vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: UT

Complaint narrative:
XX/XX/XXXX I sent a letter to XXXX XXXX for a request for debt validation. This was ignored. XX/XX/XXXX I filed a formal complaint with the CFPB. XXXX XXXX never responded and instead said an unauthorized 3rd party was using my account despite providing validation of who I am. XX/XX/XXXX I filed another complaint with the CFPB to which XXXX XXXXXXXX also ignored until I filed a complaint in court. XXXX XXXX responded admitting there is no contract and stating my social security number was all that was needed. They then provided statements which are no form of validation under the law. XXXX XXXX has also been issued a cease and desist letter. XXXX XXXX has ignored this letter and has now sold this alleged debt to LVNV Funding and Resurgent Capital Services. I will be suing XXXX XXXXXXXX and possibly LVNV Funding/ Resurgent Capital Services depending on the outcome. I have sent formal paper copies of all documentation to LVNV Funding and Resurgent Capital services. I am using the CFPB to form a paper trail that can not be disputed and to make sure all parties involved know without a doubt that they are in violation of several laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX  Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report. These accounts are reported inaccurately and contain significant errors. I request your prompt investigation and removal of the disputed items in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
I have a new credit card I'm trying to pay the processing fee you but it won't let me they want to use checking or savings I want to use a debit card to use a real time money transaction to make sure there's no missed payment

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 2025-12-18 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX  XXXX, Account Number : XXXX XXXX XXXX, Account Number : 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 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. Outstanding Compliance Issue
s :

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
This letter is being sent in response to your reporting and/or collection activity regarding the above-referenced account. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request full validation of this alleged debt.

Please provide the following document
ation : Proof that Jefferson Capital Systems , LLC has the legal authority to collect on this account, including a complete chain of assignment from the original creditor. 

A copy of the original signed contract or agreement bearing my signature. 

A complete payment history showing how the alleged balance was calculated.

Verification of the date of default and the date the account was charged off.

Proof that the statute of limitations has not expired.

Evidence that this debt has not been paid, settled, or otherwise discharged.

Documentation that all required disclosures were provided at account origination, as required by applicable federal law. 

Until this information is provided, you must cease all collection activity, including credit reporting, as required by the FDCPA. 

If you are unable to provide the requested documentation, I demand that you immediately cease reporting this account to all consumer reporting agencies and consider the matter closed. 

This request is not an acknowledgment of liability or an admission of responsibility for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-18 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccuracies and discrepancies in my credit report as provided by the three major credit bureaus. Below are the details of the accounts in dispute, along with the reason for the dispute. 

1. XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} 2. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} 3. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} 4. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} 5. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} 6. XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} 7. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Inquiries : 1. XXXX XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX 4. XXXX XXXX XXXX Date XXXX XX/XX/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 2025-12-18 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: FL

Complaint narrative:
I am submitting this complaint regarding Experians continued reporting of inaccurate, unverifiable, and unrecognized information on my credit report. Despite my rights under the Fair Credit Reporting Act, Experian is reporting personal information, accounts, collections, and inquiries that are either not mine or not being reported accurately. 
Experian is reporting the address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, which is not my address. I have no knowledge of this address, have never lived there, and have no association with it. This address is inaccurate and must be deleted from my credit file. 
Experian is reporting late payment history on several accounts that I dispute as inaccurate. These include XXXX XXXX XXXX ( Account XXXX, opened XX/XX/XXXX ), XXXX ( Account XXXX, opened XX/XX/XXXX ), XXXX  ( Account XXXX, opened XX/XX/XXXX ), and XXXX  ( Account XXXX, opened XX/XX/XXXX ). The late payment information on these accounts is not being reported correctly and must be properly verified or corrected. 
Experian is also reporting multiple accounts as charge-offs that I do not recognize and have no knowledge of. These include XXXX Bank XXXX ( XXXX ), XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ), XXXX  XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX )XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I do not recognize these accounts as mine, and Experian has not provided competent evidence that they belong to me or are being reported accurately. These accounts must be fully investigated and deleted or corrected if they can not be verified. 
Experian is further reporting collection accounts from XXXX XXXX  ( Accounts XXXX, XXXX, and XXXX ) that I do not recognize and have no knowledge of. These collection accounts are not mine and must be removed unless Experian can properly verify them. 
Additionally, Experian is reporting inquiries that I did not authorize, including XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ). These inquiries are inaccurate and should not appear on my credit report. 
I am requesting that the CFPB require Experian to conduct a proper and lawful reinvestigation of each disputed item, verify all information with original and competent documentation, and immediately delete or correct any information that can not be fully verified. I am also requesting that Experian provide me with an updated and accurate copy of my credit report once these corrections are completed. 
This complaint is submitted to ensure compliance with the Fair Credit Reporting Act and to stop the continued reporting of inaccurate information on my credit file.

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 2025-12-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting this complaint against Equifax Information Services LLC for repeatedly failing and refusing to conduct a reasonable reinvestigation of my credit report disputes, despite my full compliance with all requirements under the Fair Credit Reporting Act ( FCRA ). 

I have mailed written dispute letters to Equifax, including my most recent dispute dated XX/XX/year>, in which I clearly identified inaccurate, incomplete, and inconsistent information appearing on my consumer credit report. Along with my dispute letter, I properly included all documentation required to verify my identity, including government-issued identification, proof of address, and signed correspondence, establishing that I am the consumer submitting the dispute. 

Despite receiving this information, Equifax has continuously failed to respond and has refused to conduct a lawful reinvestigation, as required by FCRA 611 ( 15 U.S.C. 1681i ). Equifax has not completed a reasonable investigation within the statutory timeframe, nor has it provided written results explaining how the disputed information was verified. This repeated inaction constitutes a clear violation of my consumer rights. 

The disputed information includes accounts, collections, inquiries, and personal information that are inaccurately reported, reported with material discrepancies, or lacking proper verification, all of which are detailed in my attached dispute letter. These inaccuracies are causing ongoing harm to my credit profile and financial standing. Under the Fair Credit Reporting Act, once a consumer submits a dispute with sufficient identifying information, a consumer reporting agency is legally required to conduct a reasonable reinvestigation and to delete or correct any information that can not be verified. Equifaxs continued refusal to do so represents negligent and willful noncompliance with federal law, including but not limited to : FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy FCRA 609 and 610 Failure to properly handle consumer disclosures and disputes Because Equifax has continuously failed to fulfill its statutory obligations, I am requesting that the Consumer Financial Protection Bureau intervene to ensure my consumer rights are upheld under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: HI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-18 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: HI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
I discovered that my personal information was used without my authorization to open accounts and generate credit inquiries that I did not apply for or approve. I did not sign any applications or agreements and did not benefit from the disputed activity. 

After reviewing my credit reports, I identified accounts, inquiries, addresses, and name variations that do not belong to me. I am submitting this report in good faith to correct inaccurate credit reporting and prevent further misuse of my information. 

I certify that this information is true and correct to the best of my knowledge.

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 2025-12-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I discovered that my personal information was used without my authorization to open accounts and generate credit inquiries that I did not apply for or approve. I did not sign any applications or agreements and did not benefit from the disputed activity. 

After reviewing my credit reports, I identified accounts, inquiries, addresses, and name variations that do not belong to me. I am submitting this report in good faith to correct inaccurate credit reporting and prevent further misuse of my information. 

I certify that this information is true and correct to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: CO

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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