vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: OH

Complaint narrative:
On XX/XX/year>, I filed a dispute with Experian regarding a collection account reported by XXXX XXXX XXXX ( Account Number : XXXX ). The account in question is inaccurate and has not been properly validated. Despite my formal dispute, Experian closed the dispute on XX/XX/year>, without conducting a meaningful investigation or providing proper debt validation, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Experian 's official response stated : " The account with XXXX & XXXX that starts with XXXX has not been changed and will remain on your credit report. '' This response fails to address the core issue : the account was never properly validated. To date, XXXX XXXX XXXX has not provided any documentation proving that this debt is valid, accurate, or that I am legally responsible for it. Additionally, the account is reporting derogatory information that is damaging my credit health and reputation. 

I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information being reported, including this one. These false or unverified remarks have had a detrimental impact on my financial well-being, limiting my ability to access credit, housing, and other essential services. 

I am requesting the CFPB 's assistance in ensuring : A full and proper investigation is conducted into this matter ; The XXXX XXXX XXXX provides complete documentation validating the debt ( if valid ) ; That Experian is held accountable for failing to fulfill its obligation to investigate and respond appropriately under FCRA guidelines ; That the inaccurate or unverified account is removed from my credit report immediately. 

Thank you for your attention to this matter. 

Submitted by : XXXX XXXX Report Number : XXXX Account Number : XXXX Date Submitted : XX/XX/year> Credit Bureau XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH 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 2025-05-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX To Whom It May Concern, I, XXXX XXXX am a consumer and latural person tully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy ano confidentiality under 15 USC 1681 by the accounts listed below.

This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing open with a balance due.

The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 U.S. C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Equifax regarding the inaccurate and misleading reporting of a collection account on my credit report. 

Equifax is currently reporting a collection account with a {$0.00} balance. While the balance is reported as XXXX, the account is still being listed as a derogatory collection, which continues to negatively impact my credit profile and score. This reporting is misleading, incomplete, and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

FCRA Violation 607 ( b ) : Accuracy of Information Under the FCRA, Equifax is required to maintain and report complete and accurate information. Reporting a {$0.00} balance while still categorizing the account as an active or open collection is inaccurate and misleading. If the account is paid or no longer collectible, it should be removed if appropriate. 


FCRA Violation 623 ( a ) ( 2 ) : Obligation to Update Inaccurate Data If the data furnisher ( collection agency ) updated the balance to {$0.00}, Equifax is required to promptly reflect the accurate status of the account. Continued reporting as a derogatory item misrepresents the true standing of the debt. 


Adverse Impact Without Justification Despite the {$0.00} balance, the tradeline is still negatively affecting my credit standing. If the collection is resolved or no longer valid, its continued presence serves no legitimate purpose and only harms me unfairly. 

I am requesting Equifax investigate this tradeline immediately and either : Remove the account entirely and remove the negative impact if the debt never was active or collectible. 

I have attempted to resolve this directly with Equifax and/or the collection agency but have not received a satisfactory resolution. Therefore, I am requesting the CFPB 's assistance to ensure this matter is investigated properly and corrected in compliance with federal law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Disputed Account Name : XXXX XXXX XXXX / XXXX XXXX Equifax Report Date : XX/XX/year> Please see attached credit report and paid in full notice from the original creditor with a date prior to collection activity. Meaning this account was paid off before they created a collections which makes this reporting 100 % inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: DSR HOLDINGS GROUP, LLC
State: MD

Complaint narrative:
I keep receiving this text message multiple times per day. Hello ( my full name ), XXXX from XXXX here. We are verifying location and contact information, and we need to hear from you. This is our third attempt to reach out. Kindly get back when you can. Reply XXXX to stop contact. 

XXXX is the number they are now calling and texting from. 

Ive replied XXXX ; it didnt do anything. Ive called the number they contact me from and they keep asking me to verify my social security number, but I told them I wouldnt give them my info until they tell me exactly what debt of mine they have. They wouldnt say. 

They wont give me any info about any debt I owe until I give them my personal information. Then they keep saying theyre trying to confirm my location? Why? If you have a debt of mine you should know my location and my exact address as I have lived in the same place for years. 

I have also blocked the number and they continue to change numbers and send out the annoying texts over and over again from new numbers. 

The man who answered when I called has a VERY thick accent, I could barely understand him. But he wouldnt give me his name or where their business is located at all until I gave him my personal information. 

I would like to know if this is legit or if I even have a debt I owe, but I see nothing on my credit report about any collections with DSR.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ; XXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Radius Global Solutions began contacting me about an alleged debt without providing proper written validation as required by the FDCPA and Texas Finance Code. I requested a debt validation letter and a copy of their Texas debt collection surety bond ( required by Texas Finance Code 392.101 ) and they refused to provide either.

I verbally requested this over the phone and they told me I had to email them instead of mailing it as required. They continue to call and harass me without validating the debt in writing. Their conduct is in violation of : FDCPA 809 ( b ) No debt validation provided FDCPA 806 Harassment Texas Finance Code 392.202 No validation upon request Texas Finance Code 392.101 Refusal to show proof of bond I demand all collection activity be ceased immediately until the debt is properly validated and verified per federal and state law. If the debt is unverifiable, I request its permanent deletion from all records.

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 2025-05-14 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: FL

Complaint narrative:
This account was opened on XX/XX/XXXX, and shows 100 % of payments made on time with a {$0.00} balance and no late payments or past due amounts. The account was reported as closed by the credit grantor as of XX/XX/XXXX, even though the payment record reflects perfect performance. 

The report also contains numerous entries marked No Info for monthly payment, current status, and worst payment status. This incomplete and potentially misleading reporting makes it appear as if the account may have been closed negatively, which is not supported by the data. The report fails to clarify whether the account was closed at my request, through inactivity, or due to adverse action. 

No documentation has been provided explaining why the account was closed by the grantor. This omission raises concerns of inaccurate or incomplete reporting under FCRA 1681i and XXXX XXXX formatting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: Synovus Bank
State: CA

Complaint narrative:
Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synovusverv First Digital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
I have not supplied proof under the dXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: KS

Complaint narrative:
This is now my fourth complaint regarding Credence Resource Management ( CRM ) and the debt they claim is owed to XXXX  ( Account # XXXX ). I have never received an initial written notice regarding this alleged debt, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). CRM claims to have sent a notice on XX/XX/XXXX, yet they offer no proof it was actually sent or receivedonly that it was not returned as undeliverable, which is legally insufficient.

CRM then proceeded to report this disputed debt to the credit bureaus without giving me the legally required opportunity to dispute or request validation. This is a violation of FDCPA 1692e ( 8 ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ).

When I filed multiple CFPB complaints, CRM finally produced what they claim is validation a XXXX billing statement dated from XXXX. It is now XXXX. A XXXX-year-old billing statement, with no contract, no detailed accounting, no signed agreement, and no direct link to me, is not proper validation under the law. This account remains disputed and unverified, yet CRM continues to report it, damaging my credit and ignoring their legal obligations. 

If this matter is not resolved immediately meaning the full removal of this account from all credit reports and the complete cessation of collection activity I will escalate this further by filing formal complaints with the FTC, the Michigan Attorney Generals Office, and the XXXX XXXX XXXX, and I am actively seeking legal counsel to pursue damages under the FDCPA and FCRA for continued noncompliance and credit harm.

This has gone on long enough. CRM has failed to act in good faith despite repeated opportunities. I am demanding immediate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NC

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 Ive 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.

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 2025-05-14 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: NC

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 Ive 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Obtained loan from XXXX XXXX  on XX/XX/year>. My mortgage payment of {$3900.00} showing on the Closing Disclosure that was signed on XX/XX/year>. Loan was then transferred to Shellpoint on XX/XX/year>. 

I contacted Shellpoint on XX/XX/year> to obtain payment information, a representative stated they did not have the updated information in the system as of yet and to call back closer to the XXXX of XXXX. 

Contacted Shellpoint on XX/XX/year> at XXXX and spoke with a representative by the name of XXXX XXXX He assisted me with gaining access to the online portal. When I notice my bill of {$4000.00}. In inquired about the new rate. XXXX animatedly stated that the amount was correct and that was showed on the Closing Disclosure they received from XXXX XXXX. I tried to inform XXXX that, that the information was incorrect and I have a copy of the Closing Disclosure which shows {$3900.00}. XXXX who then became very abrasive and stated that I was wrong and what he has was correct. 

I then contacted XXXX XXXX  and spoke to XXXX and added her to the call. She explained to XXXX that the amount that I stated was correct and it is what was sent to Shell Point. XXXX then stated that it could be a late payment, XXXX confirmed that there was no late payment. XXXX then stated that it could be taxes or insurance. XXXX stated that, those premiums are good for a year and it has been only a month, so it could not be that. 

XXXX then placed us on hold for XXXX minutes, to stat that he did not have access to the carbon copy which he initially stated he was looking at and that I would need to either fax or mail in a request to open up an investigation. I advised XXXX, that since it is a mistake on their end that they should escalate the problem. He refused, I then asked for a XXXX and litigations department number. XXXX placed me on hold again and came back with neither. 

XXXX advised to just pay what is showing and continue to follow up on the problem. I ended the call and submitted this complaint for assistance.

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lockhart, Morris & Montgomery Inc.
State: IL

Complaint narrative:
On XX/XX/year> I received a phone from this collection company told them I dont recognize this debt and I cant pay this it and I would like for them not to call me back. Then I received a call on XX/XX/year> I received a call about this same debt that I have know recognition of and can they no longer call me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation