vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX. XXXX now requesting you investigate this account and update those payments to paid on time immediately. Thank you for your understanding, help and promptness.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX. XXXX now requesting you investigate this account and update those payments to paid on time immediately. Thank you for your understanding, help and promptness.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Please removes inquiries and late payments please because this information is inaccurate.

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 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I am writing to file a complaint against Transworld Systems Inc. ( TSI ) regarding their debt collection practices. 

On XX/XX/year> I contacted TSI regarding a supposed debt. However, the representative refused to disclose any information about the debt such as the original creditor, amount, or nature of the debt unless I first provided my credit card number for a {$1.00} charge. I believe this request is unlawful under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide validation of the debt upon request without demanding payment or financial information. 


I have not been provided with a written notice or validation of the debt as required by law. I am concerned that this could be a fraudulent attempt to obtain my financial information. 

I request a full investigation into this matter. I am also requesting that TSI cease all collection efforts until proper validation is provided. 

Thank you for your attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Since XX/XX/year>, my interest rate increased 28.24 % and I owe of balance of {$2800.00} with a credit limit of {$3000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: ND

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections Portfolio Recovery {$1100.00} XXXX XXXX XXXX {$220.00} XXXX accounts {$30000.00} XXXX Accounts {$920.00} Inquiries XXXX  XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XX/XX/year> 2023

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 2025-04-28 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: OR

Complaint narrative:
I am filing a complaint against Equifax regarding inaccurate information on my credit report. I have disputed these inaccuracies directly with Equifax and provided supporting documentation. 

I also have an ongoing lawsuit against Equifax filed in XXXX XXXX XXXX XXXX XXXX in Oregon ( Case No. XXXX ) for violations of the Fair Credit Reporting Act ( FCRA ). 

Pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ), Equifax is XXXX to conduct a reasonable investigation of my disputes and correct or delete any inaccurate information. Furthermore, under 15 U.S.C. 1681c-2, I request that the disputed accounts be suppressed or removed pending the outcome of ongoing litigation to avoid continued damage to my credit during this unresolved legal process. 

Equifax has so far failed to adequately address the disputes, and I am requesting the CFPBs assistance to ensure Equifax complies with federal law and protects my rights. 

I request immediate intervention to have the disputed accounts blocked or suppressed until the court resolves the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-04-28 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: VA

Complaint narrative:
I I XXXX XXXX requested a debt validation letter which they were very unprofessional very aggressive about collecting on the debt. I asked to speak to the other department the other fraud department I needed to know proof of this that I wanted the validation letter of this state and more than anything I wanted a signature as a consumer in my right I mailed out letter with my signature for this third-party debt from this third-party debt and did not receive such so I believe my identity was stolen because I never gave authorization for any of my personal information to be shared to this XXXX party. Date : To Whom It XXXX Concern, This letter is a formal complaint that you are reporting to my consumer report fraudulently. 
According to the TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ), It is a fact, I the consumer is aware, in there has been statements which have not matched my records and statements which have not been in accordance with the disclosure from the companies listed below that i have received at the consummation of the transaction. I am formal giving notice of this billing error until i receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S. Code 1666 ( b ) ( 2 ). I the consumer is aware documentary evidence pursuant to 15 U.S. Code 44 includes all documents, papers, correspondence, books of account, financial and corporate records which involves all derives, assignees, hypothecations in connection with my all caps name. I demand to see verifiable proof of an original consumer contract with my wet signature on it that you have on file for the account listed below. I require this clarification in order to address the billing error for the accounts listed below. 
I demand that the following account be removed immediately : ( List negative accounts below ) 1. 15 U.S Code 1637 ( b ) ( 2 ) ( a ) 15 U.S. Code 1666 ( b ) ( 2 ) 15 U.SXXXX Code XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX XXXX Sc, XXXX Account Number : UNKNOWN Please remove it from my credit report. 
In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 
Thank you, ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In accordance with the fair reporting act, this creditor has violated my rights under 15 U.S.C.1681 section 602 ; states I have the right to privacy. 15 U.S.C.1682 section 604A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
I recently filed a dispute against Aldous and Associates and I was told in a previous complaint via The CFPB this complaint was going to be addressed once they reach out to the original Creditor which means Aldous does NOT have my original contract, bill of sale, transfer assignment, Flow agreement, nor ownership of the debt therefore ALDOUS and ASSOCIATES should not be requesting a debt and reporting this onto my credit reports with XXXX XXXX XXXX XXXX this is illegal and it shows the validation of debt can't be validated. 15 USC 1692g part of the FDCPA focuses on debt validation it requires debt collectors to notify consumers about their right to dispute the debt and request verification within 30 days. If the consumer disputes the debt the debt collector must obtain verification copy of a judgement and provide it to the consumer. I request all docs listed about to confirm XXXX XXXX XXXX owe this alleged debt. Aldous and Associates should not be reporting this on my credit reports as if I OWE THEM, have a legal contract with them. I've never done business with this company I ask that my personal information be destroyed and this company no longer communicate with me. sharing my information is another violation because I did not give my legal consent nor permission to this company. according to the FCRA 15 USC 1681b outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report these purposes are limited to specific situations primarily involving credit transactions, employment, insurance, or government related matters does this alleged debt fall in either category?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: AR

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 non-monetary relief
Consumer complaint received 2025-04-28 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: ND

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/closed accounts Gate city {$29000.00} Gate city {$1200.00} Portfolio Recovery {$1100.00} XXXX XXXX XXXX {$220.00} XXXX accounts {$30000.00} XXXX Accounts {$920.00} Inquiries XXXX  XXXX Bank XX/XX/year> 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: VA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking at my credit report and saw XXXX fraudulent inquiry XXXX XXXX XX/XX/year>

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 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
To Whom It XXXX Concern, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, along with applicable state consumer protection statutes, I am formally disputing the accuracy, completeness, and verifiability of the following collection account : Collection Agency : LVNV Funding LLC Original Creditor : XXXX XXXX Bank XXXX. 

Account Number : XXXX Reported Balance : {$630.00} Date Opened : XX/XX/XXXX Status Updated : XX/XX/XXXX Under FCRA 1681s-2 ( b ), I request that you conduct a full and thorough investigation into the legitimacy and accuracy of this account. LVNV Funding LLC is obligated by law to furnish accurate, timely, and substantiated information to your agency. Specifically, I require verification of the following : Documentation verifying the original debt, including a copy of the original signed agreement between myself and the original creditor, XXXX XXXX Bank XXXX. 

A complete account history detailing all charges, payments, and fees applied to arrive at the claimed balance of {$630.00}. 

Proof of legal ownership or authority of XXXX XXXX  LLC to collect this debt, including documentation of the chain of assignment or transfer from XXXX XXXX Bank XXXX. to XXXX XXXX LLC. 

Proof of proper notification as mandated by FDCPA 1692g, clearly demonstrating that LVNV Funding LLC notified me of my right to dispute the debt within XXXX days of their initial communication. 

If LVNV Funding LLC can not substantiate each point above with original documentation, you must promptly delete this account from my credit file under FCRA 1681i ( a ) ( 5 ). Additionally, failure to verify these details would constitute a violation of FDCPA 1692e and 1692f, as reporting inaccurate or unverifiable information is considered false and misleading representation. 

Furthermore, under applicable state laws, continued reporting of inaccurate or unverifiable information XXXX subject LVNV Funding LLC to additional statutory damages and penalties. 

Please conduct your investigation promptly within the statutory XXXX period as stipulated under the FCRA. Upon completion, provide me with written confirmation of the deletion or verification, along with all supporting documentation used in your investigation. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation