vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lendmark Financial Services
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : [ Insert Date ] WITHOUT PREJUDICE TO : Lendmark Financial Services XXXX XXXX XXXX XXXX, GA XXXX AND : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, PA XXXX RE : ACCOUNT # [ Insert if known ] Demand for Cease & Desist, Validation of Debt, and Removal from Credit Reports -- - To Whom It May Concern, This letter is a formal Cease and Desist and Debt Validation demand pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I dispute the validity of the alleged debt you claim is owed and request that you : 1. Provide full validation of the debt including : Original signed contract or agreement Complete payment history from the original creditor Chain of title proving lawful assignment of the debt Verification that you are legally entitled to collect 2. Cease all collection activity until full validation is provided, as required by 15 U.S.C. 1692g ( b ). 


3. Remove the charge-off from my credit reports with all credit reporting agencies immediately, as reporting unverifiable or inaccurate information violates 15 U.S.C. 1681s-2 ( a ) and constitutes continued collection activity without validation.

4. Note that the account in question is reported as a " Profit and Loss Write-Off '' / Charge-Off. Once a debt is charged off, it is recorded as a loss for tax purposes by the creditor. Reporting it as an active delinquent account without proof of legal collection rights is misleading, inaccurate, and prohibited under the FCRA. 



Be advised : You are hereby not authorized to contact me by phone, at my workplace, or through any third parties. 

All future communication must be in writing to the address above. 

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office, as well as consideration of civil action for statutory damages under the FDCPA and FCRA. 


If you can not produce the above documentation within 30 days from receipt of this letter, you must immediately : Cease all collection efforts Remove all negative references from my credit reports with XXXX XXXX XXXX XXXX Confirm in writing that this account has been deleted This letter is sent WITHOUT PREJUDICE, with all rights reserved. 

Sincerely, 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: Experian Information Solutions Inc.
State: MD

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 XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BALANCED {$0.00} XXXX XXXX Bankruptcy XXXX XXXX CT XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX EXPERIAN 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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Central Portfolio Control Inc.
State: LA

Complaint narrative:
The amount in question is {$1900.00}, reported on XX/XX/year>, by Central Portfolio Control. According to their records, the account was opened on XX/XX/year>. I requested that the company provide valid proof that I owe this debt, including documentation verifying the original creditor, the amount owed, and their legal authority to collect. The company failed to provide any such proof or validation. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on any debts reported. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), the company must cease all collection activities until they provide valid proof of the debt. 

Therefore, I am formally requesting that Central Portfolio Control immediately halt all collection efforts and remove this alleged debt from my credit report until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Genesis Credit ( Columbia Debt Recovery LLC dba Genesis ) XXXX XXXXXXXX XXXX XXXX, WA XXXX RE : Cease & Desist Demand for Immediate Removal of Collection Account Account No. : XXXX Amount Listed : {$9800.00} To Whom It May Concern, This letter is your final notice to immediately remove the above-referenced account from all consumer credit reports with XXXX XXXX XXXX XXXX 

The continued reporting of this alleged debt is a willful violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

Let me be crystal clear : A bill, statement, or invoice is NOT proper legal validation under 15 U.S.C. 1692g ( b ). The law requires you to produce : A copy of the original signed contract or agreement with my signature. 
A complete accounting and payment history from the original creditor. 
Documentation proving you have the legal right to collect and report this debt. 
If you can not provide this evidence, the law requires you to delete the account entirely not mark it paid, settled, or closed. 
CEASE & DESIST NOTICE : Effective immediately, you are instructed to cease and desist all contact with me, by phone, email, or mail, except to provide written confirmation that this account has been deleted from all credit reports. Any other contact will be considered harassment and a willful violation of the FDCPA, subjecting you to legal action. 

