vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
Date : XX/XX/2025 Hello my name is XXXX I live in XXXX XXXX, California. I am filing a formal complaint and seeking legal action against a company identifying themselves as 'Unisen ' calling on behalf of 'LVL Funding ' regarding a debt I do not believe is mine. Their representatives violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and XXXX XXXX XXXXXXXX Fair Debt Collection Practices Act by improperly disclosing personal information, failing to verify my identity, and harassing me through repeated calls. 
On XX/XX/2025, I received multiple phone calls from the number ( XXXX ) XXXX. I called back four times and spoke with representatives who identified themselves as : XXXX, XXXX, XXXX, and XXXX. During these calls, I was asked to confirm personal details after they had already provided me with the last four digits of my Social Security Number without verifying who I was first. I believe this is a violation of my privacy rights and federal law. 
I stated multiple times that I was not the person they were calling for and that the loan in question was not mine. Despite this, they continued the conversation and refused to explain why they were providing personal information without proper verification. When I asked for their official business number, they provided ( XXXX ) XXXX, but refused to explain why they were calling me from a local number instead. When I questioned their process, they hung up on me repeatedly. 
The situation has caused me serious stress and concern over potential identity theft, especially since I am already managing significant debt I believe may be related to unauthorized activity. The unprofessional conduct, conflicting information, and unsecured communication ( including hearing roosters in the background during one call ) all reinforce my concerns that this company is not operating lawfully.. Please advise on the next steps to move forward with legal action. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management ( MCM ) violated the Fair Debt Collection Practices Act ( FDCPA ). Midland Credit Management ( MCM ) disclosed personal information to a third party, like family, friends, or employers, etc. They disclosed that the purpose of their communication was to collect a debt, amount of the date, and my date of birth without confirming the identity of the person they were speaking to. The individual informed they did not have a debt associated with them and they had the wrong person however the representative continued to disclose personal information. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year> at XXXX I stopped by a Truist branch in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX to make a deposit into my account at the atm. At the moment the atm took my money and an error occurred and the atm printed me out a receipt with an error code. At the bottom of the receipt was a number to contact for this error. I was in the parking lot in the phone for quite some time to only find out no one would answer because they were closed. The very next morning I was the first customer waiting to walk into the branch. I spoke with a few people that advised me that they have no access to the atm and they dont see any deposit was made. I was then informed they have filed a claim to have it fixed. I was then informed that they will not credit my account until they send me paperwork that I need to fill out and send back. That paperwork never came. Eventually they credited my account and the case stayed open. Then I got a notification stating the claim was closed. Then I got a letter in the mail saying it was denied. I have called and been to the branch several times now and no one has given me a reason as to why it was denied. I have asked for the XXXX footage to be reviewed and also requested a copy. I also filed a police report with the local authorities. I was informed yesterday when I called my case is still being reviewed. I was also told a manager or XXXX would contact me yesterday. No one is contacting me. No one is helping me. No one is contacting me back, all my request at this point seem to be denied. It has now been well over a month now and no one is willing to help me get to the bottom of this. Bank name is Truist. Each time I contact them they have informed me something different. I just want someone to actually review my account, review the XXXX footage, and help me get my money back please.

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 monetary relief
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/XXXX -- {$4800.00} XXXX  # XXXX XX/XX/XXXX -- {$3700.00} XXXX # XXXX XX/XX/XXXX -- {$5700.00} XXXX  # XXXX XX/XX/XXXX -- {$7600.00} XXXX  # XXXX XX/XX/XXXX -- {$4600.00} XXXX  # XXXX XX/XX/XXXX -- {$6300.00} XXXX # XXXX XX/XX/XXXX -- {$10000.00} XXXX # XXXX XX/XX/XXXX -- {$2100.00} XXXX  # XXXX XX/XX/XXXX -- {$1800.00} XXXX  # XXXX XX/XX/XXXX -- {$3700.00} XXXX  # XXXX XX/XX/XXXX -- {$2400.00} XXXX # XXXX XX/XX/XXXX -- {$3800.00} XXXX # XXXX XX/XX/XXXX -- {$4800.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2400.00} Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I disputed two negative accounts off of my XXXX report. They removed the items off of my report or at least they dont show on the report physically but when I apply to banks for a checking account they are telling me they see where two negative accounts got removed from my report in which they should not be seeing. They got removed due to XXXX  XXXX bankruptcy. Im requesting they be XXXX percent removed because they are causing me hard. Also there have been several disputed inquiries on my report that I have no clue about that they refuse to remove claiming theyre accurate when the addresses dont match or I just flat out dont recognize applying to these financial institutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

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 l 've 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.

Resolution : As a consumer with rights under the FCRA and FDCPA, I demand the immediate removal of all fraudulent, inaccurate, and unauthorized accounts from my credit report. Under 15 U.S. Code 1681i and 1681s-2 ( b ), you are legally obligated to reinvestigate and correct inaccurate information. If these accounts are not removed promptly, I will take legal action to protect my rights and seek all available remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I have XXXX car loans with XXXX XXXX XXXX of them I got in XXXX  a gmc terrain was repossed and sold but they are saying I still over XXXX on the vehicle. Another one I have is a XXXX fusion I got in XXXX  at a Co-signer they are saying I owe XXXX for the vehicle and this was almost XXXX  years ago. They keep updating the account etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2025 I noticed that my accounts are blocked. I called XXXX to ask why and they explain me over the phone that its a final decision that all my accounts are closed. XXXX dont want to do business with me. when I ask why, they didnt give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
On XX/XX/scrub>XXXX XXXXXXXX closed my account # XXXX without notice. At the time of closure my balance was {$940.00}. Since its closure I have made {$1000.00} in payments and given {$200.00} in credit from XXXX which significantly exceeds the closing amount yet and still XXXX has continued to charge the account Late Fees, which equal to {$280.00}, acct maintenance fees, in amount of {$180.00}, and an annual fee of {$49.00} in clear violation of my rights protected under 12 CFR Part 1026. XXXX constantly continues to try to collect these fees ( equaling to {$550.00} ) when in fact the accounts balance has been satisfied and paid in full. I demand XXXX cease all collection actions against me and mark the account as PAID IN FULL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccurate and damaging items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws I have made multiple attempts to dispute these items directly with the credit reporting agencies but they have failed to properly investigate and correct the information as required by law The following information is being inaccurately reported on my credit file and is causing substantial harm to my credit standing and overall financial well-being I am requesting that the CFPB intervene and assist in having these errors permanently removed or corrected from all major consumer reporting agencies. 
ACCOUNT DISPUTE XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Credit Limit : {$300.00} Late Payments XXXX XXXX  ISSUE : The account is reporting late payments inaccurately and without full investigation or verification LAW : Under FCRA Section 611 and Section 609 ( a ) ( 1 ), I have the right to request an investigation and see the method of verification for any negative account. Failure to provide proper documentation violates my rights under FCRA STORY : I have no documented or verifiable notice from XXXX XXXX XXXX showing these late payments with exact billing statements. Without proper validation, these late notations are unfair and damaging. This item was disputed previously, and no adequate resolution or reinvestigation was provided. This must be permanently removed or corrected immediately I respectfully request that the Consumer Financial Protection Bureau investigate these issues and require the credit bureaus to comply with their legal obligations under the FCRA and FDCPA I want all unverified inaccurate and unauthorized information to be removed from my credit report including the listed addresses accounts and inquiries These entries are severely impacting my ability to obtain housing employment and credit and are the result of negligent reporting and lack of proper investigation Please ensure that a thorough reinvestigation is conducted and that I am provided with full documentation and results in writing pursuant to 15 USC 1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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 writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
Okay I am not sure why my consumer rights keep being violated with this company as I am just trying to pay this company off and be done with them. This company is still reporting to the 3 major credit bureaus inaccurate information and has done exactly 5 days ago.My highest balance according to this horrible company was {$900.00}. I made a payment in XXXX of {$330.00} then I made another {$40.00} payment on XXXX XXXX and when I called to set a payment up last night there still saying my pay off amount is {$680.00}! This is incorrect and this company is still reporting inaccurate information because there math is not matching what my current balance should be. I am confused as a company that is trying to help consumers is allowing any of this but that is another story. All I want is to pay CONCORA CREDIT OFF THE CORRECT AMOUNT AND FOR THEM TO ASSIST ME BY PROVIDING THE RIGHT INFORMATION BEFORE I TAKE THE NEXT STEP IN THE LEGAL PROCESS. To close an account because I am requesting information or u tell them u am going to seek legal help is completely violating. This company has caused me unnecessary stress and has also taking money from my childs college funds. I beg of this company to please allow me to pay off this account as this is causing me mental anguish, hardship, Stress and its affecting my mental. I am feeling like legally the system is allowing them to take advantage of me and none of this is right. It is a complete violation of my rights! Now I set a payment up through my checking account lastnight and it is the wrong amount as it should be lower. I want this company to PLEASE TAKE WHAT THEY ARE OWED AND MOVE ON TO ANOTHER PERSON WITH ALL THIS UNNECESSARY GRIEF AND AGONY IT IS CAUSING ME! I am attaching my exhibits A, B, C, D and when you look at them and look at how if I make a {$40.00} payment it only deducts {$16.00} you will see that I am in fact being robbed by CONCORA CREDIT AKA DESTINY ( XXXX )!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: FL

Complaint narrative:
This collection agency that goes by true accord is relentless with this collection, as soon as it gets taken off my credit theyll reopen it as a new debt with a XXXX difference its predatory business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
Equifax and TransUnion has already removed these items I need experience to move these items right away no less than 30 days experience legal documentation supporting it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
Equifax and TransUnion has already removed these items I need experience to move these items right away no less than 30 days experience legal documentation supporting it

Company response to consumer: Closed with non-monetary relief