vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MS

Complaint narrative:
I discovered an entry on my credit report submitted by [ Collection Agency Name, e.g., Rent Recovery Solutions ] allegedly related to a debt with a reported balance of {$5900.00}. I immediately disputed this entry with XXXX  and followed up by submitting formal documentation, including a lease agreement and final move-out statement, demonstrating inconsistencies with the debts timeline and amount. 

In response, the collection agency stated only that they are in possession of documents validating the debt without providing any of the legally required supporting documentation. Under 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer disputes a debt in writing, the debt collector must cease collection activity until they provide verification of the debt, including : A copy of the original signed agreement or lease The full accounting ledger Documentation of the chain of custody/ownership of the debt Proof of licensure to collect in the state of Texas Itemized XXXX of all charges To date, I have not received any such documentation by mail or email. 

Therefore, I am formally requestingagain, under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) that the company produce the original validation documents within 15 days. Failure to do so will result in a follow-up complaint to the Federal Trade Commission ( FTC ) and the Texas Attorney Generals Office, as well as a request to the credit bureaus to suppress or delete the account due to failure to verify and provide adequate proof of debt.

Please note that continued reporting without proper validation constitutes a violation of the FDCPA and Fair Credit Reporting Act ( FCRA ), and may result in legal action.

I am willing to receive a formal response by email or certified mail. The company is expected to comply and fulfill its legal obligations before continuing to report or collect on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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: TN

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX  {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2025-05-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX  {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I deposited a check for {$1500.00} into my Bank of America account, which has been open for well over 30 days. Under Regulation CC ( 12 CFR 229.10 ( c ) ( 1 ) ( vii ) ), the bank is required to make {$220.00} of that deposit available by the next business day.

When I called Bank of America to confirm when the first {$220.00} would be released, I spoke with a supervisor, who clearly and repeatedly stated that no part of the deposit would be available until XXXX, XX/XX/XXXX. I informed the supervisor that this contradicted federal law, and I even cited the regulation word for word. Despite this, she told me that Regulation CC does not require them to make any amount available and that they are under no obligation to release funds before the full hold is up.

This information is false and constitutes a violation of federal banking law. I have a recorded conversation where the supervisor refuses to acknowledge the federal regulation, despite being corrected and read the law directly.

As a result, I have been left with zero access to legally available funds, causing emotional distress and financial strain, as I rely on those funds for essential daily needs.

Bank of America did not provide any exception notice justifying a full hold, and this situation indicates either a lack of staff training or deliberate noncompliance with federal regulations meant to protect consumers.

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 2025-05-13 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: PA

Complaint narrative:
I am the victim of identity theft and have submitted a police report and an FTC Identity Theft Report to LVNV Funding. Despite this, they continue to report a fraudulent debt on my credit report and have failed to remove it, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I never opened this account and did not authorize any charges related to it. I have provided more than sufficient documentation to prove the account is fraudulent, yet the company has not corrected their reporting or ceased collection efforts. 

I am requesting that the CFPB investigate this matter and ensure the debt collector removes this account from my credit reports and ceases all collection activity. 

Attached : FTC Identity Theft Report Police report Communication history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
When I tried calling the original debeter about this matter I was told that my phone number was not associated with any account at their company and that was before it went into collections. Then when I got the letter from Portfolio Recovery A, I gave them the same information that I was given, but they refused to accept it and the next month it wason my credit reports. I disputed it and they took it off a couple of months and then put it back on again everytime I get it taken off, because they didn't nor the supposedly original creditor had my correct phone number and I advised them that I haven't been able to get any new credit since my father passed in XXXX of XXXX, because they had my information that I was the one deceased and I never even applied for credit since that had happened and that's why they did not have the correct information for me. Yet, still everytime I dispute it and I get it taken off my credit reports they put it right back on and continue to call me several times a day no matter how many numbers from them I block. I also did a affidavit for identiy theft as they requested and sent it back to them and now they claiming they never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report with Experian, Equifax, and Transunion. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 

I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 

Accounts : 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 2025-05-13 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: IL

Complaint narrative:
CFPB Complaint Against XXXX XXXX XXXX XXXX XXXX ) Complaint Summary : I am filing this complaint against XXXX XXXX XXXX XXXX XXXX  ) for failure to comply with the Fair Credit Reporting Act ( FCRA ) and for furnishing inaccurate or unverifiable information to Equifax, XXXX  and XXXX. 

XXXX is reporting a tradeline on my Equifax, XXXX  and XXXX  credit file that is inaccurate, not verified with proper documentation, and was confirmed as verified without disclosing any basis of proof or method of verification. I have no knowledge of this account, have disputed it, and have asked repeatedly for proof that it belongs to me. 
Violations Committed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure to conduct a reasonable investigation as required under FCRA 623 ( b ) ( 1 ) after receiving notice of dispute from Equifax, XXXX and XXXX  ; XXXX. Failure to provide documentation or original source proof that I opened or owe the alleged account ; XXXX. Continuing to furnish disputed information that it either knows or should reasonably know is inaccurate in violation of FCRA 623 ( a ) ( 1 ) ( A ) ; 4. Providing incomplete or misleading results of investigation to Equifax, XXXX  and XXXX  and CFPB without proper validation ; XXXX. Acting in bad faith by confirming the account without resolving the substance of the dispute. 
XXXX XXXX  : Due to this account being reported and verified by XXXX : - My credit score has been harmed ; - I have been denied credit and housing ; - My reputation has been damaged ; - I am XXXX  ongoing financial and emotional harm due to the false credit reporting. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I applied at XXXX XXXX for a no interest for 12 months financing. I was offered alternative credit stating 6 months no interest. However, when I received the printout, the terms were not as agreed. The lender was XXXX XXXX XXXX. It said they would begin charging interest in the transaction date. I asked them to remove all information as if this never existed and they refused stating I had to work with XXXX XXXX on that. XXXX XXXX has also tried to get the application erased without success. The card was also opened with a previous married last name and not my current legal name that I provided via my drivers license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: DC

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the XXXX  Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint XXXX XXXXXXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my XXXX  credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-13 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: WI

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section XXXXB of the Fair Credit Reporting Act.

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 2025-05-13 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of Charge-Off Accounts XXXX XXXX XXXX XXXX  {$4300.00} XXXX XXXX  {$8000.00} XXXX XXXX XXXX XXXX  {$3400.00} XXXX XXXX {$120.00} Collection Account : XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) {$4300.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the 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 2025-05-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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