If you fail to comply, I will take the following steps without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 
Initiate civil action seeking statutory damages of {$1000.00} per FDCPA violation, plus actual damages, court costs, and attorneys fees. 
Pursue claims under the FCRA for willful noncompliance, with damages up to {$1000.00} per violation, plus punitive damages. 
You have 30 days from receipt of this letter to comply with my demand for complete deletion. If you can not validate, you must delete no exceptions, no negotiations. 
Sincerely, 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : 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: EQUIFAX, INC.
State: GA

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} INQUIRIES 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: 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Bank of America ( BOA ) regarding a misreported late payment on my credit card account and the banks failure to properly resolve the issue, despite multiple attempts over the past several months.

Background and Timeline : XX/XX/XXXX : I updated my checking account for automatic payments across all my credit cards, including BOA. While other institutions processed this change smoothly, BOAs system encountered issues. 

XX/XX/XXXX : I noticed a duplicate payment from both my old and new checking accounts. I called BOA, and an associate acknowledged the error, stating the old account had been removed and the setup was now correct. 

XX/XX/XXXX : I received a credit monitoring alert about a late payment on my BOA credit card. I contacted BOA again, and the representative explained that the automatic payment setup had broken due to the account update. 

I was told the account was current, the late fee waived, and a request had been submitted to clear the negative credit mark. 

XX/XX/XXXX : No changes appeared in my credit report. Upon another call, a third associate confirmed the previous request was never submitted, so she re-initiated the dispute. 

XX/XX/XXXX : I received a generic letter from BOA denying the correction, stating there was nothing wrong, with no explanation. I called again, and another representative re-submitted the request. 

XX/XX/XXXX : My account finally appeared current, but the late payment record remained on my credit report, continuing to negatively impact my credit score. The last change noted was : Dispute was removed. 



Issues : BOAs system error and lack of escalation protocols led to a broken auto-payment setup, even though it appeared active on my end. 

Despite multiple calls ( at least five ), I had to repeat my situation from scratch every time. 

Assurances made by representatives were not followed through, and multiple internal handoffs failed.

I have suffered credit score damage due to a situation that resulted from BOAs mishandling, not customer negligence.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned 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 2025-08-09 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$8300.00}

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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX NCB Management Services, Inc . 
XXXX XXXX XXXX XXXX, PA XXXX RE : Cease & Desist Demand for Immediate Removal of Collection Account Account No. : XXXX Amount Listed : {$5200.00} To Whom It May Concern, This letter is your final notice to immediately remove the above-referenced account from all consumer credit reports with XXXX XXXX XXXX XXXX

The continued reporting of this alleged debt is a willful violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

Let me be crystal clear : A bill, statement, or invoice is NOT proper legal validation under 15 U.S.C. 1692g ( b ). The law requires you to produce : A copy of the original signed contract or agreement with my signature.

A complete accounting and payment history from the original creditor.

Documentation proving you have the legal right to collect and report this debt. 
If you can not provide this evidence, the law requires you to delete the account entirely not mark it paid, settled, or closed. 
CEASE & DESIST NOTICE : Effective immediately, you are instructed to cease and desist all contact with me, by phone, email, or mail, except to provide written confirmation that this account has been deleted from all credit reports. Any other contact will be considered harassment and a willful violation of the FDCPA, subjecting you to legal action. 

If you fail to comply, I will take the following steps without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 
Initiate civil action seeking statutory damages of {$1000.00} per FDCPA violation, plus actual damages, court costs, and attorneys fees. 
Pursue claims under the FCRA for willful noncompliance, with damages up to {$1000.00} per violation, plus punitive damages. 
You have 30 days from receipt of this letter to comply with my demand for complete deletion. If you can not validate, you must delete no exceptions, no negotiations. 
Sincerely, 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: 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. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an email on XX/XX/year>, at XXXXXXXX XXXX that I had been approved for a Capital One credit card that I never applied for. 

I then received an email on XX/XX/year>, at XXXXXXXX XXXX stating that the card is on its way to my mailbox. 

The application for this card appears on my credit reports with all three credit bureaus.

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: MO

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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: NY

Complaint narrative:
I am writing under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to request the removal of any dispute statements, notes, comments, or remarks associated with the following account ( XXXX ) on my credit report : Account Name : XXXX XXXX XXXX Account Number : XXXX Dispute Note/Comment : Consumer disputes this account meets FCRA requirement

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