violate XXXX compliance. The payment history indicates that 96 % and the other bureau is 98 % of payments were made on time, yet there are delinquency marks recorded, which contradicts the reported payment pattern. 
Additionally, the account balance is listed as {$0.00}, yet the late remarks inconsistencies require correction or removal if proper documentation can not be provided. 

The charge-off date is suspiciously aged : Last activity in XXXX vs. XXXX may indicate artificial account extension Possible violation of FCBA and TILA, which govern aging and accurate charge-off practices This may indicate either : The debt is unverifiable and thus omitted by other CRAs.

The data furnisher failed to report uniformly, leading to incomplete data transmission in violation of FCRA 623 ( a ) ( XXXX ) ( A ).

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 2025-07-22 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:
According to the law 15 USC 1681c-2 it is illegal to report anything on my credit report without my knowledge. Please remove this inaccurate account off of my credit report. Account XXXX # XXXX XXXX XXXX # : XXXX  XXXX # : XXXX Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OH

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX was transferred to checking from savings.XXXX XXXX XXXXChecking account reflected XXXXThere was no actual money spentXXXX XXXXThe round up feature on chime account \nStated that it rounded up XXXX XXXX XXXX XXXX XXXX this is the total provided by the round up that equal to XXXX XXXX XXXXI called and reported this I was hung up on numerous times told from there side they could see something else that I could not see on my account they secretly stealing ppl money through XXXX XXXX at a time. Another issue is I can't see accurately what my account balance is as I'm spending for each transaction it just reflect what I spent not the money at the time I had before I spent chime is stealing money through round up they hung up on me refused to fix came up with all kinds of excuses of why tht can't fix."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 requesting an urgent review and removal of several hard inquiries appearing on my credit report. I did not authorize these parties to access my credit information and believe these entries are invalid.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Lockhart , Morris & Montgomery Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Status : Collection Past Due Amount : {$590.00} Remarks : Placed for collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSC : XXXX D.O.B. XX/XX/XXXX XX/XX/XXXX To : LEGAL DEPARTMENT EXPERIAN CREDIT REPORTING AGENCY XXXX XXXXXXXXXXXX XXXX XXXX TX XXXX Subject : Formal Dispute of Reinserted Accounts Without Required Notice FCRA Violation ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Dear EXPERIAN This letter is a formal and urgent demand regarding items that were previously removed from my credit report but have now been reinserted without proper legal notice, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act.

Under the law, you are required to provide written notice within five business days of reinserting any previously deleted information, along with the name and address of the furnisher and a statement that the information was certified as accurate. You have failed to do so, which constitutes a willful and negligent violation of federal consumer protection statutes. 



The reinserted item ( s ) appear on my credit report as follows : Creditor Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date of ReinsertionXXXX Creditor Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date of Reinsertion : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Reinsertion : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Reinsertion : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Reinsertion : XX/XX/XXXX You were already informed that this information was inaccurate or unverifiable, and its reinsertion without my knowledge or proper certification is unacceptable. I demand the immediate deletion of this account and written confirmation of its permanent removal.

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 2025-07-22 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: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I made a deposit for {$500.00} from my roommate for household bills on the XXXX of XXXX, XXXX. I reviewed their policys online regarding check deposits and felt confident because the website mentions XXXX XXXX and said {$270.00} of check deposits must be made available next businesses day on check deposits. Well after depositing, the system notified me that I could not access any funds until the XXXX. This is not following XXXX XXXX or their websites information. Now I am late paying bills and have no groceries. My account is not new. I had never overdrafted until this happened and a XXXX employee advised there was no Penalty to overdraft by {$50.00} and to go ahead and use that feature until check is available. I dont know what makes my account the exception to regulatory requirements. No one at XXXX can properly explain this to me either. The Id like them to not do this to any other customers and make sure they know their obligations. They fraudulently changed the date of my deposit to the XXXX from the XXXX. I understand it was a weekend deposit but the deposit date can not be dated any further than Monday, XX/XX/XXXX based on your regulations. That means i should have access to at least {$270.00} no later than today. They have released nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX Account Number : XXXX * * * * XXXX XXXX A Account Number : XXXX * * * * XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: MA

Complaint narrative:
Subject : Dispute of Late Payment entry I am writing to formally dispute the late payment entry listed on my credit report for the account XXXX with bridgecrest. This entry appears to be inaccurate, and I kindly request that it be investigated and subsequently removed from my credit report. 

The late payment is reported for the month of XXXX and XXXX, and I believe it was reported in error due to a processing error. The payment was made on time. I have never missed a payment. 
According to the Fair Credit Reporting Act, I am entitled to dispute inaccuracies in my credit report. I respectfully request that you investigate this matter and correct my credit report as necessary. Please inform me of the results of your investigation and any actions taken. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

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 2025-07-22 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 have no knowledge of these activities, and they appear to be fraudulent. Investigate and resolve promptly.

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 2025-07-22 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: OR

Complaint narrative:
I have identified an unauthorized account listed on my credit report that I did not open or approve. This is a clear case of fraud and must be addressed immediately.

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 2025-07-22 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: PA

Complaint narrative:
To Whom It May Concern : I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my identity theft report filed with the Federal Trade Commission ( FTC Report XXXX ) as evidence supporting my identity theft claim. 

As stated in the FCRA, credit reporting agencies are legally obligated to block all information resulting from identity theft within FOUR ( 4 ) business days of receiving appropriate documentation. The information I am disputing stems from identity theft and is not associated with me.

I have also filed a complaint with the Federal Trade Commission, which is enclosed for your reference. Please be advised that this fraudulent data is causing me ongoing harm and must be removed promptly and permanently. 

All necessary documentation is included in this packet, and copies have been sent to your agency via certified mail and fax. 

I am requesting the immediate removal and blocking of the fraudulent accounts and/or inquiries identified in my credit report. 
Accounts : XXXX XXXX XXXX - XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
The company MCM has called and left messages on my work phone, my cell phone and my mother 's house phone stating that they are going to come to my home and place of employment to serve me papers. If they dont get my signature they will take it as a refusal to acknowledge the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: TX

Complaint narrative:
About two months ago, I closed my checking account with US Bank over the phone. The representative informed me that my remaining funds would be sent to my home address by check. However, I have not received the check. I called US Bank twice to follow up, and both times I was transferred to a phone number that is no longer in service. No further action has been taken by the company to resolve 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 2025-07-22 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: FL

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-07-22 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: NV

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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I previously filed a CFPB complaint regarding continued debt collection attempts by Resurgent Capital Services on behalf of LVNV Funding LLC with no responses to my multiple requests to validate the debt. After submitting the complaint and waiting XXXX months, LVNV Funding LLC finally provided source documents to related to the alleged debt. However, these source documents were attributed to a different individual with a similar name ( XXXX XXXX ). On XX/XX/year>, I sent a formal dispute and cease-and-desist letter via certified mail ( XXXX tracking number XXXX XXXX to Resurgent Capital Services, clearly stating these debts were misattributed and not associated with my identity or credit report. This letter was picked up by a Resurgent Capital Services agent at XXXX at XXXX am on XX/XX/year>. Following receipt of my letter, me nor my lawyer received a fromal response from Resurgent Capital Services. However, on XX/XX/XXXX, I received two letters from Resurgent Capital Services ( each dated XX/XX/XXXX ) attempting to further collect debt without properly verifying the true account holder ( reference # XXXX and # XXXX with the XXXX XXXX XXXX  as the original creditor ). Despite documented delivery of my letter providing evidence that multiple debts with LVNV Funding LLC which Resurgent Capital Services has been attempting to collect are not in fact related to my identity, Resurgent Capital Services has again attempted to collect on further LVNV Funding LLC debts which are not owned by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: WI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
These inquiries are unfamiliar and raise suspicion. I request that this be investigated immediately.

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