vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am a XXXX XXXX  XXXX Veteran. My sir name is incorrect, I am a XXXX, not a XXXX or a THIRD as it is on my Birth Certificate, California Real ID and my Military XXXX. I have a payment due as of XX/XX/scrub> 2025 for the amount of {$11000.00} & XXXX. I'm in the XXXX a lot and not able to XXXX  well so I don't get my mail often. I tried to tell them that this is not my debt but they did nothing, along with many other accounts on my credit reports. I do not owe this money still trying to figure it out how this happen to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XX/XX/year> DEBT VALIDATION AND CEASE AND DESIST IC SYSTEMS , INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX RE : XXXX XXXX and XXXX Dear IC Systems, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement SIGNED with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter. 


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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently requested to update my current address on my credit report and remove outdated addresses that are no longer relevant. The credit bureaus have failed to update this information accurately. This has caused issues with my credit applications and personal records. I am requesting that my correct address be added and the outdated ones be removed as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This statement is in reference to notifications received regarding a prior debt that was previously addressed and canceled due to confirmed identity theft and fraud nearly three years ago. The debt was investigated and marked as a closed case at that time. 

However, recent communication from Midland company suggests that a new debt may have been acquired under this account. I am requesting verification of this matter, as it appears that XXXX XXXX may have sold the debt, despite the case being closed and resolved due to fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-25 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
I have been on SAVE Forbearance with 0 % interest, however, during this time, I have been charged {$500.00} in interest despite my account showing 0 % interest and in SAVE Forbearance. Mohela has not answered complaints to reverse unjust interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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 non-monetary relief
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
I am disputing a debt in the amount of {$140.00} allegedly owed to XXXX XXXX and being collected by Aldous & Associates. On XX/XX/XXXX, I sent Aldous a written debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), asking for a full itemized breakdown of the debt, the contractual basis for the amount claimed, and documentation of payment history. 

On XX/XX/XXXX, Aldous responded with a copy of a generic membership agreement dated XX/XX/XXXX, but failed to provide a billing ledger, itemized charges, or evidence showing how the {$140.00} balance was calculated. They also did not demonstrate that I owed this amount at the time the debt was assigned. 

Despite the failure to provide adequate validation, Aldous continues to report this account to XXXX as a collection item, which is negatively impacting my credit. This is a violation of the FDCPA, which requires that collection activity cease if a consumer disputes a debt and the collector has not validated it. Aldous has also not demonstrated that it has the legal right to collect in the state of Illinois or on behalf of a XXXX XXXX. 

I am now escalating this matter due to Aldouss failure to comply with federal debt collection requirements and its ongoing credit reporting of an unvalidated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: IL

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX {$300.00} # XXXX opened XXXX, XXXX XXXX XXXX XXXXXXXX {$360.00} # XXXX opened XXXX, XXXX {$7800.00} # XXXX opened XXXX, XXXX XXXX {$9400.00} XXXX XXXX opened XXXX, XXXX XXXX {$34000.00} # XXXX opened XXXX .These accounts have resulted in a fraudulent accounts appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against Credit Reporting Agency TransUnion What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX. XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : 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, account have resulted in an account 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 item. 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 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 credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-03-25 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-03-25 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: MI

Complaint narrative:
To Whom It May Concern, I recently obtained a copy of my credit report and discovered that your organization has been furnishing inaccurate and unauthorized accounts on my consumer report. I demand that the following accounts be immediately deleted from my credit file : Accounts in Question : DEPT OF EDUCATION/XXXX Account Numbers : XXXX Violations Committed Under Federal Law : Your continued reporting of these accounts is in direct violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. XXXX XXXX XXXX ), which governs the accuracy and fairness of credit reporting. Below are the specific violations : Violation of 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) Data furnishers are required to report only accurate information. Since these accounts are inaccurately placed on my credit report, you are in violation of this law. 

Violation of 15 U.S.C. XXXX ( b ) Upon receiving a dispute from a consumer, data furnishers must conduct a proper investigation. Given that you continue to report inaccurate information, it is evident that no such investigation has been conducted or has been done negligently. 

Violation of 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ) Credit reporting agencies must delete disputed information if it can not be verified within the prescribed timeframe. Since the accuracy of these accounts can not be verified, they must be permanently removed. 

Violation of 15 U.S.C. XXXX and XXXX Any willful or negligent failure to comply with the FCRA makes your organization liable for damages, legal fees, and statutory penalties. 

Demand for Immediate Action : I demand that you delete these accounts from my consumer report immediately and provide me with written confirmation of this deletion within XXXX  days of receiving this letter. Failure to comply will result in legal action, including but not limited to, a lawsuit for willful noncompliance with the FCRA, where I will seek damages, attorney fees, and injunctive relief. 

Additionally, be advised that any continued inaccurate reporting or failure to act promptly will be documented and submitted as evidence to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I expect swift resolution of this matter and trust that you will act in accordance with federal law. You are not authorized to reinsert these accounts after their deletion under 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ), unless you notify me in writing with proof of verification. 

This letter serves as formal notice under the FCRA and any failure to comply will result in immediate legal recourse

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 2025-03-25 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:
To Whom It May Concern, I recently obtained a copy of my credit report and discovered that your organization has been furnishing inaccurate and unauthorized accounts on my consumer report. I demand that the following accounts be immediately deleted from my credit file : Accounts in Question : DEPT OF EDUCATION/XXXX Account Numbers : XXXX Violations Committed Under Federal Law : Your continued reporting of these accounts is in direct violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. XXXX XXXX XXXX ), which governs the accuracy and fairness of credit reporting. Below are the specific violations : Violation of 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) Data furnishers are required to report only accurate information. Since these accounts are inaccurately placed on my credit report, you are in violation of this law. 

Violation of 15 U.S.C. XXXX ( b ) Upon receiving a dispute from a consumer, data furnishers must conduct a proper investigation. Given that you continue to report inaccurate information, it is evident that no such investigation has been conducted or has been done negligently. 

Violation of 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ) Credit reporting agencies must delete disputed information if it can not be verified within the prescribed timeframe. Since the accuracy of these accounts can not be verified, they must be permanently removed. 

Violation of 15 U.S.C. XXXX and XXXX Any willful or negligent failure to comply with the FCRA makes your organization liable for damages, legal fees, and statutory penalties. 

Demand for Immediate Action : I demand that you delete these accounts from my consumer report immediately and provide me with written confirmation of this deletion within XXXX  days of receiving this letter. Failure to comply will result in legal action, including but not limited to, a lawsuit for willful noncompliance with the FCRA, where I will seek damages, attorney fees, and injunctive relief. 

Additionally, be advised that any continued inaccurate reporting or failure to act promptly will be documented and submitted as evidence to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I expect swift resolution of this matter and trust that you will act in accordance with federal law. You are not authorized to reinsert these accounts after their deletion under 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ), unless you notify me in writing with proof of verification. 

This letter serves as formal notice under the FCRA and any failure to comply will result in immediate legal recourse

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with non-monetary relief