vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Company failed to provide requested information to validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear LVNV RE : LVNV Account # XXXX {$650.00} Debt Validation Pursuant to 12 CFR 1006.34C Be Advised this is a refusal to pay, and notice to and desist all collection activities sent pursuant to the Fair Debt Collection Practices Act 12 CFR 1006.6c.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Consumer Reporting Agencies ( XXXX XXXX, or XXXX  ) this action may constitute fraud under both Federal and State Laws.

Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act. and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested pursuant 12 CFR 1006.34c in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

Please provide the following : o Agreement with your client that grants you the authority to collect on this alleged debt.

o Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

o Any insurance claims been made by any creditor regarding this account.

o Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number.

Address on file for alleged debtor.

Amount of alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit-reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 calendar days of the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

Sincerely XXXX XXXX

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

Complaint narrative:
There are several inaccuracies on my report that has not been addressed during the investigation of the company

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 2025-07-07 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: GA

Complaint narrative:
There are several inaccuracies on my report that has not been addressed during the investigation of the company

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

Complaint narrative:
I am filing this formal complaint because XXXX XXXX continues to inaccurately report 90- and 120-day late payments on my federally held student loan account, despite my documented enrollment in the CARES Act COVID-19 Administrative Forbearance Program ( Pub. XXXX XXXX, XXXX ). Under this law, all federally owned student loan payments were suspended, interest was waived, and no adverse credit reporting was permitted starting XX/XX/XXXX. 

Despite my full legal compliance, the reported delinquencies are not only factually incorrect and financially damaging but also violate multiple federal statutes, including the : Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) Family Educational Rights and Privacy Act ( FERPA ) As of XX/XX/XXXX, XXXX has already removed this account and all related late payment notations from its system, acknowledging the errors and accepting my documentation as valid. However, Experian, Equifax, and TransUnion continue to report these delinquencies, despite my formal disputes and supporting documentation. 

Critically, I was also notified that I am a confirmed victim of the XX/XX/XXXX XXXX data breach, which compromised consumer identity records used by major credit bureaus and data furnishersincluding XXXX account verification. Any information used by these agencies or XXXX to verify these delinquencies may have been obtained through compromised and corrupted data sources, rendering the continued verification fraudulent and unreliable. 

Despite previously disputing the account and providing appropriate evidence, the company responded on XX/XX/XXXX, stating that the documents were not acceptable and claiming that the information was verified as accurate. However, no factual documentation or proof has been provided to support this claim, which is a direct violation of the FCRAs requirement for reasonable investigation and data integrity. 

The reporting of this incorrect information has resulted in a credit score drop of more than XXXX points, causing significant and ongoing financial harm.

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 2025-07-07 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: GA

Complaint narrative:
There are several inaccuracies on my report that i have disputed

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 2025-07-07 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: GA

Complaint narrative:
There are several inaccuracies on my report that i have disputed

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

Complaint narrative:
I am filing this formal complaint regarding a charge-off account that is being reported inaccurately on my credit report by Experian. The account in question is listed as : - Creditor Name : XXXX XXXX  - Partial Account Number : XXXX - Reported Balance : {$3800.00} - Credit Limit : {$3500.00} - Status : Charged off, {$3800.00} past due - Account Closed : At credit grantor 's request - Date Opened : XX/XX/XXXX - Last Payment Date : XX/XX/XXXX - Balance Last Updated : XX/XX/XXXX I dispute the accuracy and legality of how this account is being reported for the following reasons : 1. Violation of the Truth in Lending Act - 15 U.S. Code 1601 This federal law ensures that creditors and reporting agencies provide clear and truthful disclosures of credit terms. The account shows a balance ( {$3800.00} ) that exceeds the original credit limit ( {$3500.00} ), which may include excessive interest or fees after the charge-off. This practice is misleading and does not reflect the " informed use of credit '' mandated by the law.

2. Improper Post-Charge-Off Reporting Although the account was charged off and closed, Experian continues to update the balance, which was last reported on XX/XX/XXXX. Continued updates post-charge-off can mislead lenders, distort my credit profile, and unfairly impact my creditworthiness.

3. Incomplete or Inconsistent Reporting The account lacks essential details such as monthly payment terms and appears to be inaccurately maintained, which violates not only the Truth in Lending Act but also the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete reporting.

I have contacted Experian to resolve this matter but have not received a satisfactory resolution. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) : - Investigate the reporting of this XXXX charge-off account - Ensure Experian complies with 15 U.S. Code 1601 and the FCRA - Require them to remove or correct this inaccurate and unfairly reported information Thank you for your time and assistance.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2025, a charge in the amount of {$120.00} was deducted from my Citibank checking account and paid to XXXX XXXX. I am disputing this charge in full. 

At the time of the transaction, a rental agreement was signed with XXXX. However, the {$120.00} was later deducted from my account without proper notice or explanation. According to XXXX, this amount was related to citation or ticket feesbut no documentation or citation details were provided to substantiate this claim.

I have directly contested the charge with XXXX, as I believe the citation fees in question are unsubstantiated. Furthermore, under the XXXX XXXX XXXX Department of Finance, all tickets and citations are subject to an appeal process. Therefore, the unilateral deduction of these alleged fees before the appeal process has concluded is premature, egregious, and conducted in bad faith.

This arbitrary charge was applied to my account without due process or transparency, which violates fair consumer billing practices. I am currently undergoing the formal arbitration and appeals process with the State of New York, and until this process is complete, any attempt to collect fees is inappropriate. 

I am requesting that the {$120.00} charge be reversed and that Citibank intervene to protect my rights as a consumer during the pending dispute.

Requested Resolution : Immediate reversal of the {$120.00} charge to my checking account Investigation into XXXX XXXX  billing practices Assurance that future charges related to disputed citations will not be processed until due process is completed Thank you for your attention to this matter.

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 monetary relief
Consumer complaint received 2025-07-07 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:
I recently reviewed a copy of my credit report, and noticed that I had fruaudulent accounts on my report. Please delete these fraudulent accounts, because 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 2025-07-07 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., Miller v. Equifax {$18.00} million ; Thomas v. TransUnion {$5.00} million ).

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses.

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX 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 2025-07-07 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: OH

Complaint narrative:
This account was fraudulently opened without my authorization and constitutes a clear case of identity theft. I have submitted a full identity theft affidavit, FTC Identity Theft Report ( Ref No. XXXX ), and supporting documentation in prior disputes. 

Despite this, the account has been illegally reinserted multiple times in violation of : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity theft accounts must be blocked within 4 business days upon submission of a valid identity theft report. 

FCRA XXXX681i ( a ) ( 5 ) ( B ) : Reinsertion of any previously blocked item requires prior certification of accuracy and written notice within 5 business days. I received no such notice.

Additionally, the account has been reported as a charge-off, yet no IRS Form 1099-C was ever issued, suggesting the debt was not canceled and therefore should not be reported as a charge-off or as valid income and I am demanding the inaccurate account be permanently removed. 

The documents used by XXXX XXXX XXXX to " verify '' this account are fraudulent, forged, and invalid. Continued reporting after receiving federal identity theft documentation constitutes willful noncompliance under FCRA 1681n and 1681o. 

As of XX/XX/year>, I was officially notified that my personal records were involved in the XXXX data breach. XXXX is widely used by the major credit reporting agencies for consumer identity verification and fraud analysis. Any verification of the XXXX XXXX XXXX account or XXXX late payment data that relied on XXXX data is therefore compromised and invalid. 

Use of breached, inaccurate, or unverifiable records to validate or reinsert a fraudulent account constitutes willful noncompliance with the Fair Credit Reporting Act and potentially violates data protection obligations under the Gramm-Leach-Bliley Act ( GLBA ) and FCRA 1681s-2 ( b ).

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 2025-07-07 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: OH

Complaint narrative:
This account was fraudulently opened without my authorization and constitutes a clear case of identity theft. I have submitted a full identity theft affidavit, FTC Identity Theft Report ( Ref No. XXXX ), and supporting documentation in prior disputes. 

Despite this, the account has been illegally reinserted multiple times in violation of : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity theft accounts must be blocked within 4 business days upon submission of a valid identity theft report. 

FCRA XXXX681i ( a ) ( 5 ) ( B ) : Reinsertion of any previously blocked item requires prior certification of accuracy and written notice within 5 business days. I received no such notice.

Additionally, the account has been reported as a charge-off, yet no IRS Form 1099-C was ever issued, suggesting the debt was not canceled and therefore should not be reported as a charge-off or as valid income and I am demanding the inaccurate account be permanently removed. 

The documents used by XXXX XXXX XXXX to " verify '' this account are fraudulent, forged, and invalid. Continued reporting after receiving federal identity theft documentation constitutes willful noncompliance under FCRA 1681n and 1681o. 

As of XX/XX/year>, I was officially notified that my personal records were involved in the XXXX data breach. XXXX is widely used by the major credit reporting agencies for consumer identity verification and fraud analysis. Any verification of the XXXX XXXX XXXX account or XXXX late payment data that relied on XXXX data is therefore compromised and invalid. 

Use of breached, inaccurate, or unverifiable records to validate or reinsert a fraudulent account constitutes willful noncompliance with the Fair Credit Reporting Act and potentially violates data protection obligations under the Gramm-Leach-Bliley Act ( GLBA ) and FCRA 1681s-2 ( b ).

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 2025-07-07 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: AL

Complaint narrative:
I recently reviewed a copy of my credit report, and noticed that I had fruaudulent accounts on my report. Please delete these fraudulent accounts, because 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 explanation
Consumer complaint received 2025-07-07 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: AL

Complaint narrative:
I recently reviewed a copy of my credit report, and noticed that I had fruaudulent accounts on my report. Please delete these fraudulent accounts, because they are hurting my ability to obtain credit.

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

Complaint narrative:
I have previously requested the correction of inaccurate information on my credit report, which has been verified as incorrect by another credit reporting agency. However, due to your lack of response or the response being deemed frivolous, it is clear that the Credit Bureaus have failed to uphold FCRA regulations and fulfill my request for proper verification. I am requesting that these errors be rectified immediately to ensure accurate records. Below is the list of accounts for your review : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$390.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., Miller v. Equifax {$18.00} million ; Thomas v. TransUnion {$5.00} million ).

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses.

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation