vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
XX/XX/XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XX/XX/XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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

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 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Collection Agency owns a debt purchased from an original collector, XXXX  XXXX. They use Resurgent Capital Services to collect for them, and I was initially contacted by them XX/XX/year> stating I owe {$3500.00}. At that time I sent a dispute letter and Resurgent  responded with debt validation. I also received another letter from XXXX XXXX agency stating they were collecting on that same debt. This debt has been disputed by me and at the same time included a cease and desist letter. 
Since then, in order to harass me without Resurgent or LVNV contacting me directly, they hire other collection agencies to call me multiple times per week. So far, not including XXXX, XXXX, XXXX XXXX and now XXXX XXXX XXXX ( XXXX ) have called me regarding this account owned by LVNV. 
I have already disputed the debt and it shows as Consumer disputes debt with all XXXX credit bureaus. 
Their next step would be to file a law suit but they have not done so. Instead they have incorrect dates on my credit reports ( re-aging ) and an incorrect date of last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: PA

Complaint narrative:
Upon reviewing my credit reports with all three bureaus, I have come across several accounts that were opened frequently due to my information being exposed in the Equifax XXXX XXXX in XXXX have sent several letters to the credit bureaus requesting a thorough investigation as well as the removal of these accounts. Please see the attached letter that was last sent on XXXX XXXX and remove the following accounts listed below : 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

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 2025-07-14 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America withdrawed funds from a newly opened account as an offsett payment to a corporate account. Bank of America does not have any court orders or judgements against me to withhold or deduct funds from my account. This is a direct violation of consumer regulation ( XXXX XXXX XXXX ( d ) ) that says the following : " General rule. A card issuer may not take any action, either before or after termination of credit card privileges, to offset a cardholder 's indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. '' Also violates FCBA law : A card issuer may not take any action to offset a cardholders indebtedness arising in connection with a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer.

There is no automatic payment arrangement for my Bank of America checking ending in 6484 12 CFR 1026.12, prohibit a card issuer from using a cardholder 's deposit account to offset the cardholder 's indebtedness on a credit card. 

Bank of America has not given any notice before doing an offset for my accounts. 

These offset took place from my personal account ending in XXXX on XX/XX/XXXX in the amount of {$910.00} and another offset on XX/XX/XXXX in the amount of {$490.00} offset payment made to business account ending in XXXX The is no right to offset has no effect on an account that was not opened at the time of agreement. And the guarantor for the business credit card ending in XXXX is not the name on the personal checking ending in 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 2025-07-14 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/year> XXXX RE : DEMAND FOR DELETION OF ACCOUNT ENDING IN XXXX DUE TO XXXX XXXX XXXX FCRA, AND FDCPA VIOLATIONS To Whom It May Concern, This letter is a formal demand for the immediate deletion of the following account from all consumer reporting agencies under your control. Upon review of my credit reports, I have identified significant legal violations that require urgent attention. 

The following account number is included in this dispute and demand for deletion : Account # : SYNCB/PPC ending XXXX XXXX XXXX XXXX XXXX Violations : - Improper use of compliance condition codes ( e.g., failure to mark account as disputed ). 
- Reporting charge-offs inaccurately with incorrect balance or status. 
- Violating the standard reporting format required for XXXX XXXX compliance. 
- Misleading status updates that affect scoring algorithms. 


Fair Credit Reporting Act ( FCRA ) Violations : - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Inaccurate reporting of information.

- 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable investigation of disputes.

- 15 U.S.C. 1681e ( b ) : Failure to maintain accurate and up-to-date information.

- 15 U.S.C. 1681n & 1681o : Willful and negligent noncompliance with FCRA.

Fair Debt Collection Practices Act ( FDCPA ) Violations ( if applicable ) : - 15 U.S.C. 1692e ( 8 ) : Failure to report account as disputed.

- 15 U.S.C. 1692g ( b ) : Continued collection and reporting without validation.

Due to the violations cited, you are hereby demanded to permanently delete the above-referenced account from all credit bureaus ( Equifax, Experian, and TransUnion ) within 15 days of receiving this notice. Failure to do so will result in immediate escalation to the CFPB, FTC, and state Attorney General, and I will seek legal remedy including actual and statutory damages as provided by federal law. 

This is your final opportunity to resolve this matter amicably. I request written confirmation that this account has been removed from my credit file. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-14 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
My son stole my SSN we have the same name and same address. He rented an apartment by fraud by using my SSN. The original creditor is XXXX at XXXX XXXX XXXX hired a company called XXXX XXXX XXXX to recover the debt. Again it's not my account I asked them to provide me with the drivers license used and signature. But they wouldn't provide this information because it proves it wasn't me. The account is fraudulent and they know it. I'm willing to give a copy of my drivers license and a legal document of my signature to prove my innocence. The apartment complex should have made sure that my social and my son 's birthday doesn't match. They didn't do it. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
Date : XX/XX/year> I am filing this complaint regarding an alleged debt originally from Synchrony Bank, which has been referred to the law firm XXXX XXXX XXXX XXXX XXXX for collection. 

As of todays date, I have not received any written XXXX debt validation notice from XXXX & XXXX XXXX XXXX Synchrony Bank XXXX this alleged debt. I only became aware of potential legal action after speaking to representatives by phone. 

On XX/XX/year>, I made XXXX phone calls to XXXX & XXXX in good faith to request validation of the debt : The first call occurred at XXXX PM XXXX XXXX XXXX. During this call, I began reading a formal legal statement requesting validation of the debt. Before I even identified myself, the representative disconnected the call without speaking at all. 
The second call occurred at XXXX PM XXXX XXXX XXXX. I explained that I had just been hung up on while trying to assert my rights under the Fair Debt Collection Practices Act. I then provided my name, and the representative told me the matter needed to be transferred to another department. During that transfer, the call was disconnected again, and I received no follow-up or response. 

Following these calls, I submitted a written request for validation by email to the law firm. As of this complaint, I have not received any response or documentation. Despite this, I have been informed that a lawsuit was filed against me, which I believe was done improperly and without the required notice or validation process. 

Based on these facts, I believe XXXX XXXX XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) particularly 15 U.S.C. 1692g, which requires debt collectors to send a written notice and provide validation upon request before initiating legal action. 

I respectfully request an investigation into this law firms conduct, immediate proof of the debt, and appropriate corrective action if violations are confirmed.

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 2025-07-14 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 a XXXX XXXX victim under 605c. I want help in removing and blocking the accounts that I have reported to you guys in my supporting documents. please take care of this for me as it is really hurting 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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: GA

Complaint narrative:
WORLD FIN is falsely reporting on my credit. I have never had any accounts with them. Per my research WORLD FIN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation