vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am filing this complaint against both Fair Collections & Outsourcing ( FCO ) and XXXX  for violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Texas Finance Code. 

FCO is reporting an alleged collection account ( # XXXXXXXX XXXX XXXX  ) related to XXXX XXXX XXXX XXXX in the amount of {$12000.00}. This tradeline appears on my XXXX  credit report. 



Violations by FCO 1. Failure to Validate Debt No signed lease, contract, or assignment from XXXX XXXX has been provided. This violates 15 U.S.C. 1692g ( b ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXXXXXX ) ). 
2. Misleading Reporting Reporting a debt without proper validation constitutes false representation under 15 U.S.C. 1692e ( 8 ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXXXXXX ) ). 
3. Licensing Violation FCO has not demonstrated it is properly licensed to collect debts in Texas, contrary to Texas Finance Code 392.101.

Violations by XXXX  1. Failure to Conduct Reasonable Investigation Despite prior disputes, XXXX  has continued reporting the FCO tradeline without proof of liability. This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ). 
2. Missing DOFD The tradeline fails to report the Date of First Delinquency ( DOFD ), a required field under 15 U.S.C. 1681c ( a ) ( 4 ).

3. Re-Aging Concerns The account was opened in XXXX, but the Date Last Active is shown as XX/XX/XXXX, suggesting unlawful re-aging ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) ). 
4. Unverifiable Reporting XXXX  has parroted data from FCO without requiring documentary evidence, in violation of 15 U.S.C. 1681e ( b ) ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: DC

Complaint narrative:
Cash App wrongfully and permanently closed my account ( Case # XXXX ) and also dismantled my dependent childs linked account. I have had this account for years with no prior issues and have never engaged in any fraudulent or prohibited activity. 

I rely on Cash App as my primary financial hub for : Receiving direct deposit from my employer Supporting my younger brother, for whom I have legal custody, via a linked/sponsored account Paying essential living expenses Conducting legitimate business transactions On XX/XX/year>, my account was suddenly locked for suspicious activity. I fully cooperated with Cash Apps requests and offered to provide verification. Despite this, I later received a generic notice that my account violated the Terms of Service, with no explanation of what activity allegedly triggered this. 

This closure has caused severe financial hardship, disrupted my ability to support a dependent, and restricted access to essential funds. Cash App has refused to provide any specific details or evidence supporting its decision, leaving me with no clear reason why my account was banned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This letter is a formal demand that Resurgent/LVNV Funding immediately remove the inaccurate and fraudulent collection account you are reporting on my credit file. Your actions constitute a clear violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), which prohibits false, deceptive, or misleading representations of debt, and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which prohibits furnishing inaccurate information to credit reporting agencies. By knowingly and willfully reporting false debt, you are engaging in defamation of character and reckless disregard for the truth. LVNV and Resurgent have a documented history of losing lawsuits regarding unlawful collection and credit reporting practices ( see LVNV Funding, LLC v. Harling and other state-level cases ), and I am fully prepared to pursue litigation for damages, legal fees, and all other remedies if this tradeline is not removed immediately. Consider this your final notice before legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Under the FCRA, once a consumer provides a valid identity theft report, credit reporting agencies are required to block or remove fraudulent items within four ( 4 ) business days of receiving the request. Reinvestigation is not permitted in cases of identity theft as specified in 15 U.S.C. 1681c-2 ( b ). 

Please remove unauthorized inquiries. 

Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
In XXXX of XXXX  I had made a payment on a bank account that should have been removed by an ex girlfriend and when I submitted it I realized what happened and cancelled it. I waited until XX/XX/XXXX to make the payment on the right bank account that I used. Well Mr Cooper never applied that payment to my mortgage payment. I have the bank statement which proves that they took my money from my account. I have been fighting this for 4 years now with them and they still will not fix it charging me service and late fees every month. I asked you to fix this 3 years ago and you didnt do XXXX. Now they took another payment from me and will not apply it to my mortgage payment. I am tired of this XXXX! All this has also got me behind on payments as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : 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  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: NV

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

1681c2 ) that you, the Experian 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 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 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 {$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 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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: WA

Complaint narrative:
I have had my XXXXXXXX XXXX XXXX  for over 3 years, and have always had it on autopay. When my new card did not arrive ( other card expired ), I called and they were going to send another one. During this time they turned off my autopay and never notified myself. I ended up going two months without knowing my card was not paid, until my credit score dropped and was notified by XXXX XXXX. I have sent 7 emails to the company and have called 5 times. One of the customer service reps credited my late fee for the second month and said the other manager would credit the first month, however that has not happened yet. Now my credit shows I have been 60days late and this is the only card that has ever shown a late notice on all my credit reports.

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 2025-08-18 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: PA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-18 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-18 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: PA

Complaint narrative:
This letter serves as a formal legal notice regarding the above-referenced matter. Please take notice of the following : No Reset of Deadlines You previously acknowledged receipt of my dispute. Attempts to request duplicative information ( such as ID already provided ) shall not constitute a reset or extension of your statutory deadlines under FCRA 611 or FDCPA 809 ( b ).

Method of Verification Required Pursuant to FCRA 611 ( a ) ( 7 ), you are required to disclose in detail the method used to verify the alleged debt you are reporting to consumer reporting agencies. This includes, but is not limited to : The name and contact information of the person or entity who verified it, The exact documents relied upon, A complete chain of title showing lawful ownership of the debt, The original wet-ink promissory note, signed by me, establishing a lawful obligation.

Lack of Consent for Reporting Under FCRA 602A and 604 ( a ), no consumer report may be furnished without permissible purpose and written consent. I have never granted written consent for this alleged account to be published or reported. Any continued reporting constitutes defamation, invasion of privacy, and fraud.

Notice of Default & Opportunity to Cure Unless you provide full validation ( not mere verification ) within 21 days of receipt of this letter, you will be in default and dishonor under FDCPA 809 ( b ) and UCC 3-501 & 3-503.

Your failure to cure will constitute your agreement by estoppel that : No enforceable debt exists, You lack standing, You are unlawfully reporting without authority. 
Required Action Immediately cease reporting this unverified account to XXXX, Equifax, and XXXX. 
Provide written confirmation that the tradeline has been permanently deleted. 
Notice of Liability Be advised that continued unlawful reporting or failure to comply will result in : Complaints to the CFPB, FTC, and State Attorney General, A civil claim for damages under FCRA ( 15 U.S.C. 1681n/o ) and FDCPA ( 15 U.S.C. 1692k ), each violation subject to {$1000.00} statutory damages plus actual and punitive damages.

You are hereby required to respond within twenty-one ( 21 ) days with point-by-point rebuttal. Failure to respond in good faith will constitute full agreement and acceptance of all facts stated herein.

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
We are applying for rentals in XXXX XXXX. When they ran my credit score, it showed up that there were names and addresses that were not mine. The name was XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. Also there was an auto loan that was taken out with my social security number for a XXXX auto lease that was taken out in XX/XX/year> with XXXX XXXX XXXX. I never took out this auto loan. I don't even know how they got my information. The person was delinquent 3 months and it made it so that we got declined from 3 rentals that we had applied for because of her delinquencies. 

I reported it on IdentityTheft.gov. I called XXXX XXXX at XXXX. They sent me a document that I am filling out. I tried to report it with XXXX CA police department and they said they don't have enough information until Nissan Releases that to them. I also reported it with IC3 according to the XXXX XXXX 's recommendation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: Medical Data Systems, Inc.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Medical Debt Reporting Urgent Removal Requested Within 4 Days Due to HIPAA Violation To Whom It May Concern : I am filing this formal complaint regarding the inaccurate and improper reporting of medical debt by Medical Data System I on my credit report. The reporting of this account constitutes a violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and the Fair Credit Reporting Act ( FCRA ).

Nature of the Complaint : Creditor/Debt Collector : Medical Data XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Florida, XXXX Date Reported : XX/XX/year>XXXX  Issue : The item in question is a medical billthat is : {$2000.00} Inaccurately reported, and/or Unlawfully disclosed without proper authorization, in direct violation of HIPAA privacy rules regarding the sharing of protected health information ( PHI ). 

HIPAA Violation Details : The third-party debt collector or reporting agency is not a covered entity under HIPAA and does not have the legal authority to access or report my protected health information ( PHI ) or any portion of my medical file without my explicit written consent. 
The presence of this information on my credit report constitutes a breach of my medical privacy. No authorization was given, and therefore the reporting of this account is illegal and must be removed immediately. 

Relief Requested : I respectfully demand the following actions : 1 Immediate removal of the disputed medical debt item from all credit reporting agencies.

2 Completion of the investigation and resolution within 4 calendar days of this notice.

3 Written confirmation that the account has been deleted and will no longer be reported.

4 Assurance that my privacy rights under HIPAA and FCRA will be upheld going forward. 
This issue is causing serious harm to my credit and personal privacy. I am attaching all relevant documentation for your review and look forward to a swift resolution. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NV

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

1681c2 ) that you, the TransUnion 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 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 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  : {$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 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