vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX  Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Re : Request for Assignment Contract and Validation of Alleged Debt To Whom It May Concern, This letter is a formal request for validation and verification of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I request the following : 1. A copy of the assignment contract or other documentation proving that XXXX XXXX XXXX has legal ownership and standing to collect this alleged debt. This must include a full chain of title, identifying each assignment from the original creditor to your company. 

2. A copy of the original signed agreement or contract that created this debt, bearing my signature.

3. A complete itemized statement of the debt, including the original amount, interest, fees, and any other charges claimed.

4. The name and address of the original creditor, and the date of charge-off or default.

Please be advised that until this documentation is provided, I request that you cease all collection activities, including phone calls, letters, and credit reporting. 
I would also like to draw your attention to XXXX XXXX XXXX XXXX XXXX, XXXX, Record No. 
XXXX ( XXXX XXXX XXXX. XXXX XXXX, XXXX ), in which the XXXX XXXX XXXX XXXX reversed a judgment in favor of a debt buyer because the company failed to prove ownership of the debt. As this case demonstrates, a debt buyer must provide concrete evidence of legal assignment and standing in order to enforce or collect a debt. 
If you are unable to validate this debt in accordance with the law and as emphasized in the XXXX decision, you are required to cease all collection efforts and remove any related derogatory information from all consumer credit reports. 
Please respond in writing within 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Someone open an card under my name over the phone. Synchrony Bank open an account over the phone with someone else.

I don't have possession of the card.

I also sent in a identity theft report and police report to show I am a victim of identity theft. They seem to not care they keep demanding for payments that's aren't mine.

They are threatened me with litigation. Instead of following the law and dismissing this as I have had documents sent over in regards 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 2025-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am disputing the inaccurate and unlawful reporting of an auto loan account from XXXX XXXX XXXX, listed under my credit reports with account number ending in XXXX. This account was illegally repossessed and is now inaccurately reporting as a charge-off with a status of paid profit and loss on both XXXX, EXPERIAN, and XXXX, and includes a pattern of multiple consecutive 120-day late entries. 

This auto loan was repossessed without proper notice, without a right to cure letter, and in direct violation of Massachusetts General Laws Ch. 255B 20A & 20B. Under Massachusetts law, creditors must provide a 21-day right-to-cure notice before repossession. I was never provided such notice. Furthermore, no post-sale deficiency balance, accounting, or notice of sale was ever sent to me in violation of UCC 9-614 and FTC guidelines under the Credit Practices Rule.

Additionally, under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681s-2 ), data furnishers are legally required to report only accurate and verifiable information. If the vehicle was repossessed in violation of consumer protections and state-specific pre-repo requirements, any charge-off or delinquency associated with it is inaccurate, misleading, and legally void. This tradeline is currently misleading and causes undue harm to my credit profile in violation of the FCRA and Section 807 ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ).

To date, the creditor has failed to provide any legally required documents, including : Original signed loan agreement Notice of default or acceleration Right-to-cure notice ( XXXX XXXX XXXX XXXX ) Notice of repossession and sale Post-sale deficiency explanation or accounting This failure constitutes a violation of my consumer rights, and I am requesting that this account be permanently deleted due to failure to validate, failure to comply with state repo law, and inaccurate reporting.

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 2025-05-02 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: IL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-05-02 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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 2025-05-02 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: NJ

Complaint narrative:
Subject : Unauthorized Credit Inquiries SECOND ATTEND To Whom It May Concern, I am writing to request an investigation into unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( XXXX U.S.C. XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ), I request that these inquiries be reviewed and removed if they are found to be unauthorized or incorrect.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-02 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XXXX XXXX XXXX To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor has you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance.

Documentation Still Required : Despite my prior request, you have not produced any of the following : 1. A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2. Records or communications used to verify the accuracy of the disputed information ; 3. Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where failure to conduct a reasonable reinvestigation was held as willful noncompliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

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 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the collection account reported by XXXX XXXX XXXX on my Equifax credit report - Report Confirmation XXXX for an alleged balance of {$1000.00} originally tied to The XXXX XXXX XXXX According to my Equifax report dated XX/XX/XXXX, The Bank XXXX Missouri charged off and closed this account with a {$0.00} balance as of XX/XX/XXXX. Despite this, XXXX XXXX XXXX is reporting a new balance for collection without any evidence of legal assignment or ownership of the debt. No contract has been produced bearing my full name and Social Security number, and no IRS Form XXXX has been issued, despite the debt being classified as a Profit and Loss Write-Off. XXXX XXXX XXXX is therefore misrepresenting themselves as a creditor and attempting to re-assert a debt that the original creditor has XXXX. This violates FDCPA 809 ( b ), FCRA 1681e ( b ), and IRS Code 6050P. I request immediate and permanent deletion of this account from my Equifax credit report due to lack of legal validation, contradiction with the original creditors status, and ongoing consumer harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, TX XXXX XXXX XXXXXX/XX/XXXX TX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} XX/XX/XXXXBalance : {$0.00} XX/XX/XXXXBalance : {$1000.00} XX/XX/XXXXBalance : {$0.00} XXXX XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
The account is not charge off. It states settled for less. Is paid the remaining was a 1099c. Please remove this account from my credit report for inaccurate reporting. XXXX XXXXXXXX Paid in settlement {$610.00} written off

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 2025-05-02 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:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2025-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Do NOT go with Wells Fargo, they are a scam masked as a bank!! 

The beginning of XX/XX/XXXX, Wells Fargo created an escrow account and started incorrectly paying property taxes on our behalf. We were already paying our property tax directly to the XXXX XXXX XXXX. Wells Fargo stepped in and opened an escrow account for us. The escrow amount charged included a parcel we do not own. This amounts to be double the tax that we owe, and they are also back charging us from XXXX. They have overcharged {$28000.00} of our money incorrectly. We were NEVER delinquent and never missed a single payment. 

I have talked to over XXXX representatives over XXXX hours of speaking with Wells Fargo in the past XXXX  months to resolve this issue but our money has been withheld by Wells Fargo and the issue has not been rectified on XXXX XXXX end. They keep passing me to different departments and offering their sympathy but no action is taken. I have all the call logs needed. 

They have overcharged us and refuse to give us our money back!! We are trying to close our escrow account as soon we get our money back and will never go with Wells Fargo again. I have never felt so cheated out of money in my life. This is embarrassing for a company to have such predatory practices. Never go with Wells Fargo!

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 2025-05-02 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: 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 ) credit reporting agency, 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. 
I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : - a loan account opened at XXXX on XX/XX/XXXX under the account number XXXX - a loan account opened at Securityfinance on XX/XX/XXXX under the account number XXXX - a loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX - a collection account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against CREDIT COLLECTION SERVIC regarding an account I have with them XXXX * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * Balance : {$230.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with CREDIT COLLECTION SERVIC but to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX XXXX to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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