vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Security Credit Services , LLC XXXX. XXXX XXXX XXXX, XXXX XXXX I. INTRODUCTION FORMAL PRE-LITIGATION NOTICE This correspondence serves as my formal litigation-prep demand, issued prior to initiating legal action. 
Your response regarding the alleged XXXX XXXX account contains false statements, legally inadequate validation, omissions, and misrepresentations that place your organization in ongoing violation of federal statutes. 
II. FAILURE TO PROVIDE PROOF OF OWNERSHIP OR CHAIN OF TITLE After reviewing the 20-page document, I confirm the file contains : NO Bill of Sale NO Assignment Agreement NO Portfolio Schedule NO Transfer of Rights NO Purchase Agreement NO proof of legal standing NO notarized ownership certification You supplied only applications, my ID, bureau printouts, and disclosures none proving ownership. 
Misrepresenting ownership violates FDCPA 1692e ( 2 ) ( A ) and 1692e ( 10 ). 
III. CONTINUED CREDIT REPORTING WITHOUT OWNERSHIP FCRA LIABILITY Despite having no documented ownership, you continue furnishing derogatory information, verifying it, and maintaining it in active reporting status. This violates : FCRA 1681s-2 ( a ) ( 1 ) ( A ) FCRA 1681e ( b ) FCRA 1681s-2 ( b ) FDCPA 1692e ( 8 ) These actions constitute willful FCRA violations. 
IV. FAILURE TO PROVIDE LEGALLY SUFFICIENT VALIDATION ( FDCPA 1692g ( b ) ) Validation requires proof of standing, itemized accounting, full chain of title, TILA disclosures, and a contract. None were provided. The documents you submitted do not meet the validation standard required by federal courts including XXXX, XXXX, XXXX, and XXXX. 
V. ADMISSION OF CEASE STATUS + CONTINUED REPORTING = ILLEGAL COLLECTION ACTIVITY Your letter admits the account is in cease status, yet you continue furnishing, verifying, and updating the data violating : FDCPA 1692c ( c ) FDCPA 1692e ( 8 ) FCRA 1681s-2 ( a ) ( 1 ) ( B ) VI. ILLEGAL BURDEN SHIFTING POLICE REPORT / NOTARIZED AFFIDAVIT DEMAND Demanding a police report or notarized affidavit violates FDCPA 1692g ( b ). Consumers are not required to provide such documents to dispute a debt. 
VII. FORMAL DEMANDS PRIOR TO LITIGATION You must provide the following within 15 days : 1. Full chain of title : Bill of Sale Assignment Agreement Purchase Agreement Transfer of Rights XXXX XXXX listing my account 2. Full validation, including : TILA disclosures Complete itemized accounting Interest and fee calculations Original signed contract Proof of creditor standing 3. Immediate deletion of the account from all consumer reporting agencies. 
VIII. NOTICE OF INTENT TO PURSUE CIVIL ACTION If you fail to comply, I will pursue damages under : FCRA 1681n and 1681o FDCPA 1692k State deceptive-trade-practices statutes IX. FINAL WARNING BEFORE SUIT This is your final opportunity to cure your violations before litigation proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
b'I am writing to formally dispute a collection notice from IC Systems that appeared on my account on October 16, 2025. Prior to this notice, I received no written communication, no verification of the alleged debt, and no explanation of why my name was placed in collections. Because proper validation was never provided, I am requesting that this item be removed immediately.\n\nFor several months, I received repeated calls from multiple numbers, often with no one speaking, immediate hang-ups, or robocalls identifying a XXXX XXXX These calls began around XXXX XXXX, 2025, and came from the following numbersXXXX XXXXDespite the volume of calls, no information or written notice was ever sent to me before the collection appeared. On XXXX XXXX, 2025, I made multiple attempts to contact your company using the phone numbers listed online, including XXXXXXXX  and XXXX. Each attempt resulted in my call being disconnected, transferred without explanation, or handled with no meaningful assistance. I eventually reached an individual named XXXX provided both my mailing address and email, and formally requested proof of debt. To date, I have received nothing.\n\nAdditionally, your company has contacted multiple family members, including my underaged grandson, which is inappropriate and unacceptable.\n\nI have filed a report with the FCC due to the repeated robocalls, hang-ups, and my request to cease phone communication being ignored. I asked to be contacted only by mail, yet the calls continued at random times throughout the day.\n\nBecause I have never been sent validation of this alleged debtand because the communication practices described above violate basic standards of accuracy, verification, and consumer rightsI am requesting that this collection entry be removed from my account 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 explanation
Consumer complaint received 2025-11-26 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:
I am writing to dispute the following items on my Experian credit report. The accounts listed below have been reported incorrectly or contain inaccurate information : CHARGED OFF XXXX XXXX XXXX XX/XX/XXXX Balance : {$840.00} XXXX XXXX XXXX XX/XX/XXXX Balance : {$1600.00} XXXX XXXX  XXXX XX/XX/XXXX Balance : {$530.00} XXXX XXXX XX/XX/XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XX/XX/XXXX Balance : {$11000.00} INQUIRIES XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is knowingly violating FDCPA, FCRA, and XXXX XXXX compliance with the way you are reporting and attempting to collect this alleged debt. After researching your company, I am fully aware of the numerous lawsuits and illegal practices you have been involved in. The first and most obvious violation is that you are reporting the same alleged debt twiceTHE XXXX and XXXX for the exact same balance of {$700.00}. This constitutes duplicate reporting, inaccurate reporting, and a direct violation of FCRA 1681e ( b ), FDCPA 807 ( 2 ), and XXXX XXXX accuracy requirements. The information is also reporting differently on XXXX and XXXX, proving that the data is inconsistent and unreliable. I also never received any written notice of this debt before it was placed on my credit report, which violates FDCPA 809 ( a ). I have requested validation multiple times, and you have not provided one legally required document. Under FDCPA 809 ( b ), you can not continue collection or furnish information to the credit bureaus without validating the debt. Under FCRA 1681s-2 ( b ), you are required to investigate disputes and correct or delete any unverifiable, inaccurate, or incomplete information. You have failed to do so. Your company is knowingly reporting unverified information and causing continued harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : [ XXXX XXXX ] [ XX/XX/year> ]

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 2025-11-26 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: GA

Complaint narrative:
I am filing this dispute to request an investigation and correction of the following items that appear inaccurate on my Experian credit report. These items should be reviewed and corrected per the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts in Dispute : No charged-off accounts listed for Experian in this dispute. 

Inquiries in Dispute 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 XXXXXXXX

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 2025-11-26 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: FL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX Case Number 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 The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: NV

Complaint narrative:
I am requesting assistance because Experian is reporting information that I believe is inaccurate or needs to be verified. I am asking for a full reinvestigation under the Fair Credit Reporting Act. 

Charged-Off Account in Dispute XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/year> Balance : {$500.00} This account appears to contain inconsistencies or unverifiable information. I am requesting that Experian verify the accuracy of all details with the furnisher and correct or remove anything that can not be validated.

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 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX  TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within XXXX  days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX  ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: GLOBAL CREDIT UNION
State: NC

Complaint narrative:
XX/XX/XXXX we ran a report for a rental and were notified that we had severe charge offs. These are on both myself and my spouse 's account ( joint ). The report states that an account was opened in XXXX with Global Federal Credit Union, and the debt was never paid ( {$5400.00} ). This is the amount also showing on my spouse 's report. Same dates. In addition, an address that we have never resided at is listed on the account. Also, an alternate name of XXXX XXXX XXXX, which is not me. Finally, we called to dispute and the bank was less than helpful stating that the social security matches so it " is us ''. We have have never held a credit card with XXXX XXXX XXXX. Approximately XXXX  years ago in Idaho ( we no longer reside there ) we had a checking and savings account only at XXXX. Again, we did not open any type of account with this company as it states on our credit report " opened XX/XX/XXXX ''. Finally, when we called XX/XX/XXXX, they stated an incorrect phone number to us on the account. They stated that we had received a bill, we have not. We have not received any phone calls. Therefore, found out by running this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over XXXX  days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the XXXX XXXX  ( XXXX  ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-26 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: KY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weber & Olcese, PLC
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted weber olcese about a XXXX debt after receiving a civil suit notice from the sheriff and agreed to pay the debt out of court and set up a XXXX payment installations plan for them I have paid the first on XX/XX/XXXX and paid the second on XX/XX/XXXX. They stated XXXX  days to send me an email to sign agreeing to the payments and then to send to the courts. Neither has happened and I have communicated with them today and they stated i must wait another XXXX  days for court papers and XXXX fear I will have it paid and the still have to appear in court over a settled debt they may try to refuse acknowledgement of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
CFPB COMPLAINT LIGHTSTREAM ( Fraudulent Inquiry ) Filed By XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Fraudulent Hard Inquiry Identity Theft No Authorization I am filing this complaint because LightStream placed a fraudulent hard inquiry on my XXXX  report. I did NOT apply for any loan, financing, or credit with LightStream. 

My FTC Identity Theft Report ( Report XXXX XXXXXXXX ) lists this exact inquiry as fraudulent. 



Federal Law Violations XXXX. 15 USC 1681b No permissible purpose LightStream accessed my credit file without : my permission, my application, or any lawful purpose. 

XXXX. 15 USC 1681c-2 Identity theft block requirement LightStream must stop furnishing fraudulent information once identity theft is documented. 

XXXX. 15 USC 1681n/o Willful or negligent noncompliance Continuing to furnish this inquiry violates FCRA. 



Harm Caused This unauthorized hard inquiry lowered my score and damaged my credit reputation. 



Requested Resolution Remove the LightStream inquiry from XXXX  Stop any further reporting tied to this fraud Provide written confirmation Documents Attached FTC Identity Theft Report ID & proof of address Screenshot of inquiry I certify the above is true. 
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