vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Re : Cease and Desist Demand & Debt Validation Request under 15 U.S.C. 1692c ( c ) and 1692g To Whom It May Concern, This letter serves as my formal demand under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) that you cease all communication with me regarding the alleged debt you claim I owe. You are hereby instructed not to contact me at my home, workplace, by phone, or through any third parties.

In addition, pursuant to 15 U.S.C. 1692g, I am exercising my right to request validation of the alleged debt. Specifically, I request that you provide me with : 1. The amount of the alleged debt, including an itemization of fees, interest, and charges ; 2. The name and address of the original creditor ; 3. A copy of any judgment ( if applicable ) ; 4. Copies of any documents bearing my signature that evidence my responsibility for the alleged debt ; and 5. Documentation showing that you are authorized to collect this debt in my state.

Until such validation is provided, you must immediately cease all collection activity, including any reporting or furnishing of information regarding this alleged debt to any credit reporting agency. Reporting a debt that has not been validated violates both the FDCPA and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), and will be treated as unlawful and actionable conduct.

Be advised that any contact from your office outside the narrow exceptions permitted under 1692c ( c ), or failure to provide proper validation as required under 1692g, will be documented and may be used as evidence in a complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state, as well as in any private legal action I may pursue. 
Please confirm in writing that you have received and will comply with this notice. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: Credit Control, LLC
State: TX

Complaint narrative:
Another day, another complaint against CCS. If they had valid documentation, they wouldve responded by now. No legitimate company lets XXXX CFPB complaints pile up unanswered unless they have nothing to provide. I will continue filing every single day until this is resolved, and if that means XXXX unresolved complaints, that is fine with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Subject : XXXX  reporting false JPMCB CARD tradeline in violation of the FCRA Complaint : 1. FCRA 623 ( a ) ( 5 ) : Re-aging XXXX  is reporting the account with a false past due date in XXXX, even though the original delinquency occurred in XXXX. This unlawfully re-ages the account and extends the reporting period beyond the 7 years allowed by law. 
2. FCRA 607 ( b ) : Maximum possible accuracy XXXX  reports the account status as both charged off and current. A tradeline can not be both derogatory and current. This is inaccurate and misleading.

3. FCRA 607 ( b ) : Accuracy requirement Payment history shows ND ( no data ) for years XXXX through XXXX, but XXXX  continues to maintain a derogatory charge-off status. This inconsistency demonstrates a failure to ensure maximum possible accuracy. 
4. FCRA 607 ( b ) : Accuracy requirement XXXX  is reporting a live balance in XXXX even though the account was written off in XXXX. Reporting a past due balance on a charged-off account is misleading and inaccurate. 
5. FCRA 623 ( a ) ( 3 ) : Duty to report disputes I have disputed this account with XXXX. They failed to mark the account as disputed by consumer, which is a violation of their duty to report disputes.

6. FCRA 611 ( a ) ( 1 ) ( C ) : Duty to investigate disputes XXXX  did not perform a proper reinvestigation of my dispute. They simply verified inaccurate data with the furnisher and continued reporting false information. 


Relief Requested : I am requesting that the CFPB require XXXX  to delete this account from my credit file due to ongoing violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: OK

Complaint narrative:
Subject : Experian reporting false XXXX XXXX  tradeline in violation of the FCRA Complaint : 1. FCRA 623 ( a ) ( 5 ) : Re-aging Experian is reporting the account with a false past due date in XXXX, even though the original delinquency occurred in XXXX. This unlawfully re-ages the account and extends the reporting period beyond the 7 years allowed by law.

2. FCRA 607 ( b ) : Maximum possible accuracy Experian reports the account status as both charged off and current. A tradeline can not be both derogatory and current. This is inaccurate and misleading.

3. FCRA 607 ( b ) : Accuracy requirement Payment history shows ND ( no data ) for years XXXX through XXXX, but Experian continues to maintain a derogatory charge-off status. This inconsistency demonstrates a failure to ensure maximum possible accuracy.

4. FCRA 607 ( b ) : Accuracy requirement Experian is reporting a live balance in XXXX even though the account was written off in XXXX. Reporting a past due balance on a charged-off account is misleading and inaccurate.

5. FCRA 623 ( a ) ( 3 ) : Duty to report disputes I have disputed this account with Experian. They failed to mark the account as disputed by consumer, which is a violation of their duty to report disputes.

6. FCRA 611 ( a ) ( 1 ) ( C ) : Duty to investigate disputes Experian did not perform a proper reinvestigation of my dispute. They simply verified inaccurate data with the furnisher and continued reporting false information. 


Relief Requested : I am requesting that the CFPB require Experian to delete this account from my credit file due to ongoing violations of the Fair Credit Reporting Act.

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CO

Complaint narrative:
Ongoing multiple issues with account. Transfers being made showing telephone transfer, recurring transfers for years that would state class 4 digits of acct number money being sent to. Now having I know numbers attached to transfer. Debits cards having to be reissued, the chip never working requiring me to place card in readers, never works at gas stations. Upon request to speak with victims specialist at PNC. I am told there is no need, its just because of the updates to banking website. Was unable to access account for 3 months, kept being told they are working on the websites. Today I reported a change in my transfers, this after using an ATM bank to withdraw cash, which again would not accept my chip and made me insert my card into the bank ATM machine. Of {$150.00} I had no outgoing transfers scheduled as of the rest of the week. Upon requesting a new debit card, the employee at PNC made me log into her personal computer, using my own passwords and login information while she watched and asked me to put my pin in again watching over my shoulder.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
Adhere to 15 U.S. Code 1681g by eliminating the disputed accounts in the 15-day period.

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 2025-09-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am demanding the immediate removal of the fraudulent accounts listed on my credit report. These accounts are not mine, were never authorized, and their reporting is false and unlawful. Their presence is misleading, damaging, and must be corrected without delay.

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 2025-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Movement Mortgage LLC
State: SC

Complaint narrative:
Since XXXX I have reached out to my mortgage company numerous times regarding putting my home in forbearance due to personal financial hardship ( that I have been more than willing to send proof and evidence of ). I've spoken to numerous customer service reps in the last 9 months and I am always told something different, but with the same outcome. They say that they are unable to help me because the only qualification for putting your home in forbearance is a natural disaster. They continue to tell me that my only option is a mortgage modification, which would increase my interest rate, but give me a couple months before my next payment is due and extend my mortgage from 30 years to 40 years. I have a great interest rate and I've told them I'm not interested in doing that. I need help. I've contacted my mortgage lender that I dealt with when I bought my home and he told me that I am being told incorrectly and my situation certainly warrants putting my mortgage in forbearance. I'm having to pay my mortgage about 25 days late every month and its stressing me out. I understand how a forbearance works, but I need to be able to pay it past the 30 days for a month or 2 in order to get myself caught up. I feel like I am drowning and no one is willing to help me. It sucks being in this situation, but I don't know where else to turn. 

My financial hardship is due to my XXXX XXXX XXXX son getting in a near XXXX  accident on XX/XX/year>. He was XXXX  lifted to our XXXX hospital and suffered a XXXX XXXX through XXXX, XXXX  XXXX and numerous XXXX XXXX  on both sides of his XXXX  and was in a XXXX XXXX XXXX for 1 week. At the end of week 2 he was transferred to a XXXX XXXX XXXX  and then on XX/XX/year> he was transferred next door to XXXX XXXX at the XXXX XXXX and within XXXX hours of being in XXXX  XXXX  my son suffered a XXXX  XXXX on the XXXX  side of his XXXX, that affected his entire XXXX XXXX. He was rushed into XXXX and had an XXXX XXXX  XXXX  placed and this time was in XXXX  in a XXXX XXXX XXXX for almost XXXX weeks. He spent a month in XXXX XXXX and made a miraculous recovery re-learning how to eat, walk, fedd and dress himself, etc.... and was XXXX from the hospital XX/XX/XXXX. However, I was out of work for 3 months without pay. I used XXXX, but that didn't provide me a paycheck. I'm also a XXXX  Mom with no additional income of a XXXX and XXXX. I've attached pics below. I can also provide medical records if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> XXXX Date : XX/XX/year>XXXX XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX XXXXredit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-25 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: TX

Complaint narrative:
The late payment noted is an anomaly when compared to my consistent payment record. I respectfully request its removal upon review.

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 2025-09-25 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-25 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: GA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is the second round of disputes regarding the inaccurate reporting of late payments on my account XXXX Acct XXXX XXXX. Despite my previous dispute, the furnishers and credit reporting agencies have failed to provide valid proof of the alleged late payments, and the negative entries remain on my credit file. 

The account is being reported with XXXX XXXX late payments that do not reflect my actual payment history. My records show that the account has been paid on time. These discrepancies continue to damage my creditworthiness. I have attached copies of my reports showing the alleged late payments. 

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i requires a reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) requires maximum possible accuracy.

15 U.S.C. 1681s-2 obligates furnishers to report only accurate information.

In addition, under the Truth in Lending Act ( 15 U.S.C. 1666b and 1637 ( b ) ), creditors must adopt reasonable procedures to ensure payments are credited as of the date of receipt and periodic statements are delivered in compliance with the law. 

Because this is now the second dispute and no verifiable documentation has been provided ( such as billing statements, payment posting records, or communications showing delinquency ), I believe the continued reporting of these late payments constitutes an ongoing violation of the FCRA. 

Unless proper evidence can be produced, the account should be updated to reflect

Company response to consumer: Closed with explanation