vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC, XXXX Subject : Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Dear LVNV Funding LLC, I am writing to formally dispute the alleged debt that you have contacted me about. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full validation of this debt, including but not limited to the following : 1. The name and address of the original creditor.

2. A copy of any signed agreement or contract that verifies my liability for this debt.

3. A complete payment history, including all fees and interest accrued.

4. Documentation proving that LVNV Funding LLC has the legal right to collect this debt.

5. Any judgment, assignment, or contract that establishes your authority over this account.

6. Proof that this debt is within the applicable statute of limitations for collection.

7. Evidence that this debt belongs to LVNV Funding LLC and not another entity.

8. A contract bearing both my signature and that of LVNV Funding LLC demonstrating my obligation to this debt. 
Please consider this letter as a formal dispute of the alleged debt. Until the requested validation is provided, I request that you cease all collection activities, including reporting this account to credit bureaus, as failure to validate a disputed debt is a violation of the FDCPA and other consumer protection laws. 
If you are unable to validate this debt, I respectfully request that you remove any references to it from my credit report and cease all further collection efforts. Additionally, please provide written confirmation of your actions regarding this matter. 
Please send all correspondence regarding this request to my address above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S code 1681e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S code 1681i ( 5 ) treatment of an accurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) probably notified the furnisher of that information, the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance {$2200.00} XXXX XXXX Balance {$2300.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} 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 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 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 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 2025-04-01 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: SC

Complaint narrative:
I have spoken to agents from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have also sent documentation supporting my identity theft claim. These accounts were opened when I was incarcerated by my ex-spouse. I sent my federal prison paperwork and my divorce papers as proof to support my claims. All three credit card companies wrote me back denial letters stating that these accounts were opened using information that matches my personal information, the accounts were accessed using a phone number associated with me, payments were made using an account associated with me, and statements were mailed to an address associated with me. I called all three companies back and explained to them that of course the information matched my personal information because my ex-spouse would have had that information while I was in prison. It would also stand to reason that statements were sent to an address associated with me since my ex-spouse was living at my current address while I was incarcerated. Payments would have been made from an account associated with me because I had a joint account with my ex-spouse before I was incarcerated that he continued to use. He also used my phone while I was incarcerated. All of the reasons they gave me are all part of what identity theft entails. I pointed out to them that although the phone number is mine current number, and the address used is my current address, and the bank account used to make payments were held jointly with me, those things were not mine at the time these accounts were opened and used. My address when these accounts were opened was my prison address, my phone number was the prison phone number, and I had no access to any bank account. I clearly could not have made any credit card purchases because prisons do not accept credit cards.

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 2025-04-01 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I've asked multiple times for a debt validation, contract, transfer of debt documents, debt verification by the credit bureaus, assignment agreement to demonstrate their legal rights to collect the debt and have received nothing. Provide Proof that the collection agencies reported are authorized to collect on the debt. Who owns the debt? 
I have not received any of the requested information listed above. 

I didn't authorize these companies to obtain my info. My rights were violated under FDCPA and FCRA. 

Remove ALL accounts listed in Complaint Id- XXXX and XXXX that are in dispute, Because of CBR not doing the research my credit score is different on different platforms. Under FCRA consumers must be provided accurate information when it comes to credit scoring that discrepancies must be addressed promptly. The discrepancies has led to adverse action and I request the situation is reviewed accordingly.

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 2025-04-01 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: GA

Complaint narrative:
Subject : Complaint Against XXXXXXXX XXXX XXXX XXXXXXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXXXXXX XXXX XXXX XXXXXXXX concerning inaccurate and unverified information being reported on my credit reports. 

Account Information : Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year> Issue : Recent late payment reported without proper notice or verification Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate and unverifiable information FCRA 609 ( a ) ( 1 ) : Failure to provide proper validation of the alleged late payment XXXXXXXX XXXX XXXX XXXXXXXX has reported a recent late payment on this account without providing me proper notice, verification, or signed documentation substantiating the delinquency. This reporting is harmful and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
Subject : Complaint Against XXXXXXXX XXXX XXXX XXXXXXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXXXXXX XXXX XXXX XXXXXXXX concerning inaccurate and unverified information being reported on my credit reports. 

Account Information : Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year> Issue : Recent late payment reported without proper notice or verification Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate and unverifiable information FCRA 609 ( a ) ( 1 ) : Failure to provide proper validation of the alleged late payment XXXXXXXX XXXX XXXX XXXXXXXX has reported a recent late payment on this account without providing me proper notice, verification, or signed documentation substantiating the delinquency. This reporting is harmful and 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 non-monetary relief
Consumer complaint received 2025-04-01 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NV

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NV

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-01 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I see several inquiries that I did not authorize on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
Falsely reporting information to my credit report I am not aware of. I have asked for proof several times and I have not received a response. This is hindering my life.

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I called Citibank XX/XX/XXXX about my money from my job. They told me that the account was closing and that it would take 30 to 60 days for them to mail me my check. I called on the XXXX because I know banks like to lie and ask again and they told me it would take two days and they will send it back to the sender. I actually recorded the call as well. I called again again and again ever since the XXXX Ive been calling every single day and everyones been giving me different answers. My job sent me {$980.00} The company took no action. The only thing they told me was that they cant tell me anything right now and that my funds will possibly be mailed to me at 30 to 60 days.

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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX Subject : Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Dear Midland Credit Management, I am writing to formally dispute the alleged debt that you have contacted me about. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full validation of this debt, including but not limited to the following : 1. The name and address of the original creditor.

2. A copy of any signed agreement or contract that verifies my liability for this debt.

3. A complete payment history, including all fees and interest accrued.

4. Documentation proving that Midland Credit Management has the legal right to collect this debt.

5. Any judgment, assignment, or contract that establishes your authority over this account.

6. Proof that this debt is within the applicable statute of limitations for collection.

7. Evidence that this debt belongs to Midland Credit Management and not another entity.

8. A contract bearing both my signature and that of Midland Credit Management demonstrating my obligation to this debt. 
Please consider this letter as a formal dispute of the alleged debt. Until the requested validation is provided, I request that you cease all collection activities, including reporting this account to credit bureaus, as failure to validate a disputed debt is a violation of the FDCPA and other consumer protection laws. 
If you are unable to validate this debt, I respectfully request that you remove any references to it from my credit report and cease all further collection efforts. Additionally, please provide written confirmation of your actions regarding this matter. 
Please send all correspondence regarding this request to my address above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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 XX/XX/XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B 15 U.S.C. 1681c-2 that you the Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX. 

These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the account in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquirie are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud. I request, pursuant to FCRA 605B 15 U.S.C. 1681c-2 that the EXPERIAN credit reporting agency block all of the accounts, collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have seen a lot of name listed on the inquiry that I had with Transunion account, end there is an another account on collection name XXXX XXXX XXXX with an amount of {$760.00}

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