vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX LVNV FUNDING LLC/Resurgent Capital Services Account XXXX To Whom it may concern This letter is a formal follow up regarding my dispute of the above referenced account. 
I initially acknowledged receipt of a billing statement, however, that alone doesn't constitute sufficient validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S Code 1692 g ( b ). As such, the dispute remains open and unresolved. To fully validate this alleged debt, I respectfully request the following documentation : 1.A complete chain of assignment, including all transfer and sale agreements showing ownership from the original creditor to LVNV Funding LLC/Resurgent Capital Services , demonstrating your legal rights to collect on this account.

2.A copy of the purchase agreement or Bill of sale authorizing LVNV/Resurgent to collect this debt 3.A copy of the original signed agreement or contract that created the alleged debt detailing the terms and conditions. 

As provided by Federal law, I request that collection efforts be suspended until this information is provided. Please also ensure that no further crediting is made regarding this account during the pendency of this dispute, in accordance with 15 U S C 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U S.C 1681s-2.

Failure to provide this information may be considered a violation of the FDCPA and could be reported to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. Please send your full response in writing to the address issued above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I am writing to formally dispute the unauthorized reinsertion of accounts previously deleted from my credit report. This action violates the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) and Metro 2 compliance guidelines. The accounts in question are :. 
DEPT OF ED/XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1100.00} DEPT OF ED/XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2000.00} These accounts were previously investigated and deleted due to my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 USC 1681 et seq. , specifically 609 ( a ) and 605B, I am requesting the immediate blocking and permanent deletion of the following fraudulent accounts from my credit file, yet they have reappeared on my consumer file without proper notification or compliance with FCRA requirements.

Violations include : No notification of reinsertion ( FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) ).

609 ( a ) and 609 ( b ) No certification of accuracy from the furnisher before reinsertion ( FCRA 611 ( a ) ( 5 ) ( B ) ( i ) ). 
Inaccurate reporting of XXXXXXXX XXXX XXXXXXXX ( Closed with balance ), violating 15 U.S.C. 1681e ( b ).

Failure to maintain reasonable procedures for maximum accuracy ( FCRA 607 ( b ) ).

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-05-16 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:
I RECENTLY REVIEW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY 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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and Im contacting you regarding an issue with my Chex Systems report. Ive noticed an inaccuracy concerning bank records. I would appreciate it if you could investigate this matter and correct any errors. Its been affecting my credit and my personal capacity to open an account. Your failure to positively verify this account hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.

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 2025-05-16 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: Global Lending Services LLC
State: TX

Complaint narrative:
Upon reviewing my XXXX  credit report dated XX/XX/XXXX, I noticed multiple hard inquiries that I did not authorize or do not recognize. Specifically, several inquiries were made on XX/XX/XXXX, from companies I have no record of applying for credit with, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, other inquiries such as those from XXXX XXXX ( XXXX XXXX ) XXXX XXXX, and XXXX XXXX on earlier dates ( e.g., XX/XX/XXXX and XX/XX/XXXX ) were also not initiated by me. 

To my knowledge, I only applied for credit with a select few institutions during this time and believe the number and timing of these inquiries may indicate either : Unauthorized credit pulls, Improper handling of my application by dealerships or finance companies who shared my information without consent. 

These inquiries are negatively affecting my credit score and were not all authorized.

Requested action : Please investigate and remove any unauthorized or incorrect hard inquiries from my report. I request verification of each companys authorization and proof of my consent for the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
I am writing to dispute the inaccurate reporting of the account XXXX XXXX  XXXX. with number XXXX * * * * * * * * * * on my credit report. According to your records, the account is listed as CollectionOrChargeOff, opened on XXXX, with the date of last activity shown as XXXX, and last verified on XXXX. This information is incorrect, and I demand that this account be deleted from my credit report. 
The Fair Credit Reporting Act, under 15 U.S.C. 1681s-2, mandates that credit reporting agencies maintain accurate information. Therefore, I request that you provide the documentation and verification used to confirm this accounts accuracy, as well as proof of the {$18000.00}, which I dispute. 
The need for accurate reporting is clearly outlined in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where the court held that credit reporting agencies are responsible for ensuring the accuracy of consumer reports and must correct or delete inaccurate information promptly. 
Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that a failure to maintain accurate information constitutes a breach of duty, further emphasizing the responsibility of credit agencies to act on disputes raised by consumers. 
Given these precedents, I expect Credit Bureaus to take immediate corrective action.I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance.correct, complete, and timely manner as to not violate my consumer and civil rights. 
Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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 writing to dispute the inaccurate reporting of the account XXXX XXXX  XXXX. with number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. According to your records, the account is listed as CollectionOrChargeOff, opened on XXXX, with the date of last activity shown as XXXX, and last verified on XXXX. This information is incorrect, and I demand that this account be deleted from my credit report. 
The Fair Credit Reporting Act, under 15 U.S.C. 1681s-2, mandates that credit reporting agencies maintain accurate information. Therefore, I request that you provide the documentation and verification used to confirm this accounts accuracy, as well as proof of the {$18000.00}, which I dispute. 
The need for accurate reporting is clearly outlined in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where the court held that credit reporting agencies are responsible for ensuring the accuracy of consumer reports and must correct or delete inaccurate information promptly. 
Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that a failure to maintain accurate information constitutes a breach of duty, further emphasizing the responsibility of credit agencies to act on disputes raised by consumers. 
Given these precedents, I expect Credit Bureaus to take immediate corrective action.I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance.correct, complete, and timely manner as to not violate my consumer and civil rights. 
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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tenaglia & Hunt, PA
State: NY

