vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
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 them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: DE

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
Unauthorized or unverifiable inquiries are reporting on my credit file. I disputed with all three credit bureaus, but they failed to provide proof of permissible purpose or remove the inquiries.

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 2025-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX. I spoke to XXXX XXXX at IC Systems Inc. rep # XXXX who was attempting to collect a debt for an account at XXXX XXXX XXXX. I asked XXXX a few details about the account and then I asked her if she could send me something in writing with that information. She said I would receive something. I never received anything. I got a notification on XX/XX/XXXXXXXX  Through XXXX  credit reporting app that There was a collection placed on my credit from this company. When I called and spoke to another representative XXXX XXXX XXXX XXXX I explained to him the situation and what I requested from the last representative and that I didnt receive anything in the mail. He then told me that there was an email sent out to me. I let him know that I did not receive an email and that I dont think that email is the best way for you to send something to someone because things go to spam and junk folders all the time. I asked if he could remove the derogatory mark from my credit and send me a formal letter to my address to give me time to look it over and verify the details and make sure everything looked OK if I needed to disputed, I could disputed and if everything looked Accurate then I would pay it. He said he could not. I called back and spoke to another representative and Supervisor who told me that they could not do this even though I told them that this appears to be an infringement on my rights as a consumer, I did not say I would not pay it if it was mine if the details looked accurate and everything is fine I just asked them to be able to look it over and make sure they are legitimate company. This is the right amount that this is my dad, those things of that nature which are due to me. I was then told that they will send a letter out to me today, but they will not. I can not remove the report. I was not giving my right to dispute the debt nor told that I could dispute the debt.

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 2025-03-04 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
In XXXX XXXX, I noticed a fraudulent charge of {$340.00} on my credit card account. I immediately disputed the charge with Milestone, explaining that I did not authorize the transaction. However, my dispute was denied. The bank stated that the merchant provided paperwork and ID claiming the charge was valid, but I was never shown this evidence or given a proper explanation. 

Since then, the bank has continued reporting late payments on this account, severely damaging my credit. I have repeatedly tried to resolve this issue, but the bank refuses to remove the charge or the late payments. I requested documentation proving that I authorized the transaction, but they have not provided anything directly to me. 

I am asking for a full review of my dispute, removal of the fraudulent charge and late fees, and correction of my credit report to remove the negative reporting associated with this issue. 

Let me know if you want to adjust anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Name : XXXX XXXX XXXX Address : XXXX XXXX, XXXX, Michigan  XXXX Phone : XXXX Email : XXXX Company Information : Company Name : American Express Company Address : XXXX XXXX XXXXXXXX XXXX XXXX NY XXXXXXXX Phone : XXXX Complaint Details : 1. Summary of Issue : American Express has refused to update my account records despite my submission of valid legal documents, including a Durable Power of Attorney, Security Agreements, and Financial Statements. 

I have made multiple requests to American Express to update my account information, but they have failed to act or provide any valid reason for their refusal. 
2. What Happened : On [ Date of Submission ], I sent American Express the necessary documents to update my accounts. These documents included : accounts ) Durable Power of Attorney ( which grants me legal authority to manage my Security Agreements ( establishing my financial rights ) Financial Statements ( confirming my financial position ) American Express failed to process the updates and has continued to deny my requests. 

I contacted American Express via phone and written correspondence to resolve the issue, but they ignored my requests or refused to comply. 

Their refusal to update my records has caused financial harm, including restricted access to my accounts and potential damage to my credit report. 
3. Laws Violated : American Expresss actions may constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires financial institutions to report accurate information and correct errors. 

They may also be in breach of their contractual obligations under federal consumer protection laws.

4. Resolution Sought : I request that the CFPB investigate American Express for their failure to process my account updates properly. 

I demand that American Express immediately update my account records in accordance with the provided legal documents. 

to comply. 
If necessary, I seek compensation for any financial harm caused by their refusal Supporting Documents : ( Attach copies of the Durable Power of Attorney, Security Agreements, Financial Statements, and any correspondence with American Express. ) Declaration : I certify that the information provided in this complaint is true and accurate to the best of my knowledge. 
Signature : XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: ND

