vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
RE : Debt Validation Request under FDCPA 809 ( 15 USC 1692g ) Collection Agency : Conserve ( Continental Service Group , Inc. ) Reported Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Reported Balance : {$800.00} Dear Conserve Compliance Department, I am formally disputing the above-referenced account and requesting full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA 809, 15 USC 1692g ) and the Fair Credit Reporting Act ( FCRA 609 & 611, 15 USC 1681g/h ). 

I do not recognize this account as a valid obligation. Therefore, please provide the following documentation to establish your legal right to collect and report this account : A copy of the original signed contract, enrollment agreement, or other instrument with XXXX XXXX XXXX bearing my legal signature. 
A complete itemized accounting of the alleged balance of {$800.00}, including dates of charges, credits, interest, and fees showing how the balance was calculated. 
Documentation proving the transfer, assignment, or purchase of this account from XXXX XXXX XXXX to Conserve. 
A copy of your license and authorization to collect debts in the State of Georgia.

The name, address, and title of the original creditors representative who verified this debt to you. 
Until you provide the above documentation : You must cease all collection activity, including reporting to consumer reporting agencies. 
If validation can not be produced, you must immediately request deletion of this account from XXXX, XXXX, and XXXX. 
Please be advised that continued reporting or collection of this unvalidated debt constitutes a violation of the FDCPA 807 ( false or misleading representations ) and the FCRA 1681e ( b ) ( requirement of maximum possible accuracy ). Violations will be pursued through regulatory and legal remedies as needed.

This request is for validation purposes only and does not represent acknowledgment of any liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: MO

Complaint narrative:
I opened a newNetspend debit account on XX/XX/year>, after reading about a promotion that promised to pay me a {$200.00} bonus within five business days of receiving a direct deposit of {$400.00} or more into my account within 60 days. The amount of {$400.00} was deposited directly into my account on XX/XX/year>. However, Istill havenot receivedthe {$200.00} bonus I was entitled to under these terms and conditions as of 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by XXXX. 
Details of the Dispute : 1.Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX XXXX but it is incorrectly listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that my name be updated to reflect the correct information. 
2.Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX Fl XXXX, while my credit report shows an outdated address of : XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 
I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license and Social Security A recent bank statement showing my current address. 
Request for Confirmation : I request that XXXX  investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me by email at XXXX. 
Thank you for your prompt attention to this matter.

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 2025-08-18 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX A Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-16 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit was XXXX in XXXX  and then it dropped dramatically without anything on my part, to create that decrease. I have been contacting all 3 agencies and they don't offer a live agent to explain to me, what caused this. I have also had my SS info and email address compromised into the Dark Web. XXXX alerted me to those facts.

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 2025-08-17 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:
Experian is willfully reporting alleged debts that originate from third-party debt collectors and charge-off accounts without verifying lawful ownership, assignment, or the chain of title per FCRA 609 ( a ) ( 1 ) and 611. 

Specifically, Experian is furnishing tradelines from non-original creditors, which constitutes a novation violation the legal transfer of obligation is incomplete without my express consent or signature, which does not exist. 

Under the FCRA and 15 USC 1681, reporting unvalidated accounts with no original agreement, contract, or notarized affidavit amounts to defamation of credit and furnishing inaccurate information. 

Additionally, charged-off accounts are being reported without validating whether the reporting entity retains legal claim a clear breach if the debt was sold or settled. These should be deleted, not passed around like currency. 

Experian is complicit in circulating fraudulent data without performing its legal duty to investigate or demand original documentation from furnishers.

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 2025-08-17 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:
Experian is willfully reporting alleged debts that originate from third-party debt collectors and charge-off accounts without verifying lawful ownership, assignment, or the chain of title per FCRA 609 ( a ) ( 1 ) and 611. 

Specifically, Experian is furnishing tradelines from non-original creditors, which constitutes a novation violation the legal transfer of obligation is incomplete without my express consent or signature, which does not exist. 

Under the FCRA and 15 USC 1681, reporting unvalidated accounts with no original agreement, contract, or notarized affidavit amounts to defamation of credit and furnishing inaccurate information. 

Additionally, charged-off accounts are being reported without validating whether the reporting entity retains legal claim a clear breach if the debt was sold or settled. These should be deleted, not passed around like currency. 

Experian is complicit in circulating fraudulent data without performing its legal duty to investigate or demand original documentation from furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
XXXX  falsely reported late payments for XXXX and XXXX damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am formally requesting the following documentation as required by law to properly validate the alleged debt : A complete chain of title/chain of custody from the original creditor to Midland Credit Management , including all intermediate assignments.

The Forward Flow Agreement or equivalent agreement governing the sale or transfer of the account.

An executed Contract of Assignment or Bill of Sale demonstrating that Midland Credit Management acquired full legal rights to enforce the account.

The original signed credit agreement and complete account-level documentation substantiating the amount and terms of the alleged obligation.

