vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
Identity Theft Affidavit and Cease & Desist / Lawsuit Notice To Whom It May Concern, I, XXXX XXXX XXXX, am a lawful consumer under the protections of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ). I am hereby submitting a formal cease and desist demand and notifying you of potential legal action.

I have made ten ( 10 ) prior dispute attempts to have fraudulent and unauthorized collection accounts removed from my credit report. I am a verified victim of identity theft.

Specifically, I am demanding the immediate and permanent deletion of the following accounts reported by LVNV Funding LLC, which are inaccurate and fraudulent : LVNV Funding LLC {$800.00} ( Reported : XX/XX/XXXX XXXX ) LVNV Funding LLC {$150.00} ( Reported : XX/XX/XXXXXXXX XXXX These accounts do not belong to me, and I did not authorize or consent to these debts. Their presence on my credit file is causing harm to my financial reputation, and their repeated reappearance despite previous disputes constitutes willful noncompliance and harassment under federal law. 


-- - FINAL WARNING AND LEGAL DEMAND : Let this serve as your legal notice that you are to immediately and permanently cease all reporting, sharing, collecting, or verifying of these accounts. Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of any disputed information and delete unverifiable, inaccurate, or fraudulent entries within 30 days.

In addition, you are hereby instructed to notify the following credit reporting agencies immediately and confirm with me in writing that the fraudulent entries have been removed : XXXX XXXX XXXX  These credit bureaus are also required to delete these accounts from my file under the FCRA. You must provide written confirmation to me once deletion has been completed and ensure no further reporting occurs. 

You are now on final notice : I will be filing a lawsuit against your institution and/or the original creditor for violations of federal consumer protection laws.

I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office.

This letter serves as a formal cease and desist under the FDCPA. You are prohibited from further contact, collection efforts, or credit reporting of these accounts.

Failure to comply will result in civil and statutory penalties, and I will pursue all legal remedies available under the law. 


-- - Signatory Information XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under the fare credit ACT, Unfortunately Transunion is reporting unverified negative accounts and my credit report. I file disputes true the cfpb about Transunion and ask Transunion to show me how they verify these accounts, i think it is my personal credit so i have all rights to see how they verify these accounts. If Transunion dont removed these negative accounts of my credit report i will see them in court and Im not going to settle it, we are going straight to trial and this is not a joke. Because I have proof from XXXX because XXXX removed all accounts because XXXX  couldnt verify these accounts. 
XXXX XXXX open. 
XXXX XXXXXXXX open XXXX XXXXXXXX. Open XXXX. XXXX open

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 2025-05-31 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: MD

Complaint narrative:
Recently i look at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account i am asking you to verify as accurate : Account Name : XXXX XXXX Account numberXXXXXXXX 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 2025-05-31 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: MD

Complaint narrative:
Recently i look at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account i am asking you to verify as accurate : Account Name : XXXX XXXX Account numberXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Overland Bond & Investment Corporation
State: IL

Complaint narrative:
In XXXX, I took out an auto loan through OVERLND BOND with a highest balance of {$23000.00}. I made regular payments of {$500.00} until early XXXX, paying off over XXXX  % of the loan. Due to the XXXX pandemic, I experienced financial hardship and could no longer maintain payments. The vehicle was repossessed in XXXX, and the account was closed on XX/XX/XXXX. 

Despite this, the account still shows a balance of {$8700.00} and is negatively impacting my credit report. It was last reported in XX/XX/XXXX and hasnt been updated since. I have not received a breakdown of the final balance, nor proof of sale or valuation of the repossessed vehicle. This appears to be misreported and incomplete. 

I paid over {$14000.00} toward this auto loan before falling behind in XXXX due to COVID-related financial hardship.I contacted the company seeking clarification and resolution, but received no assistance. I was either given no clear answers or directed in circles. I feel this is unfair and damaging to my credit. Theyve shown no willingness to cooperate or correct the issue despite my efforts.

Im requesting the CFPBs help in investigating this matter and either correcting the reporting or removing it entirely, as the current status is inaccurate and harmful. Under the CARES Act and general credit reporting guidelines, lenders were expected to report accurately and offer relief during XXXX hardships. Im requesting an investigation into this accounts reporting and a correction or removal if the reporting can not be verified or is in error. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: PA

Complaint narrative:
I purchased an item from XXXX using the company Klarna. XXXX I reported months again but now XXXX reporting Klarna, I have been a great customer with both but was scam by XXXX and Klarna. Klarna took their side on my return even though I sent them all my information, XXXX has been scamming their customers but Klarna is not for their customers, I guess big companies stick together. Klarna is trying to make me pay for the item XXXX sent damaged. I will not pay because I did nothing wrong, SSENSE did. They are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: LA

Complaint narrative:
Failed to remove or correct multiple inaccurate and unverifiable accounts after a formal written dispute was submitted. These include charge-offs, collections, and duplicate accounts with no proof of verification. Inquiries were also not validated or removed. This violates FCRA 609 and 611.

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 2025-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX I am contacting you regarding a late payment reported on my Kikoff account for the month of XX/XX/year>. I am disputing the accuracy and legality of this negative information being furnished to consumer reporting agencies.

According to 15 U.S. Code 1681s2 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), any entity furnishing negative information about a consumer to a consumer reporting agency is legally required to notify the consumer in writing no later than 30 days after such information has been reported for the first time. 

To the best of my knowledge, I was never provided such a notice from Kikoff regarding the reporting of this late payment. If this was the first instance of negative reporting on my account which appears to be the case your failure to notify me in a timely manner represents a violation of your responsibilities under federal law.

I therefore formally request the following : 1. A copy of the written notice that should have been sent to me in accordance with 15 U.S.C. 1681s2 ( a ) ( 7 ) ; 2. If you can not provide this notice, I respectfully demand that the XX/XX/year> late payment be removed from my credit reports immediately ; 3. Written confirmation of the outcome of your investigation within 30 days, as required by the FCRA 623 ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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 filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit XXXX to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX/XXXX/2023

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 2025-05-31 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 am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit XXXX to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX/XXXX/2023

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 2025-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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 non-monetary relief
Consumer complaint received 2025-05-31 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-05-31 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-31 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: TN

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ), this complaint addresses severe violations related to data breaches and inaccurate credit reporting. Under section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting that the following compromised accounts be immediately blocked and deleted from all credit bureaus within four business days : XX/XX/XXXX, balance {$8300.00} XX/XX/XXXX balance {$4200.00} XX/XX/XXXXXX/XX/XXXXhigh balance {$20000.00} My personal information has been severely compromised, resulting in substantial harm and risk of identity theft. Immediate compliance with this request is required to mitigate ongoing damages. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: TN

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ), this complaint addresses severe violations related to data breaches and inaccurate credit reporting. Under section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting that the following compromised accounts be immediately blocked and deleted from all credit bureaus within four business days : XX/XX/XXXX, balance {$8300.00} XX/XX/XXXX balance {$4200.00} XX/XX/XXXXXX/XX/XXXXhigh balance {$20000.00} My personal information has been severely compromised, resulting in substantial harm and risk of identity theft. Immediate compliance with this request is required to mitigate ongoing damages. 

Thank you for your prompt attention to this urgent 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
m filing a complaint against XXXX XXXX XXXXr and XXXX XXXX regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with attempts to collect on a debt governed by an arbitration clause. The original contract, which was originated by XXXX XXXX, includes an arbitration clause that requires any disputes related to the debt to be resolved through arbitration, not through traditional debt collection methods. Despite this, XXXX XXXX  acting on behalf of XXXX XXXX  has continued to pursue collection efforts without adhering to the terms of the arbitration agreement. 
In addition to failing to respect the arbitration clause, So now lets go to the cfpb has also violated the FDCPA by failing to properly verify the debt in accordance with 15 USC 1692g. The FDCPA mandates that debt collectors provide adequate verification of the debt within five days of their initial communication. XXXX XXXX has not provided proper verification or the necessary documentation to comply with the debt validation requirements outlined in the FDCPA. 
As such, XXXX XXXX has violated my consumer rights by continuing collection efforts despite the debt being subject to arbitration, and by failing to verify the debt as required under 15 USC 1692g.

These actions mirror violations identified in previous case law. For example, in Parker v. Radius Global Solutions, LLC ( No. 17-12672, 11th Cir. 2018 ), the court ruled that XXXX XXXX violated the FDCPA by continuing collection efforts without providing proper debt verification. 
Similarly, in Gonzalez v. Radius Global Solutions ( No. 16-16625, 9th Cir.

2017 ), the court found that XXXXXXXX XXXX failed to provide the proper documentation necessary for debt verification under the FDCPA. 
I request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX XXXX  cease all collection efforts until they properly verify the debt and adhere to the arbitration clause outlined in the original contract that was originated by XXXX XXXX. I further request that XXXX XXXX be held accountable for their violations of consumer protection laws under the FDCPA, and that XXXX XXXX be investigated for their failure to ensure compliance with the arbitration provision in their agreement 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