Complaint narrative:
On or around XX/XX/XXXX, I disputed the accuracy and completeness of the reported account with XXXX XXXX XXXX XXXX Unfortunately, we received the re-investigation results dated XX/XX/XXXX, which indicated that your company " verified '' the account. 

We believe this verification violates the Fair Credit Reporting Act, as it lacks proper account-level documentation. According to the FCRA, information that can not be verified must be deleted. This violation has caused harm to me. 

The FCRA section 1681s-2 ( b ) outlines three possible outcomes for a re-investigation : accuracy verification, determination of inaccuracy or incompleteness, or determination that the information " can not be verified '' ( refer to 15 USC 1681s-2 ( b ) ( 1 ) ( E ) ).

Verification requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I am formally requesting the removal of fraudulent information from your credit report due to identity theft. The report includes unauthorized accounts and inquiries that do not belong to me. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am asking for these items to be blocked and removed. Ive attached a list of disputed items and an FTC Identity Theft Report. I also request a prompt investigation and written confirmation once the corrections are completed.

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 2025-05-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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
Consumer complaint received 2025-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I discovered a Capital One credit card account on my credit report that I do not recognize or recall opening. The account reflects a significant balance, multiple missed payments, and is over 120 days delinquent. However, I have never received a card, login access, billing statements, or communications from Capital One regarding this account. 
I submitted a formal FTC Identity Theft Report and reviewed all three credit reports. Multiple accounts and inquiries appear to have been added to my credit file without my knowledge or authorization, possibly due to an error or misuse of my personal information. 

I filed disputes with XXXX XXXX XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), Section 605B, and requested that Capital One provide documentation verifying that I opened or authorized this account. I have not received any such documentation to date. 

I am requesting the removal of this account from my credit reports. I should not be held responsible for a credit card I did not authorize. I have attached my FTC Identity Theft Report and supporting ID documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I have made several attempts to contact XXXX and XXXX  within the last month and a half calling over the phone being hung up on by multiple agents as well as not being provided the documents in which I requested for them to verify the accounts that are clearly related to fraud they have been really negligent and even not wanting to answer my questions and keep prompting me to send mail that they either say they don't receive or not adequate, I have come to realization that their goal is not to help me and remedying this situation Today XX/XX/2025 I have constructed a new FTC report with the listed accounts with my clear communication to both XXXX XXXX and XXXX  I have submitted them online and mailing them overnight tomorrow I hope to remedy this situation immediately it's been long enough

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I have made several attempts to contact XXXX XXXX XXXX  within the last month and a half calling over the phone being hung up on by multiple agents as well as not being provided the documents in which I requested for them to verify the accounts that are clearly related to fraud they have been really negligent and even not wanting to answer my questions and keep prompting me to send mail that they either say they don't receive or not adequate, I have come to realization that their goal is not to help me and remedying this situation Today XX/XX/year> I have constructed a new FTC report with the listed accounts with my clear communication to both XXXX XXXXXXXX XXXX XXXX  I have submitted them online and mailing them overnight tomorrow I hope to remedy this situation immediately it's been long enough

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made several attempts to contact Transunion and XXXX  within the last month and a half calling over the phone being hung up on by multiple agents as well as not being provided the documents in which I requested for them to verify the accounts that are clearly related to fraud they have been really negligent and even not wanting to answer my questions and keep prompting me to send mail that they either say they don't receive or not adequate, I have come to realization that their goal is not to help me and remedying this situation Today XX/XX/scrub> 2025 I have constructed a new FTC report with the listed accounts with my clear communication to both Trans Union and XXXX I have submitted them online and mailing them overnight tomorrow I hope to remedy this situation immediately it's been long enough

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