vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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 letter serves as a formal dispute and demand for the immediate removal of fraudulent accounts, addresses, and phone numbers from my credit report under my rights established by federal law. 

I have identified the following fraudulent and unauthorized accounts on my credit report, which I did not open or authorize : XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Additionally, I have noticed the presence of fraudulent addresses and phone numbers that do not belong to me and are inaccurately reflected in my credit file : Fraudulent Addresses : 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 XXXXXXXX Fraudulent Phone Numbers : XXXX XXXX ) XXXX ( XXXX ) XXXX Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to delete information that is found to be inaccurate, unverifiable, or fraudulent. I am asserting my rights under : 15 U.S.C. 1681c-2 ( Identity Theft Prevention and Credit History Restoration ) , which mandates the blocking of information resulting from identity theft.

15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), which requires that information providers refrain fr
om reporting data that they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681e ( b ), which compels credit reporting agencies to maintain maximum possible accuracy in consumer reports. 

I demand that these items be permanently removed from my credit file and that I be provided with an updated copy of my credit report reflecting these changes.

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 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
To Whom I

t May Concern : I am writing to dispute the validity of the debt you claim I owe. Pursuant to 15 U.S.C. 1692g ( b ), I request that you provide me with proper verification of the debt, including the name and address of the original creditor, and a copy of any judgment if applicable. Additionally, pursuant to 15 U.S.C. 1692c ( c ), I request that you cease all communication with me, except as permitted by la
w. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
In response to my complaint and dispute XXXXXXXX XXXX stated that they verified the information. I don't believe this is true or cant be done since the reporting information is incorrect. They can verify wrong information. Since I have asked them for the method of verification. I requested 1. show me proof of verification 2. provide me the NAME of the verifier 3. state the documents used for verification 4. provide me a copy of those documents 5. show date of verification. 

Neither the credit bureaus or XXXXXXXX XXXX  have provided this information to me. If this can't be done, this account should be removed from Experian and TRans Union credit bureaus reports. This account has not been updated in four years with the status and history. They are NOT doing a investigation. Not providing proof the investigation was done. 

XXXX XXXX Account number 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 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Account XXXX XXXX XXXX  # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account as soon as # XXXX possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: TN

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: TN

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-05-18 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:
XXXXXXXX XXXX XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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 inquiries 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, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion

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 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
This is my third dispute with Portfolio Recovery Associates ( PRA ). My second complaint was filed on XX/XX/year>, and over 60 days have passed with no resolution. 

I asked for prove they have the rights to collect on these accounts and they did not send anything validating they can collect on these debts. However, they continue to report the accounts without providing legally required validation under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Despite my formal request for validation, PRA failed to provide : A signed contract with XXXX  XXXX A full itemized payment history A bill of sale or assignment agreement proving ownership Proof of licensing to collect in Hawaii Instead, they sent a generic letter and a billing statement reflecting the wrong balance ( {$470.00} instead of {$340.00} ). They also failed to issue a timely final response as required within 60 days per CFPB guidelines.

Violations include : FDCPA 1692g Failure to validate debt FDCPA 1692e and 1692f Misleading and unfair collection FCRA 1681s-2 Reporting unverified or inaccurate data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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:
I recently review a copy of my credit report and notice i had fraudulent acount on my report. please remove these accounts from my report, they are hurting my ability to obtaint credit. i did'nt recognizethem i didn't authorize them they're being report by a third party i want them to be remove please

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 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover Bank misrepresented the delinquency status of my account while I was actively engaged in a debt management plan ( DMP ) through XXXX XXXX XXXX ( XXXX ). Several months after initiating the XXXX, Discover conveyed that my account was current, despite the fact that it was already over 30 days delinquent at the time. This representation, which was confirmed on multiple recorded calls, including both general support and case-specific transcripts, remained consistent through XX/XX/year>. 

Relying on that information, I submitted a payment in good faith on XX/XX/year>. After the payment was processed on XX/XX/XXXX, Discover reversed its position and reported the account as 60 days delinquent, citing late payment. This sequence of events fueled by Discovers material misrepresentation induced detrimental reliance, disrupted coordination between Discover, XXXX, and me as the consumer, and directly resulted in inaccurate and damaging credit reporting. Had the true status of the account been accurately conveyed, I could have taken timely action to prevent the derogatory mark. 

When I attempted to dispute the reporting, I was informed that Discover does not provide written responses regarding credit reporting disputes, does not investigate or acknowledge errors originating from its own internal systems, and offers no escalation process. This effectively blocks consumers from correcting known inaccuracies, in direct violation of the Fair Credit Reporting Act ( FCRA ), and reflects a deceptive and obstructive dispute-handling policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I am disputing the accuracy of a rental debt reported by Fair Collections & Outsourcing ( FCO ) that I believe was paid and is now being legally challenged. On XX/XX/XXXX, I submitted a physical check to XXXX XXXX XXXX XXXX for the full balance due at move out. The check was neither processed nor returned. At the time of move out and payment, I provided XXXX XXXX XXXX with my correct and updated contact information, including my new address and phone number. Despite this, FCO later reported the account to the credit bureaus without ever providing me with prior written notice or an opportunity to dispute the debt, in violation of 15 U.S.C. 1692g ( a ). When I contacted FCO, I was told they had been using outdated contact details, including an old phone number and address, none of which were valid. FCOs failure to reach me was a direct result of XXXX XXXX XXXX failure to update or communicate the accurate contact information I had already provided. I also discovered that the lease agreement I originally signed had been modified after my signature without my knowledge or consent. This undermines the legal basis of the lease terms that XXXX XXXX XXXX and FCO now claim are enforceable. I documented this and other issues in a written dispute to both FCO and the original creditor on XX/XX/XXXX. In addition, the debt is being contested due to multiple material breaches of the lease by the landlord, including two unauthorized and unlawful entries into my apartment, both of which were reported to the police. These breaches nullified my continued obligation under the lease and led to my decision to vacate. Despite all of this, the collection tradeline remains on my credit report, causing ongoing harm. This reporting is inaccurate, unsupported by proper validation, and is in direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting immediate removal of the collection account, written confirmation that it will not be re reported, and that FCOs compliance with FDCPA and FCRA obligations be reviewed and brought into alignment if necessary. I am uploading copies of my email communications with FCO and XXXX XXXX XXXX documenting my payment attempt, dispute notice, lease modification concern, and the failure to use or transmit my updated contact information prior to credit reporting.

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 2025-05-18 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: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving 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 explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
I was never properly served regarding this alleged debt, which appears to date back to 2019 or earlier. Despite no valid service and no notice, I recently discovered my wages were being garnished under a default judgment. I have disputed this debt formally, submitted a cease-and-desist letter, and filed with the XXXX. There has been no proper verification, no direct communication, and the collection is possibly time-barred under Washington law XXXX XXXX XXXXXXXX ). This debt is not acknowledged, and this action is being taken without due process. I am requesting the Consumer Financial Protection Bureau investigate this conduct and take regulatory action where applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I noticed that on my recent credit report, I have multiple fraudulent accounts that were opened without my knowledge. I 100 % have no ownership of these accounts. the accounts are, XXXX. XXXX that was opened on XX/XX/XXXX and closed on XX/XX/XXXX. There is no balance to be paid. Numerous of times I've tried to get this removed. XXXX XXXX XXXXXXXX that was reported on XX/XX/XXXX with an balance of XXXX. XXXX. XXXX XXXX XXXX that was reported on XX/XX/XXXX with an balance of XXXX. XXXX. Lvnv funding LLC that was opened on XX/XX/XXXX with an balance of XXXX and is currently opened with the original creditors name of XXXX XXXX XXXX XXXX XXXX I've never been associated with any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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:
ATTENTION : Consumer Financial Protection Bureau ( CFPB ) SUBJECT : Formal Dispute and Demand for Deletion of Fraudulent Records XXXX  XXXX XXXX To Whom It May Concern, I am submitting this formal dispute regarding a loan account currently reported by XXXX  XXXX XXXX and appearing on my consumer credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I hereby request the immediate deletion of this account from all internal records and consumer reporting agencies.

Upon reviewing my credit file, I have identified substantial concerns regarding the accuracy, completeness, and verifiability of the data associated with this account. Federal consumer protection law requires that all information furnished to consumer reporting agencies be accurate, complete, and fully substantiated. If XXXX XXXX XXXXXXXX is unable to provide comprehensive documentation validating the legitimacy of this accountincluding but not limited to original account agreements, a complete and unbroken transaction history, and an accurate calculation of any alleged outstanding balanceI demand that this record be deleted in its entirety and that all relevant credit bureaus be notified of its removal without delay. 

Please consider this letter a formal request for deletion under the FCRA and FDCPA. If XXXX XXXX XXXXXXXX can not fully validate the accuracy and legal enforceability of this account, they are required by law to remove it from all reporting. 

I request that the CFPB take all appropriate steps to ensure my consumer rights are protected and that XXXX XXXX XXXXXXXX reporting practices comply with all applicable federal statutes. 

Thank you for your prompt attention to this matter. 

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 2025-05-18 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to find I had been the victim of identity theft. I do not recognize these accounts please remove them from my credit report. 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 2025-05-18 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: GA

Complaint narrative:
Hello! I was wonderin if u could assist in gettin some items removd from my file. Everything I want remved can be found in the report. I have some idntity theft problems, and I sure didnt give it permission to make that charge. Itd be great if we can have those items remved from my credit report as soon as possible. I have already reported identity theft to the FTC, and I've attached copies of their Identity Theft Affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
Hello! I was wonderin if u could assist in gettin some items removd from my file. Everything I want remved can be found in the report. I have some idntity theft problems, and I sure didnt give it permission to make that charge. Itd be great if we can have those items remved from my credit report as soon as possible. I have already reported identity theft to the FTC, and I've attached copies of their Identity Theft Affidavit.

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