vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
RE : IMMEDIATE NOTICE OF FEDERAL LITIGATION CFPB Case # XXXX Resurgent Reference # : XXXX Original Creditor : XXXX XXXX Bank XXXX XXXX. 
Consumer : XXXX XXXX XXXX XXXX. 

To Whom It XXXX Concern, This is not a dispute. This is not a request. This is not a warning. 

You are now officially named in an upcoming lawsuit for your willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your continued furnishing and collection of a debt that has not been validated under law constitutes willful misconduct. You had the opportunity to comply. You chose not to. That was your mistake. 

YOU WILL BE SUED FOR : Furnishing inaccurate and unverifiable information to credit bureaus ( FCRA 1681s-2 ) Failure to properly investigate a consumer dispute ( FCRA 1681i ) Continuing collection without proper validation ( FDCPA 1692g ( b ) ) Deceptive and misleading representations ( FDCPA 1692e ) Harassment and unfair practices ( FDCPA 1692d, 1692f ) The documentation you provided is inadequate and irrelevant. Internal account summaries and regurgitated billing statements are not validation. You have not provided : A contract bearing my signature A full chain of assignment A legally enforceable claim of ownership A complete itemization of the debt as required by law You are knowingly reporting a debt that can not legally be collected or verified. This is textbook malicious noncompliance. 

LEGAL REMEDY BEING PURSUED : {$1000.00} statutory damages per violation under FDCPA and FCRA Actual damages for emotional distress and credit denial Punitive damages for willful misconduct Injunctive relief for immediate deletion from all CRAs Full legal fees and court costs Complaint will be filed in XXXX XXXX XXXX for the XXXX XXXX of Florida. You will be served. 

YOU WILL DELETE THIS ACCOUNT. 

You are hereby ordered to immediately : Cease all collection activity Delete the account from all credit reporting agencies Issue written confirmation of deletion and closure This will not be negotiated. There will be no further correspondence unless through formal legal discovery. 

Keep your documents. Youll need them in court. 

Respectfully, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OH

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I hereby demand the following actions : XXXX. Cease and Desist from All Collection Activity : You are to immediately cease and desist all collection efforts, including but not limited to phone calls, text messages, emails, mailed correspondence, and third-party reporting or communication, until full and complete validation of this alleged debt has been provided to me in writing. 
XXXX. Debt Validation and Proof of Reporting Accuracy : You are required to furnish competent evidence verifying that I am legally obligated for the alleged debt, including a signed contract, itemized statement, and any assignment or transfer documentation establishing your legal right to collect or report this debt. If such verification can not be produced within the time required by law, this account must be immediately deleted from all credit reporting agencies including XXXX XXXX XXXX XXXX  as mandated under the FCRA, 1681s-2 ( b ). 
XXXX. Notice of Ongoing Investigation : This matter remains under formal dispute and review with the Consumer Financial Protection Bureau ( CFPB ) as of XX/XX/year>, per your acknowledgment of an ACTIVE DISPUTE. Any continued reporting of unverifiable or inaccurate information constitutes willful noncompliance and XXXX result in civil liability under 15 U.S.C. 1681n and 1692k. 
Failure to comply with this request will leave me no choice but to purse legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: LA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: RI

Complaint narrative:
In XX/XX/year>, a collection account in the amount of {$380.00} was reported by IC SYSTEM on behalf of a utility company. This debt is not valid because it was incurred after I had already moved out of the property associated with the service. I was not living at that address, was not responsible for the utility service at that time, and did not sign or authorize any contract for it. 

I have identification and documents proving my residency elsewhere during the period the charges were created. I have never received a bill or notice directly related to this debt prior to the collection report appearing on my credit. 

I believe this debt was wrongly assigned to me and reported without proper verification or consent. I am filing this complaint to request a formal investigation and removal of this inaccurate collection account from my credit report.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: IL

Complaint narrative:
Subject : Misleading and premature debt collection by XXXX and XXXX agency Alliance One To the Consumer Financial Protection Bureau : I am submitting this complaint regarding XXXX and Alliance One contacted me about the same account. I believe XXXX engaged in deceptive or misleading practices by sending my account to a collection agency before the time frame stated in their own letter expired. 

On XX/XX/year>, I received a letter directly from XXXX stating the following ( excerpt ) : This is your final notice. Your account with XXXX  is past due with the balance of {$410.00} and has been deactivated. We wish to give you one last opportunity to resolve your account before we turn it over to a collection agency. Should you choose not to make arrangements to pay the entire balance within 10 days of the date of this letter, we XXXX turn this account over to our collection agency. Once your account is sent to a collection agency, your debt XXXX be reported to the credit bureaus and could be available to your current and future creditors. 

However, on XX/XX/year>, just XXXX day later, I received an email from Alliance One attempting to collect the same balance ( {$410.00} ) for the same account number. This clearly shows that my account had already been sent to collections before the expiration of the XXXX period stated in XXXX notice. 

This is misleading and possibly violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) because : XXXX represented that I had time to make payment before my account would be referred to collections, but they initiated collections immediately. 
Both XXXX and the collection agency attempted to collect the same debt simultaneously. 

I am requesting that the CFPB investigate this matter and require XXXX to : XXXX. Clarify whether and when my account was transferred to a collection agency. 
XXXX. Cease and Desist any further collection or credit reporting activity until this issue is resolved and Method of Verification is provided. 
XXXX. Remove any negative credit reporting resulting from this premature collection activity. 

XXXX. Provide me with a Signed contract with this company ( Billing statement is NOT a valid method of verification ) XXXX. Provide your License/License number to collect a debt within the state of Illinois XXXX XXXX Transfer of assignment ( Between XXXXAlliance One ) Who owns the account? 


I am attaching : The XXXX final notice letter ( dated XX/XX/year> ) The collection agency communication ( dated XX/XX/year> ) Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-21 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: Cactus Jacks Auto Sales
State: AZ

Complaint narrative:
I am filing this complaint regarding Camelback Finance Inc., which is currently reporting an auto loan charge-off for approximately {$11000.00} on my credit report. I have no signed agreement, contract, or proof of liability for this account, and I did not authorize or initiate any financing through Camelback Finance. 

This account appears to have been fraudulently opened or misreported as a result of identity theft and/or data exposure from the recent nationwide credit bureau data breach . I have already submitted formal disputes under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) and 623, requesting verification and documentation of the alleged account. Despite these lawful requests, Camelback Finance and the credit bureaus have failed to verify or provide any proof that this account is valid or that I am legally obligated to it. 

The continued reporting of this unverified and unauthorized account violates my rights under 15 U.S.C. 1681b, 1681i, and 1681c-2, as it constitutes the furnishing of inaccurate information and failure to conduct a reasonable investigation. This false reporting has directly harmed my credit standing, resulting in credit denials, financial loss, and emotional distress. 

I am requesting that the CFPB require Camelback Finance Inc. and the credit bureaus to immediately delete this account, block it from reappearing, and provide written confirmation of its permanent removal. 

Failure to comply within the required time frame will constitute willful noncompliance under FCRA 616617, and I reserve my right to pursue civil damages, attorneys fees, and statutory penalties for the continued unlawful reporting of this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I continue to receive fraud charges on my card. I've been told by bank of America that XXXX gives my card details to merchants. But that just continues the fraud that offers. I can't get any resolution from the merchant or bank of America. I can't opt out of information sharing. I don't want fraudsters using my card. I want to be able to manage my card and who has my information.

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX has been double charging me for over a year. Chase is refusing to file fraud charges against them for anything over the last 60 days. They have reversed out charges on my account and now my account is overdrawn. I have asked them to close my account because I am upset about them, not assisting me with the fraud, And they are refusing to close my account or refund me any of my money back. XXXX owes me over {$400.00} and what I have received back has been a little over XXXX from both my bank and the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In XX/XX/year>, my mortgage servicer, NewRez LLC, reported a XXXX late payment on my mortgage account to the credit bureaus. This payment was delayed as the direct result of a catastrophic and life-threatening medical emergency I experienced in XX/XX/year>. This crisis involved multiple emergency room hospitalizations, extensive diagnostic testing, and resulted in significant medical debt and a period of physical and financial incapacitation. 

On or around XX/XX/year>, I submitted a formal written dispute and request for a goodwill adjustment to NewRez 's designated address. This package included a detailed cover letter, a complete timeline of events, and was supported by extensive medical documentation proving the severity and financial impact of the medical crisis. 

On XX/XX/year>, NewRez responded with a generic, templated email. This response stated they were " unable to determine that any error has occurred '' and that they " can not extend a favor or courtesy ''. This indicates that they failed to conduct a reasonable investigation into my dispute, as it did not acknowledge the specific evidence provided. 

Despite their failure to properly investigate, I have since brought the account completely current, and there is no outstanding balance. I am filing this complaint because NewRez is damaging my credit by reporting this one-time late payment, which does not accurately reflect my payment history and was the direct result of a documented, unavoidable medical emergency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
i have disputed XXXX and XXXX sevral times and transunion to remove incorrect balances or delete accounts from my credit report i have incuded and attached proof that the loans from XXXXXXXX XXXX now XXXX XXXXXXXX has been included in XXXX XXXX XXXX and loans are not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief