vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This letter is my formal response to your correspondence dated XX/XX/year>, regarding the alleged account you claim to own. Your response does not constitute lawful validation or verification of the alleged debt. 

You provided billing statements and generic terms from XXXX XXXX This is insufficient under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Your deficiencies are as follows : Not the Original Creditor : This account originated with XXXX. XXXX is a third-party debt purchaser. Under FDCPA 807 ( 2 ) ( A ), misrepresenting your status or implying rights you do not have is a violation of law. 

Absence of Original Contract : FDCPA 809 ( b ) requires you to provide competent evidence. Without an original application or signed promissory note bearing my signature, you can not establish any obligation on my part.

TILA Noncompliance : Under TILA, creditors must provide original disclosure statements showing finance charges, APR, and repayment terms. As a debt buyer, you can not produce these disclosures. This renders the debt unverifiable. 

FCRA Violations : Continuing to furnish unverifiable data to the credit reporting agencies violates FCRA 607 ( b ), which requires maximum possible accuracy. Additionally, under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable items must be deleted within 30 days of dispute. 

Accordingly, you are hereby ordered to cease and desist all collection activity and reporting of this alleged account. If you can not produce the original signed Truth in Lending disclosures and wet-ink contract from XXXX, you must immediately request deletion of this tradeline from XXXX, XXXX, and XXXX. 

If you continue to report, attempt to collect, or reinsert this account without proper validation, you will be in willful violation of : FDCPA 807, 809 FCRA 607 ( b ), 611 ( a ) ( 5 ) TILA 130, 131 If you do not comply, I will escalate by filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, and I will initiate civil litigation. Available remedies include statutory damages of {$1000.00} per violation, actual damages, punitive damages, attorneys fees, and court costs. 

This letter serves as final notice and demand for deletion of this account from my credit files and cessation of all collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit reports are showing multiple inaccurate and harmful tradelines that should not remain. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are either already paid in full or the result of identity theft/unauthorized use of my information. Despite this, they continue to be reported as negative accounts, which is inaccurate and damaging. 

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692cc ) and demand that all companies involved immediately cease and desist from any further communication or collection activity related to these accounts.

As a fair resolution, I request that [ Experian / Equifax / TransUnion ] immediately delete these tradelines from my credit report and provide written confirmation of removal within fifteen ( XXXX ) days. Continued reporting of these accounts is inaccurate, harmful, 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 2025-08-24 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: DE

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-24 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX Date : XX/XX/XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXan Account ( Acct. No. XXXX ) To Whom It May Concern, I am formally disputing the accuracy of the XXXX XXXX XXXX XXXX XXXX loan account appearing on my TransUnion credit report. After careful review, I have identified several reporting errors that violate the Fair Credit Reporting Act ( FCRA ) : 1. Contradictory Status Reporting The account is marked as a redeemed repossession while also being reported as a charge-off. Both can not be true. If the repossession was redeemed, the account should not reflect as an outstanding charge-off.

2. Improper Charge-Off Payment History The account is coded CO for multiple months throughout XXXX. This practice is misleading and violates FCRA accuracy standards. A charge-off is a single event and can not be reported repeatedly month after month as if it were ongoing. 
3. Balance Reporting Inconsistencies The account is reported as both written off and still owing {$9500.00} past due. A balance can not simultaneously be charged-off ( written off ) and collectible without clear documentation, which you have failed to provide. 

These errors cause significant harm to my creditworthiness and misrepresent the true status of the account. Under FCRA 1681i, I demand that TransUnion conduct a reinvestigation and either : Delete this account entirely, or Correct all inaccurate reporting immediately, including removing duplicate charge-off notations, contradictory remarks, and improperly reported balances.

Please provide me with a written explanation of your investigation results and the method of verification used, including the name and contact information of any furnisher you relied upon, as required by law. 

I expect full compliance within 30 days as required by the FCRA. 

Sincerely, 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 2025-08-24 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Re : Request for Removal of Obsolete Adverse Information Under FCRA 15 U.S.C. 1681c ( a ) ( 5 ) To Whom It May Concern, I am formally disputing the reporting of certain derogatory items on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 5 ), consumer reporting agencies are prohibited from including any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven ( 7 ) years.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report I will propose and pursue my legal rights by law for actual damages to my reputation and ability to be approved for loans, or jobs opportunities and Character defamation Dated XXXX. 

15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance Wells Fargo Account # XXXX Wells Fargo Account # 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 2025-08-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NE

Complaint narrative:
Fair Collections & Outsourcing ( FCO ) is inaccurately reporting the Date of First Delinquency ( DOFD ) on my XXXX credit report. The tradeline shows a DOFD of XX/XX/XXXX. 

This reporting is false and misleading. I was fully paid through my move-out date.I never missed a rent payment during my tenancy. 

The alleged balance of {$4200.00} arises from lease termination penalties and charges after move-out, not from any delinquent monthly rent payments. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), the Date of First Delinquency must reflect the first missed payment that was never brought current. 
I have attached my XXXX report, dated XX/XX/XXXX, showing the account with the reported DOFD of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had a tenant name XXXX XXXX and her daughter XXXX XXXX who rented my property through Furnished Finders from XXXX to XX/XX/year>. During tenancy they paid rent through XXXX app a partial payment of {$1000.00}. After they moved out XX/XX/year> they disputed the rent payment through the XXXX app and XXXX returned the payment after I informed them via email, through the Chat with a live agent feature and via phone that this person was committing fraud by disputing this payment as it was a righteous payment made for the rent. It was even stated in the memo of the payment what it was for. I provided text messages as well to show this was a rightful payment and XXXX ignored it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: DE

Complaint narrative:
I found inaccurate negative items on my report. I contacted the furnisher, received no verifiable response, and I am requesting a full investigation under the Fair and Accurate Credit Transactions Act of 2003. Please removed these unverifiable items. 

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 2025-08-24 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: DE

Complaint narrative:
I found inaccurate negative items on my report. I contacted the furnisher, received no verifiable response, and I am requesting a full investigation under the Fair and Accurate Credit Transactions Act of 2003. Please removed these unverifiable items. 

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 2025-08-24 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: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX and ChexSystems. XXXX XXXX furnished my personal information to ChexSystems without my authorization or consent. This is a violation of the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681b consumer report information may only be furnished for permissible purposes. No permissible purpose applies in this case. 15 USC 1681c-2 I have the right to request that ChexSystems block and remove information resulting from Identity Theft. Additionally, my personal data was exposed in the experian and equifax breach, and I have discovered multiple unauthorized inquiries on my credit reports. These events demostrate continued misuse of my personal information and are directly related to the harm I am experiencing with ChexSystems.

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 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was alerted to a fraudulent transaction on XX/XX/year> by Bank Of America by Text. I phoned them and let them know to block the transaction and went through additional transactions to find out there were XXXX additional transactions totaling over {$900.00} that were also fraudulent. 
The claim was denied even though I did not make these payments and they are forcing me to pay.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Urgent request immediate deletion required due to financial harm Dear CFPB Representative, I am urgently filing this complaint against Equifax, Experian, and TransUnion for knowingly reporting inaccurate, unverifiable, and harmful information on my credit file. 

Why This Requires Emergency Oversight : The bureaus have a documented pattern of : Ignoring the requirements of FCRA 611 by using automated e-Oscar responses instead of conducting reasonable reinvestigations.

Failing to provide supporting documentation as required under FCRA 609.

Continuing to report unverifiable accounts in violation of FCRA 623. 

This unlawful reporting is not only inaccurate but is actively causing me severe financial harm and must be addressed on an emergency basis. 

Legal Grounds for Emergency Deletion : Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item that can not be verified must be deleted. The bureaus refusal to provide actual evidence ( such as a signed application or original contract ) makes this account unverifiable by law. 

Requested Resolution : I am demanding the immediate deletion of the following account ( s ) within 4 business days : 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 Written confirmation of deletion must also be provided to me without delay. 

Failure to comply constitutes willful noncompliance under the FCRA, leaving the bureaus subject to statutory damages and legal action under 15 U.S.C. 1681n and 1681o. 


This inaccurate reporting has caused urgent and ongoing harm, including credit denials, loss of financial opportunities, higher interest rates, and emotional distress. Every day this account remains is another day of financial injury. 

This is an emergency request for deletion. The continued reporting of unverifiable information is causing immediate financial harm including credit denials and higher interest rates. Every day this inaccurate account remains is another day of injury. I am requesting CFPB oversight for an expedited resolution and deletion of this account within 4 business days under FCRA 611 and 1681i ( a ) ( 5 ) ( A ).

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