Complaint narrative:
So my info got stolen from 3 Data breaches and I started disputing the first accounts and addresses in the beginning of XXXX  and experian said everything was verified I was very ill for the past 3 years and I didnt know how to file disputes correctly I think but then i disputed again and still they said it was verified and this time I had police reports identity theft reports and had let them know about data breaches and followed the steps to secure my identity the other 2 companies have removed them but experian still is reporting it and says its verified but its not I never heard of these before and I never lived in XXXX XXXX and when I could I couldnt afford the protection no more cause XXXX XXXX and under finance hardship so they stopped monitoring for activity and now theres more happening with my idenitu

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 2025-03-04 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: SC

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-04 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: NY

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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am disputing the reporting of a collection account from Midland Credit Management Inc. ( MCM ) that appears on my credit report. This debt was allegedly opened on XX/XX/XXXX, and last reported on XX/XX/XXXX, with a balance of {$2500.00}. However, the original creditor is not listed, and I have not received any verification proving that I owe this debt. 

Issues with the Reporting : The Original Creditor is Not Listed My credit report only shows Midland Credit Management Inc., a debt buyer, but does not specify the original creditor who allegedly owned this debt.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to know who originally held this debt before it was sold to Midland Credit Management Inc.

Without the original creditors name, this debt can not be verified and should be removed from my credit report. 
Debt Validation Not Provided I have not received any written notice or verification from Midland Credit Management Inc. proving that I owe this debt.

Under 15 U.S.C. 1692g of the FDCPA, I have the right to request validation of this debt, including a copy of the original agreement with the creditor, itemized statements, and proof of their right to collect.

Possible Expired Statute of Limitations The alleged account was opened on XX/XX/XXXX. Depending on the statute of limitations for debt collection in my state, this debt may no longer be legally collectible. If the debt is time-barred, Midland Credit Management Inc. can not legally sue or report it as active debt. 
Actions Taken : Disputed with Credit Bureaus I have submitted disputes to [ XXXX, XXXX, XXXX ] requesting verification of this debt. 
Requested Debt Validation from Midland Credit Management Inc. I have requested proof of this debt and the original creditor details. They have ( failed to provide proper validation, ignored the request, etc. ). 
Followed Up with Credit Bureaus Despite my dispute, my credit report still reflects this unverified debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
For the last several years I have been harassed about a debt with LVNV LLC who is collecting on a charged off account for XXXX XXXXXXXX XXXX  in the amount of {$600.00}. According to 15 USC 1681, I have never had an account with this creditor and I have not given permission for this informations to be furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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 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 non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have reached out to Nelnet to get more information about my loans and only received very generic information back. I applied for the SAVE program back in XXXX but have not been able to verify if I am still in that program at this time. I just graduated with my XXXX 's in XX/XX/XXXX and have not had to make any payments yet. I am not sure where I stand in my IDR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MD

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-04 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: NC

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for failing to properly investigate my identity theft dispute and remove fraudulent accounts from my credit report, despite multiple submissions of required documentation. 

Experians Failure to Investigate Identity Theft Dispute On XX/XX/year>, I submitted a formal identity theft dispute to Experian via mail, including : A copy of my government-issued ID and social security card A /FTC identity theft affidavit A detailed letter outlining the fraudulent accounts and how I was affected Despite having all necessary proof, Experian refused to investigate, claiming they did not believe I was the one submitting the dispute. 
I received their response at the last minute, delaying my ability to resolve the fraudulent activity. 
On XX/XX/year>, I resubmitted the same dispute directly through Experians online portal, and they are still refusing to investigate promptly, despite their legal obligation under the Fair Credit Reporting Act ( FCRA ). 

Equifax & TransUnions Failure to Remove Fraudulent XXXX Account Equifax and TransUnion continue to report a WebBank account that does not belong to me. 
I have repeatedly disputed this account, and it has not been removed. 
I have no knowledge of this account, nor have I ever opened or authorized it.

Legal Violations & Requested Action 1.Experian is violating the Fair Credit Reporting Act ( FCRA ) by failing to promptly investigate a valid identity theft dispute despite multiple submissions with all required documentation.

2.Equifax and TransUnion are failing to fulfill their obligation under FCRA by continuing to report a fraudulent account that I do not own, despite multiple disputes.

3.These delays are causing significant harm to my credit and financial well-being.

I demand the following corrective actions : Experian must immediately investigate and remove fraudulent accounts from my credit report.

Equifax and TransUnion must delete the XXXX account that I have repeatedly disputed and proven is not mine. 
I request a written response with clear corrective actions taken, not just another generic dispute response. 

Failure to act will result in further legal escalation as well as complaint with the attorney general.

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 2025-03-04 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: 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.

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