vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX XXXX : XX/XX/XXXX Phone : XXXX Date : XX/XX/XXXX To : LVNV Funding LLC XXXX XXXXXXXX XXXX XXXX, SC XXXX RE : FORMAL DISPUTE & LEGAL DEMAND FOR VALIDATION Account # XXXX | Amount : {$1600.00} To Whom It May Concern, This letter is a formal dispute of the alleged debt reported under the account listed above and a demand for full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2.

I do not acknowledge or accept any legal responsibility for this alleged debt, and I am asserting my rights under federal law to dispute the accuracy, validity, and ownership of this account. As of this date, this account is considered in dispute and must not be verified or reported without full validation.

YOU ARE HEREBY REQUIRED TO PROVIDE : A copy of the original signed contract or agreement establishing my obligation to this debt.

A full itemized breakdown of the balance being claimed, including all fees, interest, and charges.

Complete documentation of the chain of assignment and legal ownership from the original creditor to LVNV Funding LLC.

Proof that you are licensed and legally authorized to collect debts in the state of Illinois.

A copy of your companys privacy policy outlining how you obtained and used my private data.

LEGAL GROUNDS FOR THIS DEMAND : You are now formally notified under 15 U.S.C. 1692g ( b ) that all collection efforts must cease until proper legal validation has been provided.

If you continue to report this account without full validation, you are in violation of 15 U.S.C. 1681s-2 ( b ), which prohibits the furnishing of inaccurate or unverified information.

Be advised : Any investigation relying on automated systems like e-OSCAR does not meet the standard of a lawful, independent investigation as required under the FCRA.

Furthermore, I assert my rights under UCC 1-308, reserving all rights and protections afforded to me under federal contract law.

FORMAL DEMAND FOR ACTION : Immediately delete this account from all credit bureaus ( XXXX XXXX XXXX  and XXXX ) Cease and desist all collection activity related to this account Provide written validation within 15 calendar days Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office. I will also initiate civil legal action to seek compensation for damages caused by your illegal reporting practices. 

You are now on legal notice. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Servicing Solutions, LLC
State: NJ

Complaint narrative:
Complaint Summary to CFPB ( Condensed for Submission Body ) : I am filing a complaint regarding a XXXX XXXX XXXX account ( Acct ending in XXXX ), which was originally issued to my business, XXXX XXXX XXXX. This account was strictly a business credit line with an approximate limit of {$25000.00} and was never intended to report to personal credit bureaus. I applied with the explicit assurance that it would report only to commercial credit agencies and not to consumer bureaus like XXXX. 

In late XXXX, the issuing institution ceased operations, and the account was transferred to Servicing Solutions , LLC ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ), per a letter dated XX/XX/XXXX, which stated that all credit terms would remain unchanged. Despite this, Servicing Solutions has begun reporting the account to my personal XXXX  credit file without my consent or any valid contractual basis. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which prohibits furnishing inaccurate or misleading information to consumer reporting agencies. 

Additionally : I no longer have access to the account, and it is inactive. 
I was previously offered a hardship interest rate of XXXX  %. Without notice or justification, the new servicer is charging XXXX  % interest, adding significant financial burdenabout {$290.00} per month in interest on a {$520.00} minimum payment. 
I have received no communication, account statements, or access to account management tools since the transition. 
I sent a formal dispute to XXXX over 30 days ago, yet the tradeline remains and continues to damage my personal credit. 

I am requesting : 1. Immediate removal of this account from my personal credit reports ( XXXX  and others ).

2. A copy of my original business credit agreement from XXXX, showing the reporting and interest rate terms.

3. A rate correction to reflect the original XXXX  % hardship arrangement.

4. Compliance with the FCRA and the Credit CARD Act of XXXX, which requires transparency, fair terms, and responsiveness to hardship circumstances. 

Failure to act appropriately has resulted in both credit harm and emotional distress. I am seeking CFPB intervention to correct these abuses and to ensure compliance with federal consumer protection laws. 



Would you like me to export this as a XXXX or Word document for recordkeeping, or would you prefer it only for direct CFPB submission through their online portal?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-07-10 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: CA

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 2025-07-10 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: CA

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 non-monetary relief
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2025-07-10 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: OK

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-07-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
XXXX previous case. 

IQ Data refuses to send the proof and information that I am asking for.

After contact and going to the physical location XXXX XXXX XXXX, there are no records and proof of old debt with them. 

I have asked XXXX XXXX repeatedly to supply proof that IQ has signed agreements for me regarding this.

Since, the illegal filing of IQ data .. my finances and credit score has significantly suffered which has hindered the progress pursing business and the purchase of a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
The issue at hand is the reporting of 30-day late payments by XXXX  and XXXX  for the months of XXXX, XXXX, and XX/XX/XXXX. This information is factually inaccurate, as : TransUnion reflects a clean and " OK '' payment history for all months. 

The account itself was not opened until XX/XX/XXXX, making any negative payment history before that date impossible. 

My payment history since opening the account has been on time, and my current balance reflects an active and compliant account status. 

Under the Fair Credit Reporting Act ( FCRA ) : 1681i ( a ) ( 5 ) mandates that any information that can not be verified or is inaccurate must be promptly deleted or corrected. 

1681s-2 ( b ) requires the furnisher of the data ( in this case, XXXX XXXX XXXX to investigate and correct any false reporting when notified of a dispute. 

Continuing to report this clearly false information after notification may constitute willful noncompliance, which is subject to civil liability under 1681n and 1681o of the FCRA. 

I am requesting the immediate deletion of the reported late payments for XXXX, XXXX, and XX/XX/XXXX from both XXXX  and XXXX, and a written confirmation that my credit file has been corrected accordingly. 

Failure to resolve this matter may result in additional complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and legal action as permitted under the FCRA. 

Sincerely, 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 2025-07-10 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: SC

Complaint narrative:
I am a victim of identity theft. XXXX accounts were added to my credit file without my authorization or consent. XXXX is an XXXX authorized user account, and the other is a XXXX XXXX XXXX XXXX joint account. I never applied for, used, or benefited from these accounts. 

I submitted an FTC Identity Theft Report, a notarized affidavit of identity theft, a copy of my ID, and proof of address to the credit bureaus under FCRA 605B, which legally requires the accounts to be blocked within XXXX business days. Despite this, the accounts have not been removed. These accounts are harming my credit report and were added without my permission.

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Product/Service : Bank account or service Business Checking Company : JPMorgan Chase Bank I am submitting this complaint regarding multiple disputed transactions on my business checking account ending in XXXX. Despite submitting all relevant information to Chaseincluding documentation, correspondence, and transaction detailsthey repeatedly declined my claim and advised me to resolve the matter directly with the merchant.

I have maintained personal banking accounts with Chase for over 10 years without issue, and this unexpected denial undermines the trust Ive placed in them. The disputed amount exceeds {$4500.00} and reflects serious financial harm to my business.

I have followed Chases procedures in good faith and provided all requested documentation, yet no meaningful investigation or resolution occurred. I am requesting CFPBs assistance in prompting Chase to review and honor this claim properly.

This complaint is submitted in good faith and with the expectation of a fair and transparent review process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-10 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
Formal Correction Request Account : XXXX XXXX XXXX XXXX XXXX  ( FCRA 1681i & 1681s-2 ) XXXX XXXX To whom it may concern, I am writing to demand the immediate correction and removal of a false late payment reported under the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  allegedly from the year XXXX. 

This dispute has already been addressed through your process, but the outcome is inaccurate and unacceptable. There was no late payment, and the reporting of such is in direct violation of the Fair Credit Reporting Act ( FCRA ).

Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ), if information can not be verified, or is confirmed to be inaccurate, it must be promptly deleted from the consumer 's credit file. Moreover, under 1681s-2 ( b ), the furnisher of information is legally obligated to correct or remove data found to be incorrect or unverifiable. 

At this point, I am not requesting another reinvestigation I am demanding that you fulfill your legal obligation to correct my file and eliminate this false derogatory mark. Continuing to report this incorrect information, despite prior notice, may be considered willful noncompliance, which carries consequences under FCRA 1681n and 1681o, including statutory damages and legal liability. 

Please provide written confirmation that the inaccurate information has been removed from my credit report. I also request disclosure of the name, address, and telephone number of the furnisher responsible for reporting this error. 

Sincerely, XXXXXXXX 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 2025-07-10 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: NC

Complaint narrative:
This letter serves as my final dispute and demand for immediate deletion of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account that is being reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and related federal laws. 

I have previously disputed this account and demanded verifiable proof, including a signed contract or written authorization bearing my signature, a copy of the 1099-C Cancellation IRS tax form, and a copy of the payment agreement that legally permits Cherry Technologies XXXX XXXX XXXX XXXX XXXX XXXX report this account to the credit bureaus or to collect on it. To date, no such documentation has been provided by your company or the credit bureaus. 

This account is related to XXXX services, which makes the disclosure and reporting of this account a direct violation of my rights under the Health Insurance Portability and Accountability Act ( XXXX ), since no signed XXXX authorization XXXX was provided by your company granting permission to report this account or to disclose any of my protected health information ( XXXX ). 

Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not licensed or bonded to collect debts in the State of North Carolina, which is a requirement for debt XXXX operating in this state under XXXX XXXX XXXX and North Carolina Department XXXX XXXX regulations. XXXX XXXX XXXX ( XXXX ID XXXX ), is not licensed to collect debt in North Carolina, making their credit reporting activity unlawful under XXXX XXXX XXXX. XXXX. 

Due to several reasons stated above, this account must be immediately deleted from Equifax, Experian, and TransUnion credit reports, cease all further collection efforts related to this account, and provide written confirmation of deletion within 15 days of receipt of this letter. 

Failure to comply with this request XXXX result in me pursuing legal remedies under the FCRA ( 15 U.S.C. 1681 et seq. ), XXXX Privacy Rules, and North Carolina debt collection laws. 
This letter also serves as notice that any continued reporting or collection on this account without proper validation, licensure, and XXXX authorization may result in complaints to the Consumer Financial Protection Bureau ( CFPB ), North Carolina Attorney Generals Office, and the U.S. Department of Health and Human Services ( HHS ).

As required under the FCRA, you must reinvestigate this dispute, block this account from appearing on my credit reports if the furnisher fails to provide lawful verification, and provide me written results of your reinvestigation. 

I hereby request that this account be fully deleted from my credit file across all agencies and that XXXX XXXX XXXX XXXX XXXX XXXX XXXX immediately terminate all reporting and collection activities on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), if a credit reporting agency or data furnisher can not verify the accuracy of disputed information within the required timeframe, they are legally obligated to delete it. Since more than 60 days have passed without verification, this item must be removed from my credit report as it is now considered unverifiable 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 explanation