vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX, SC, XXXX Subject : Request for Debt Validation Pursuant to FDCPA To Whom It May Concern, I am writing in response to a notice I received regarding an alleged debt. This is not a refusal to pay, but a request for validation of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including an itemized breakdown of interest, fees, and other charges.

3. A copy of the original signed agreement or contract that shows I agreed to this debt.

4. Proof that you are licensed to collect debts in my state.

5. Documentation that you have the legal right to collect this debt.

Until you provide the requested validation, and as required by law, please cease all collection activities, including reporting to credit bureaus.

Be advised that I am keeping records of all correspondence regarding this matter. Any attempt to collect this debt without proper validation will be considered a violation of the FDCPA and may be reported to the Federal Trade Commission, the Consumer Financial Protection Bureau, and my state Attorney Generals office. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: VA

Complaint narrative:
To Whom It May Concern, the account from XXXX XXXX XXXX was deleted from my credit report following my dispute. 

It has now been reinserted without my consent, without proper notice, and without valid verification. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) A previously deleted item may not be reinserted unless the furnisher has certified its accuracy and the consumer is provided written notice within 5 business days of reinsertion. 
15 U.S.C. 1681s-2 ( b ) A furnisher must conduct a reasonable investigation before certifying. Providing inaccurate or incomplete information is a violation. 

I demand : 1. Immediate permanent deletion of this account from my credit report. 
2. A full copy of the certification and investigative documents provided by XXXX XXXX XXXX. 
3. Written confirmation within 15 days that this account will not be reinserted again without full legal compliance. 

Failure to comply will leave me with no choice but to pursue all available remedies, including : Filing formal complaint to FTC, This is your final notice before legal escalation u have 5 business days days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: NV

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: FL

Complaint narrative:
XXXX is providing erroneous information to XXXX Screening report about my record. Showing criminal record in Texas where I never has been or lived. This information doesnt belong to me. Im getting a hard time because this and need to be fixed asap. No any other agency is reporting this erroneous information. Federal record neither is an XXXX internal error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-09 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$4800.00} UNAUTHORIZED INQUIRIES : XXXX XXXX, 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 2025-08-09 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Albert Corporation
State: LA

Complaint narrative:
I have been trying to close this account for 2 years now. I have tried reaching out to customer service and they give me the run aroud. In the meantime they are contining to hit my bank account for {$29.00} a month and wont stop until I deactivate my account which they wont let me do. They said all my accounts have to be XXXX balance and they are finally but now to close my account tbey want me to verify the last 4 digits of a card I do not have! When I try to see the card number on the app it conveniently saays unable to connect to a server and then it wont let me take ascreen shot of that message to prove that because it says they dont allow screenshots of the app, but it will let me take a screen shot of anything else in the app.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : U.S. Bankruptcy Court # XXXX - Date Opened 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 explanation
Consumer complaint received 2025-08-09 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: VA

Complaint narrative:
To Whom It May Concern, the account from XXXX XXXX XXXX was deleted from my credit report following my dispute. 

It has now been reinserted without my consent, without proper notice, and without valid verification. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) A previously deleted item may not be reinserted unless the furnisher has certified its accuracy and the consumer is provided written notice within 5 business days of reinsertion. 
15 U.S.C. 1681s-2 ( b ) A furnisher must conduct a reasonable investigation before certifying. Providing inaccurate or incomplete information is a violation. 

I demand : 1. Immediate permanent deletion of this account from my credit report. 
2. A full copy of the certification and investigative documents provided by XXXX XXXX XXXX. 
3. Written confirmation within 15 days that this account will not be reinserted again without full legal compliance. 

Failure to comply will leave me with no choice but to pursue all available remedies, including : Filing formal complaint to FTC, This is your final notice before legal escalation u have 5 business days days

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 2025-08-09 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: VA

Complaint narrative:
To Whom It May Concern, the account from XXXX XXXX XXXX was deleted from my credit report following my dispute. 

It has now been reinserted without my consent, without proper notice, and without valid verification. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) A previously deleted item may not be reinserted unless the furnisher has certified its accuracy and the consumer is provided written notice within 5 business days of reinsertion. 
15 U.S.C. 1681s-2 ( b ) A furnisher must conduct a reasonable investigation before certifying. Providing inaccurate or incomplete information is a violation. 

I demand : 1. Immediate permanent deletion of this account from my credit report. 
2. A full copy of the certification and investigative documents provided by XXXX XXXX XXXX. 
3. Written confirmation within 15 days that this account will not be reinserted again without full legal compliance. 

Failure to comply will leave me with no choice but to pursue all available remedies, including : Filing formal complaint to FTC, This is your final notice before legal escalation u have 5 business days days

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 2025-08-09 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance : {$460.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX 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 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 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the XXXX XXXX, and Transunion breach.

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 2025-08-09 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: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
On XX/XX/year>2025, I reviewed my credit report and found several hard inquiries that I did not authorize. Specifically, inquiries from [ list creditor/company names ] on [ list dates ] appear without my consent. 

I have not applied for credit, loans, or services with these entities, nor did I grant permission for my personal information to be accessed for a credit check. These inquiries are unauthorized and negatively impact my credit score.

I am requesting that the companies involved provide proof of my authorization for these inquiries. If no such proof exists, I am requesting immediate removal of these inquiries from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), which protects consumers from inaccurate or unauthorized reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I filed a fraud claim with Bank of America for an unauthorized transaction. My original claim was denied on XX/XX/XXXX. 

After that denial, I appealed and sent over 19 pages of solid evidence proving that XXXX XXXX pressured me into paying a debt that was already being handled by another firm since XXXX. This included screenshots of threatening voicemails, payment arrangements from XXXX, documents confirming the original account numbers are the same, proof of my last payment on XX/XX/XXXX, and on XX/XX/XXXX, I provided new confirmation from XXXX XXXX XXXX XXXX verifying I was paying another firm for the same alleged debt. The XXXX Bank XXXX XXXX merchant collected on was improper. I faxed all this documentation to Bank of America while the claim was still marked as under research. 

Despite this clear new evidence, Bank of America closed my claim again on XX/XX/XXXX. They did not issue a credit or provide any explanation addressing the new information. This appears to violate Regulation E, which requires a reasonable and good faith investigation of disputes and consideration of all relevant evidence. 

Bank XXXX XXXX handling of my claim has caused me financial harm by forcing me to pay the same debt twice. I have received no transparency on why my evidence was ignored.

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 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting to all credit bureaus that this account ( # XXXXXXXX XXXX XXXX XXXX  ) was charged off. A 1099 was never received after the account was charged off from the creditor. Account underwent a debt consolidation plan and payments have been paid.

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 2025-08-09 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting to all credit bureaus that this account ( # XXXXXXXX XXXX XXXX XXXX  ) was charged off. A 1099 was never received after the account was charged off from the creditor. Account underwent a debt consolidation plan and payments have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: NY

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX  XXXX XXXX BALANCED {$4900.00} XXXX XXXXXXXX BALANCED {$440.00} XXXX  XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$1400.00} XXXX/XXXX  XXXX XXXX {$2300.00} XXXX/XXXX  XXXX BALANCED {$3100.00} XXXX XXXX BALANCED {$150.00} XXXX XXXX  XXXX XXXX BALANCED XXXX XXXX/XXXX  XXXX BALANCED {$0.00} XXXX  XXXX  - XX/XX/year> XXXX  - XX/XX/year> 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 explanation