vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/year> DIVERSIFIED ADJ SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number XXXX To Whom It May Concern, I am responding to your phone call regarding the alleged debt with account number XXXX. I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the alleged debt, including an itemized statement of fees and interest.

2. The name of the original creditor and documentation proving you have the right to collect on this account.

3. A copy of the original signed agreement creating the debt.

4. Documentation showing the chain of ownership of the debt ( if it has been sold or transferred ).

5. Proof that your company is licensed to collect debts in my state. 

Be advised that until you provide proper validation, you must cease all collection activity and reporting of this alleged debt to credit bureaus. 

If you are unable to provide the requested documentation, you must cease all collection efforts and remove any negative credit reporting related to this account. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HILLTOP HOLDINGS, INC

Complaint narrative:
Open an account in 2019 with several deposits, totalizing {$85000.00}, say to the bank that the amount wont be used because it is for retirement and saving. Unless special request by myself, which I did and left around {$55000.00}. Not use a debit card, use my wife card instead, with other account. The bank never send monthly or annually statements. I requested to put my account in inevsting account in order to earn some money. Which will be used after a couple of years. They say that will send Emails or Postal mail with information. Never send it. Also they say that the internet account it was not possible to use from XXXX. Unless I received a phone call from the bank to first use, they never called. Went to the bank after a couple of years in order to collect the money and found that there were only {$740.00} I said ok that is the interest, they said, I'ts wath is left. I started to make complains with them and they deposit {$1400.00} as a gift in order to compensate for the missing {$55000.00}. I scalate the complain but nothing is working, they refuse saying that they have serveral forms to avoid scam and fraud. I decided to pust some money in the account and use it, to verify this. It was something like {$8000.00}. Then I used my debit card in XXXX XXXX, XXXX Arizona, XXXX California, XXXX XXXX Texas and found out that there is not any security related to my debit card. It was easy to use, no pin needed, no verification and so on. The bank said it was my reponsability to monitor the account. I said it was their fault not sending statements because I soon as I have the first statement, I said all this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AZ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - 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 XXXXXXXX FRAUDULENT INQUIRIES : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-01 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: MI

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

1681c2 ) that you, the TransUnion 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/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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, 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 2025-10-01 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 did not authorize these accounts at all and they are not mine. I would like these accounts to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: SC

Complaint narrative:
I did not authorize these accounts at all and they are not mine. I would like these accounts to be removed from my credit report immediately.

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 2025-10-01 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: MD

Complaint narrative:
Under FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ), I am disputing the XXXX BANK XXXX XXXX you report as follows : Status lines you display : Closed ; Payment Status : Collection/Chargeoff ; Creditor Remarks : Paid charge off ; Account previously in disputenow resolved by data furnisher. 
Balance : {$0.00} ; High Balance : {$1500.00} ; Date Reported : XX/XX/XXXX Days Late 7 Year ( Equifax ) : 30 : 1 ; 60 : 1 ; 90 : 6.

These entries are internally inconsistent and misleading. Showing a Collection/Chargeoff status for a {$0.00} balance that you also label Paid charge off fails maximum possible accuracy and does not conform to Metro 2 mapping for a paid/settled outcome ( which should reflect a final paid/settled status code rather than an ongoing charge-off 97/CO style status ). In addition, any 30/60/90/CO months that post-date or overlap the paid/closure are inaccurate. 
All late/derog months for this tradeline are disputed. Specifically, I dispute every month in your Payment History Profile and Days Late 7 Year that you have coded 30/60/90 and any months coded CO/derogatory.

Your obligations Conduct an independent reinvestigation and obtain documentary evidence : Running statements for the entire delinquency period ; and the payment posting ledger showing due date date received date posted for each month you coded late and for the CO sequence.

The Date of First Delinquency ( DOFD ) you relied on for the charge-off.

Final accounting showing how/when the balance reached {$0.00} and the correct Metro 2 status that should replace collection/chargeoff.

Codes are not proof. A mere furnisher checked/verified code is not sufficient. See Cushman v. TransUnion, 115 F.3d 220. If the item can not be verified to that standard, you must delete the late/CO codes and correct the status to paid/settled, or delete the entire tradeline under 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding Wells Fargos mishandling of a fraudulent account that has been wrongfully attributed to me. 

Wells Fargo has attempted to accuse me of having a debit account that their own representatives later confirmed was not my account. Despite this, Wells Fargo also attempted to claim that I had a payment plan associated with the account, which is entirely false. Each time I created a dispute this account they falsely accuse me of something else and I continue to prove my innocence. Their communications have been inconsistent and misleading also with this credit card account! I am fighting for my life to prove that I'm the victim of identity theft. 

When I disputed the account, Wells Fargo stated that I did not provide enough information for them to remove it from my credit file. To strengthen my case and remove any doubt, I am now submitting a police report confirming that I am a victim of identity theft. Importantly, the suspect who created this account in my name did not present valid identification when opening the account. This should have immediately raised concerns about Wells Fargos account opening procedures and their failure to properly verify the applicants identity before allowing the account to be created.

The continued reporting of this fraudulent account has caused me sleepless nights, stress, and anxiety. Wells Fargos refusal to properly investigate violates my rights under the Fair Credit Reporting Act ( FCRA ) and demonstrates a failure to follow proper dispute procedures.

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 2025-10-01 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: NC

Complaint narrative:
I have called Experian over 15 times today & can not speak to anyone. This is ridiculous. I should be able to speak to a representative & not have to go through their archaic system where my dispute just gets lost. The update to my loan was done in XX/XX/year> & I was told it would take a maximum of 60 days to show up on my credit reporting & it has not that should be enough to let me speak to a representative and not have the bot hang up on 15 times.

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 2025-10-01 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: CA

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : DPT EDXXXX ( {$530.00} ), DPT EDXXXX XXXX {$680.00} ), DPT EDXXXX ( {$1400.00} ), DPT EDXXXX ( {$830.00} ) , DPT EDXXXX ( {$920.00} ), DPT ED/XXXX ( {$540.00} ), XXXX XXXX XXXX XXXX {$740.00} ), XXXX  ( {$3000.00} XXXX XXXX XXXX XXXX  ( {$20000.00} ), XXXX ( {$740.00} ). Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX 
The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-10-01 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: SC

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXXXXXX XXXX XXXX XXXX XXXX ( {$3000.00} ), XXXX ( {$0.00} ), XXXX XXXX  ( {$500.00} ), XXXXXXXX XXXX XXXX XXXX XXXX ( {$6400.00} ), XXXX  ( {$720.00} ), XXXX XXXX ( {$0.00} ), XXXX XXXX ( {$800.00} ), XXXX XXXX XXXX ( {$0.00} ), XXXX XXXX XXXX ( {$7100.00} ), XXXX XXXX ( {$10000.00} ). Inquiries : XXXX XX/XX/year>. The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-10-01 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LVNV FUNDING LLC XXXX Debt Buyer Dear [ Credit Report Company 's Representative ], Dispute and Request to Remove Inaccurate Information I am writing to dispute the following account ( s ) on my credit report : [ Account Name, Account Number ]. This account is inaccurate and should be removed from my credit report. 

The reason for this dispute is : [ State the reason, e.g., " paid in full, '' " not my account, '' " incorrect information '' ]. I have attached supporting documentation, which includes [ list attached documents, e.g., " proof of payment, '' " identification '' ]. 

I request that you investigate this dispute and remove the inaccurate information from my credit report. Please update my report to reflect the corrected information. 

My credit report details are as follows : - Name : XXXX XXXX - Date of Birth : XX/XX/XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of this inaccurate information from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: MD

Complaint narrative:
Information relating to my driving history - as reported via XXXX  to my insurance, XXXX XXXX- is incorrect. Specifically, my father, who shares the same name, had two small accident claims which were closed ; however, that information is listed on my driver record. I have contacted the motor vehicle administration for Maryland, and they informed me to file a dispute against XXXX. My XXXX  record states that on XX/XX/XXXX and XX/XX/XXXX I had two not at fault accidents ; however, I did not even have a license at the time, and those were the same dates listed on my father 's driving record - they coincide with the date of his two small accident claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am disputing two accounts reported by Portfolio Recovery Associates ( PORTFOLIO RC ), one allegedly originating from XXXXXXXX XXXX with a balance of {$3700.00}, opened XX/XX/year>, and another allegedly from XXXX XXXX XXXX XXXX with a balance of {$2600.00}, opened XX/XX/year>. I have never opened accounts with Portfolio Recovery Associates nor had any business relationship with them. I formally requested, pursuant to FDCPA 1692g, verification of ownership, a complete chain of title, detailed itemization of the alleged debts, and proper debt validation notices, yet Portfolio RC has failed to provide any of this documentation. Reporting these unverified accounts to credit bureaus violates FCRA 1681i and constitutes unfair, deceptive, or abusive practices under UDAAP. I am filing this complaint with the CFPB and demand the immediate removal of both accounts from all credit reporting agencies.

Company response to consumer: Closed with explanation