This request is supported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which held that failure to produce the chain of title and purchase agreements constitutes insufficient validation under federal law. The court specifically clarified that a mere data printout or internal record does not satisfy validation requirements ; proper documentation of assignment and ownership is mandatory.

If these documents are not provided through this CFPB process and Midland Credit Management continues to report this account to credit bureaus or engage in collection efforts, such conduct will constitute willful violations of the FDCPA and FCRA.

This serves as my final notice and intent to initiate litigation in federal court for all applicable claims if full compliance with the law is not achieved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to address an urgent matter regarding my XXXXXXXX XXXX account. Unfortunately, I fell victim to fraud, as did many others. I rarely used this account, which I believe allowed someone to gain unauthorized access and issue a large check that did not clear. I was completely unaware of this situation until the bank informed me, and as a result, I was left with an outstanding balance for which I should not be held responsible.

Now, I find myself listed in the XXXX XXXX with an early warning, which may prevent me from opening new accounts in the future. This fraudulent activity is also reflected in my credit report. I
would like to bring to your attention that my rights have been violated under 15 U.S.C. 1692 ( C ) due to the improper use of communication regarding this matter.

I kindly request the removal of the early warning from my credit report, as this situation was not a result of my actions.

Thank you for your attention to this matter.

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 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Type of Debt : Credit Card I am formally disputing the above-referenced account that you are reporting to the credit bureaus as a credit card debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request full validation of this alleged debt. 
Please provide the following : Proof that you own or have been assigned this debt and the authority to collect it. 
The name and address of the original creditor. 
A copy of the original signed agreement or contract bearing my signature. 
A complete itemized statement showing how the balance was calculated, including all interest, fees, and payments. 
Documentation establishing that this debt is legally enforceable in my state.

Until such documentation is provided, this debt is unverified and must not be collected or reported to any consumer reporting agency under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Furthermore, pursuant to my rights under FDCPA 805 ( c ), 15 U.S.C. 1692c ( c ), I am demanding that you cease and desist all communication with me regarding this account, except to provide the requested validation or to confirm in writing that the account has been deleted and collection efforts have ceased.

Failure to comply with this request will be considered a violation of federal law, and I will not hesitate to pursue further remedies through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: AL

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
LVNV shows I have an outstanding debt of {$1200.00} for XXXX XXXX XXXX XXXX this debt was paid through another collection agency, XXXX XXXX, after disputing with LVNV through the dispute process with XXXX, LVNV did not remove the collections account from my credit report.... 

LVNV Funding LLC # XXXX ( C/O Resurgent Capital Services, XXXX XXXX XXXX, XXXX, SC XXXX, XXXX I am not sure if XXXX XXXX also bought my old debt from XXXX XXXX XXXX XXXX  , however the two do not seem to communicated, LVNV does not want to do the right thing and remove the debt regardless of which collection company was paid, and these immortal and unethical collection practices need to be reported, addressed, and stopped... 

I have attached my email communications with XXXX XXXX representing XXXX XXXX XXXX showing the debt was paid... 

Thank You for Helping me...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint because the three credit bureaus ( TransUnion, Experian, Equifax ) are reporting inaccurate and outdated personal information in my credit file. 
The following information is incorrect and should be removed : Names : XXXX XXXX, XXXX XXXX XXXX ( incorrect variations of my legal name ) Addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( all outdated/inaccurate ) Phone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( all outdated/inaccurate ) The only correct and current information that should remain on file is : Full Legal Name : XXXX XXXX XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX Number : ( XXXX ) XXXX Why This is a Violation Under the Fair Credit Reporting Act ( FCRA 609 & 611 ), consumer reporting agencies are required to maintain accurate and up-to-date information. Maintaining incorrect spellings of my name, outdated addresses, and wrong phone numbers : Creates a risk of mixed files or mistaken identity.

Provides a false basis for verification of debts that may not belong to me.

Is a direct violation of accuracy standards under the FCRA.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because the three credit bureaus ( TransUnion, Experian, Equifax ) are reporting inaccurate and outdated personal information in my credit file. 
The following information is incorrect and should be removed : Names : XXXX XXXX, XXXX XXXX XXXX ( incorrect variations of my legal name ) Addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( all outdated/inaccurate ) Phone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( all outdated/inaccurate ) The only correct and current information that should remain on file is : Full Legal Name : XXXX XXXX XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX Number : ( XXXX ) XXXX Why This is a Violation Under the Fair Credit Reporting Act ( FCRA 609 & 611 ), consumer reporting agencies are required to maintain accurate and up-to-date information. Maintaining incorrect spellings of my name, outdated addresses, and wrong phone numbers : Creates a risk of mixed files or mistaken identity.

Provides a false basis for verification of debts that may not belong to me.

Is a direct violation of accuracy standards under the FCRA.

Company response to consumer: Closed with non-monetary relief