vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
Sunbelt Credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sunbelt Credit , I am writing in response to your letter XX/XX/year>, regarding the alleged debt referenced as XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. 

Specifically, please provide : The amount of the alleged debt, including a breakdown of principal, interest, fees, and any other charges. 

The name of the original creditor and the account number associated with the alleged debt. 

Copies of any contract or agreement bearing my signature that makes me legally obligated to pay. 

Proof that your company is authorized to collect debts in my state. 

A complete payment history and documentation showing how the amount you claim is owed was calculated. 

Please be advised that until you provide this validation, you must cease all collection activity, including reporting to credit bureaus, contacting me, or pursuing legal action. 

If you can not provide the requested documentation, you must immediately cease all collection activity and remove any related information from my credit report. 

This is not a refusal to pay but a request for validation. Please communicate with me only in writing regarding this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
Bull City Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Bull City Financial Solutions, I am writing in response to your letter dated XXXX XXXX, regarding the alleged debt referenced as XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. 

Specifically, please provide : The amount of the alleged debt, including a breakdown of principal, interest, fees, and any other charges. 

The name of the original creditor and the account number associated with the alleged debt. 

Copies of any contract or agreement bearing my signature that makes me legally obligated to pay. 

Proof that your company is authorized to collect debts in my state. 

A complete payment history and documentation showing how the amount you claim is owed was calculated. 

Please be advised that until you provide this validation, you must cease all collection activity, including reporting to credit bureaus, contacting me, or pursuing legal action. 

If you can not provide the requested documentation, you must immediately cease all collection activity and remove any related information from my credit report. 

This is not a refusal to pay but a request for validation. Please communicate with me only in writing regarding this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
1. Dispute of Accuracy ( FCRA 1681i ) Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I dispute the accuracy and completeness of this account. I request that you conduct a reasonable investigation and provide me with documentation verifying : The name and address of the original creditor. 
A complete payment history, including the date of first delinquency. 
Copies of any agreement or contract bearing my signature that allegedly created this debt. 

If you are unable to verify the information, you are required by law to delete this account from my credit file.

2. Validation of Debt ( FDCPA 1692g ) If you are a debt collector, I am exercising my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) to request validation of this debt. Until such validation is provided, you must cease all collection activity, including reporting this account to any credit bureau.

3. Cease Communication ( FDCPA 1692c ) Pursuant to 15 U.S.C. 1692c ( c ), you are hereby notified to cease all further communication with me regarding this alleged debt, except as permitted by law ( to confirm that collection efforts will stop, or that specific legal remedies may be pursue
d ).

4. Required Action If you can not validate the debt, or if your investigation under the FCRA fails to verify accuracy, you must immediately remove this account from my credit report. 
Please provide written confirmation of the results of your investigation within the legally required time frame ( 30 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: AZ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$130000.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-09-13 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: AZ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$130000.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-09-13 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: TN

Complaint narrative:
I am filing a complaint regarding the way my XXXX XXXX XXXX XXXX account is being reported across the three credit bureaus ( Equifax, TransUnion, and Experian ). The reporting is inconsistent, inaccurate, and unverifiable, which violates the Fair Credit Reporting Act ( FCRA ). 

1. Conflicting Account Numbers TransUnion and Experian list the account under one number ( XXXX ), while Equifax reports a different number ( XXXX ). This inconsistency makes the account unverifiable and creates confusion, violating FCRA 611 ( a ).

2. Different Last Activity/ Closed Dates TransUnion reports last activity as XX/XX/XXXX. 
Experian reports last activity as XX/XX/XXXX. 
Equifax reports last activity as XX/XX/XXXX. 
The same account should not have three different closure/last activity dates. This violates the FCRAs requirement for maximum possible accuracy ( FCRA 607 ( b ) ).

3. Payment History Discrepancies Experian reports XX/XX/XXXX as 30 days late and XX/XX/XXXX as 60 days late. 
TransUnion and Equifax both report XXXX and XX/XX/XXXX as only 30 days late. 
This creates material discrepancies and misrepresents my payment history, which is a violation under FCRA 611 ( a ).

4. Misleading Status on a Closed Account The account has a {$0.00} balance and has been closed since XX/XX/XXXX, yet TransUnion and Equifax continue to report the account as derogatory or late ( Late 60 Days ). A closed and paid account should not remain in a delinquent status. This type of reporting is misleading and violates the FCRAs accuracy standards ( FCRA 607 ( b ) ).

5. Ongoing Updates After Closure Equifax continues to update this account as of XX/XX/XXXX, even though it was closed years ago. This makes it appear as if the account is active and derogatory, which unfairly damages my credit profile. 

I previously disputed this account directly with XXXX XXXXXXXX XXXX and requested clarification and correction of these reporting errors. Instead of addressing the specific inconsistencies or providing documentation, the company sent me a generic response stating the reporting was accurate. They failed to explain why the same account has different account numbers, dates, and payment history across the bureaus. 

Because of these issues, the account is clearly being reported inaccurately and inconsistently, making it unverifiable under the FCRA.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing a complaint regarding the way my XXXX XXXX XXXX XXXX account is being reported across the three credit bureaus ( Equifax, TransUnion, and Experian ). The reporting is inconsistent, inaccurate, and unverifiable, which violates the Fair Credit Reporting Act ( FCRA ). 

1. Conflicting Account Numbers TransUnion and Experian list the account under one number ( XXXX ), while Equifax reports a different number ( XXXX ). This inconsistency makes the account unverifiable and creates confusion, violating FCRA 611 ( a ).

2. Different Last Activity/ Closed Dates TransUnion reports last activity as XX/XX/XXXX. 
Experian reports last activity as XX/XX/XXXX. 
Equifax reports last activity as XX/XX/XXXX. 
The same account should not have three different closure/last activity dates. This violates the FCRAs requirement for maximum possible accuracy ( FCRA 607 ( b ) ).

3. Payment History Discrepancies Experian reports XX/XX/XXXX as 30 days late and XX/XX/XXXX as 60 days late. 
TransUnion and Equifax both report XXXX and XX/XX/XXXX as only 30 days late. 
This creates material discrepancies and misrepresents my payment history, which is a violation under FCRA 611 ( a ).

4. Misleading Status on a Closed Account The account has a {$0.00} balance and has been closed since XX/XX/XXXX, yet TransUnion and Equifax continue to report the account as derogatory or late ( Late 60 Days ). A closed and paid account should not remain in a delinquent status. This type of reporting is misleading and violates the FCRAs accuracy standards ( FCRA 607 ( b ) ).

5. Ongoing Updates After Closure Equifax continues to update this account as of XX/XX/XXXX, even though it was closed years ago. This makes it appear as if the account is active and derogatory, which unfairly damages my credit profile. 

I previously disputed this account directly with XXXX XXXXXXXX XXXX and requested clarification and correction of these reporting errors. Instead of addressing the specific inconsistencies or providing documentation, the company sent me a generic response stating the reporting was accurate. They failed to explain why the same account has different account numbers, dates, and payment history across the bureaus. 

Because of these issues, the account is clearly being reported inaccurately and inconsistently, making it unverifiable under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
1. Dispute of Accuracy ( FCRA 1681i ) Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I dispute the accuracy and completeness of this account. I request that you conduct a reasonable investigation and provide me with documentation verifying : The name and address of the original creditor. 
A complete payment history, including the date of first delinquency. 
Copies of any agreement or contract bearing my signature that allegedly created this debt. 

If you are unable to verify the information, you are required by law to delete this account from my credit file.

2. Validation of Debt ( FDCPA 1692g ) If you are a debt collector, I am exercising my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) to request validation of this debt. Until such validation is provided, you must cease all collection activity, including reporting this account to any credit bureau.

3. Cease Communication ( FDCPA 1692c ) Pursuant to 15 U.S.C. 1692c ( c ), you are hereby notified to cease all further communication with me regarding this alleged debt, except as permitted by law ( to
confirm that collection efforts will stop, or that specific legal remedies may be pursued ).

4. Required Action If you can not validate the debt, or if your investigation under the FCRA fails to verify accuracy, you must immediately remove this account from my credit report. 
Please provide written confirmation of the results of your investigation within the legally required time frame ( 30 days ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-13 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: IL

Complaint narrative:
You are hereby notified that the items below are being disputed as inaccurate and unverifiable. According to FCRA 609 and 611, you must provide a complete investigation and validation of these accounts within 30 days. If you are unable to do so, you are obligated to delete the entries from my credit report. Please comply promptly to avoid further action. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
You are hereby notified that the items below are being disputed as inaccurate and unverifiable. According to FCRA 609 and 611, you must provide a complete investigation and validation of these accounts within 30 days. If you are unable to do so, you are obligated to delete the entries from my credit report. Please comply promptly to avoid further action. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate or omitted information currently associated with my credit report. Upon reviewing my file, I discovered that multiple student loan accounts have either been omitted completely or are not reporting delinquency details in a manner consistent with other credit bureaus.

These discrepancies not only reflect inconsistently on my credit profile but also constitute violations under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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