vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
On XX/XX/XXXX i sent a debt verification letter as this collection appeared on my credit report. 

I was sent back a bill for the debt with no verification or indication that the debt belonged to me. 

After contacting the original creditor i was informed that the account was originally a business account linked to an address that has no connection to me at all, is was somehow switched into my name. 

I informed the credit bureaus and Transworld that i am a victim of identity theft from XXXX where my wallet was stolen. I had a FTC report on file with all credit bureaus confirming this. 

I've reported this to Transworld and they are still refusing to remove the account from my credit report and failing to follow the law for validating the debt ever belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
These XXXX  denied me because of the credit score. It doesnt make any sense. I would suggest that they need to show some respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
Experian is sharing my XXXX XXXX  dischared my XXXX XXXX dismissed and also my XXXX XXXX dismissed and the XXXX are duplicates

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 2025-07-20 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: MA

Complaint narrative:
I am submitting a follow-up complaint regarding LVNV Funding LLC XXXX who continues to report two collection accounts on my credit file without providing legal validation and while inflating the balance without explanation. 

- Account # XXXX Originally reported at {$960.00}, now showing {$1100.00} - Account # XXXX Reported at {$650.00} XXXX sent a certified debt validation letter on XX/XX/year> requesting : - The original creditors name and address - A copy of the signed agreement or contract - A breakdown of the balance, interest, and fees - Proof of authorization to collect in my state LVNV has failed to respond. Yet both accounts remain on my credit reports ( XXXX  and XXXX  ), and the balance for the first account has increased by nearly {$200.00} without any documentation or explanation. 

I believe this violates both the FDCPA and FCRA, as the company is attempting to collect a debt without verifying its validity, and is misrepresenting the amount owed.

I am requesting that : 1. These accounts be removed from my credit reports if validation is not produced 2. The CFPB investigate the unauthorized balance increase 3. LVNV Funding cease reporting inaccurate and unverifiable information Documentation is being uploaded with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by Equifax on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1. Equifax has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Equifax is flagrantly disregarding consumer protection statutes. I did not receive any notice from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that Equifax remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
This is pertaining to a prior complaint that company did not explain why the transaction was authorized just buy sign is not a legit action.I was not planning on using it ever again * XXXX CARD USED WAS CHIP.READ * I WANT TO SEE LOG FOR XXXX * XXXX AND XXXX XXXX Ip address used Location * DEVICE ID AND LOCATION * TRANSACTION WAS INCONSISTENT WITH USUAL BEHAVIOR * WANT TO SERVER LOGS * TRANSACTION METADATA * IP ADDRESS LOGS * AUTHENTICATION METHOD USED ( sms, fingerprint, XXXX ) Bank failed to do an adequate investigation or ever gave me provisional credit!! 
XXXX to keep account secure Failed Reg XXXX of XXXX * I WANT SECURITY * IP DATA CALL AND CHAT LOGS * NO EVIDENCE XXXX CHIP WAS USED * NO TRANSACTION LOGS * IP DATA TO VALIDATE IT WAS AUTHORIZED * IF XXXX WAS USED IP ADDRESS USED * DEVICE ID AND LOCATION * * * TRANSACTION is inconsistent with usual behavior * * * I need to see server logs Transaction meta data Ip address logs Authentication method used XXXX XXXX XXXX FINGERPRINT XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc.
State: CO

Complaint narrative:
I am disputing the continued inaccurate credit reporting and lack of response from XXXX XXXX XXXX XXXX ( FFAM ) and XXXX XXXX  related to a charged-off personal loan. 

The loan was officially charged off in XX/XX/XXXX. However, XXXX continues to report the loan as past due as of XX/XX/XXXX, which is inaccurate and misleading. This misreporting negatively affects my credit and violates the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a formal {$10000.00} lump sum settlement offer via email to FFAM ( XXXX and XXXX XXXXXXXX ), requesting a written response by XX/XX/XXXX. I received no acknowledgment. 

On XX/XX/XXXX, I sent a final warning email, stating that I would escalate the matter to regulatory agencies if no response was received. As of XX/XX/XXXX, there has still been no reply. 

I also requested clarification regarding whether FFAM is still servicing the account or if it was returned to XXXX  and requested accurate tradeline correction or deletion. No response has been provided. 

I am requesting the CFPBs assistance to : Confirm whether FFAM or XXXX is the appropriate party XXXX correction or deletion of inaccurate credit reporting Ensure compliance with all debt collection and credit reporting laws

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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 request the removal of the following company. I have no knowledge of this company and I request the validation of the debt from the company in question. According to law 15 U. S. C. 1681 I have the right to dispute any inaccurate information on my credit report and the company XXXX XXXX XXXX XXXX XXXX ) has failed to provide the original contract with my original wet signature stating that I have done any business with them. They still appear to be on my TransUnion credit report listed as original creditor when I have no knowledge of this 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 non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Subject : Request for Investigation and Deletion of Inaccurate Account FCRA 611 ( 15 U.S.C. 1681i ) Dear Equifax, I am writing to formally dispute the accuracy of the following accounts listed in my credit report. This request is made pursuant to the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), which requires you to conduct a reasonable investigation of any disputed information. 

Disputed Items : Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$20000.00} Status : Charge-off / Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2500.00} Status : Charge-off / Collection These accounts are being reported as derogatory and are currently in dispute. I request that Equifax investigate these accounts and provide me with : XXXX of the account and all information reported. 

A full description of the method used in the investigation. 

Copies of any documents used to verify the account with the original creditor. 

If these accounts can not be verified or proven to be accurate within 30 days as outlined under the FCRA, they must be removed from my credit file. 

Please confirm receipt of this dispute and notify me of the outcome in writing. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Phone : [ Your Phone Number ] Email : [ Your Email Address ] [ Signature ] [ Include Copies : Drivers License, Utility Bill or Lease/Bank Statement ] XXXX XXXX Mortgage Account Experian To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Date : [ Insert Date ] Subject : Request for Investigation and Deletion of Inaccurate Account FCRA XXXX ( XXXX U.S.C. XXXX ) Dear Experian, This letter is a formal dispute of an account appearing on my credit report. Under the Fair Credit Reporting Act, XXXX XXXX ( XXXX XXXX. XXXX ), I am requesting that you investigate and verify the accuracy of this entry. 

Disputed Item : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$370000.00} Status : 180 Days Late / Delinquent Past Due : {$49000.00} I am disputing the accuracy of this delinquency. I request that you : XXXX a reasonable reinvestigation. 

Provide documentation used to verify this information. 

Remove or correct any unverifiable, inaccurate, or outdated information in compliance with FCRA Section XXXX. 

If you can not verify the accuracy within 30 days, the account must be deleted from my credit file. 

Please send me written confirmation of your findings and any changes made. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
On XX/XX/year> there was a debit draft from my checking account in the amount of {$420.00} from a company called Dermalactives. I purchased some skin care items from a Kiosk in the XXXX XXXX XXXX. I have no problem with this deduction from my account. However, on XX/XX/year> there were XXXX more withdrawals in the amounts of {$420.00}, both from the same XXXX, XXXX XXXX XXXX. I did not purchase anything from XXXX XXXX XXXX. When I saw this on my account I called my bank. They did remove the 2 - {$420.00} charges and sent me claims forms to complete, which I did and returned. My claim was denied and two charges were again deducted from my account. I complained again and was sent another set of forms and again my claim was denied.I have all of the documentation from M & T Bank with the claims forms. I do have a receipt for the first charge from XXXX. I would not have any receipts from XXXX XXXX, since I did not purchase anything from them. These 2 charges are clearly fraudulent.

I find it interesting that the bank takes a stand on these 2 obviously fraudulent charges and yet once a month I get a Fraud Alert on my phone from the bank for a legitimate charge that I have already approved more than once.

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 2025-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX is amount .. Dat I do not oqe .. dey are utilizing social security and taking funds and saying I owe dem.. I have evidence of the fraud..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
I paid off a TD Bank account in full through XXXX XXXX XXXX, yet my credit report still shows this as unpaid. I have submitted disputes with documentation multiple times and the credit bureaus continue to ignore it. 

XXXX XXXX XXXX both rejected my dispute and re-reported the same inaccurate data. XXXX portal wont even let me submit without crashing. 

XXXX XXXX claims the matter is out of their hands, even though they were the ones who collected the full payment and directed it to TD Bank. Ive been trying to resolve this for a year. 

This isnt just incorrect its harmful. Im being penalized for a debt that was fully resolved, and no one is taking accountability. 

Attached : Letter from XXXX XXXX stating the final payment draft Bank screenshots showing it cleared My original dispute and the rejection letter Please require the furnishers to update or delete this item immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: MI

Complaint narrative:
I recently looked at my credit report and I noticed fraudulent accounts on my report. I requested that account appearing be verified but didn't receive anything. How they verified. Please delete.

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 2025-07-20 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: MI

Complaint narrative:
I recently looked at my credit report and I noticed fraudulent accounts on my report. I requested that account appearing be verified but didn't receive anything. How they verified. Please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MI

Complaint narrative:
I recently looked at my credit report and I noticed fraudulent accounts on my report. I requested that account appearing be verified but didn't receive anything. How they verified. Please delete.

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 2025-07-20 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: WV

Complaint narrative:
I have tried to dispute the issues but Experian keeps refusing to fix issues but other reporting agencies have updated my my reports with no problem but Experian is refusing to do it I starting to get really upset with them this needs to be taken care of and they need to quit refusing.

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 2025-07-20 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: Tilt Finance, Inc.
State: TN

Complaint narrative:
Empower Finance illegally placed an unauthorized tradeline on my credit report without my knowledge or consent. I have * * never applied for, used, or authorized * * any account with Empower Finance or their banking partner XXXX XXXX XXXX. 

* * Key violations * * : 1. * * FCRA 1681b * * : No permissible purpose for accessing my credit file.

2. * * FCRA 1681c ( f ) * * : Failed to notify me before reporting ( required by law ).

3. * * CCPA 1798.120 * * : Sold my data to credit bureaus without consent. 

* * Evidence * * : - Credit report shows fraudulent " Empower FinanceXXXX XXXX XXXX  XXXX tradeline dated [ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
Experian is sharing my XXXX XXXX  dischared my XXXX XXXX dismissed and also my XXXX XXXX dismissed and the XXXX are duplicates

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NRA Group, LLC
State: NY

Complaint narrative:
I found out about this derogatory information on my XXXX XXXX report this past Thursday XX/XX/year>. I called the collection agency " National Recoverys Agency '' Telephone # XXXX ( I am unable to find an address for this company ) on XXXX XXXX and spoke with a XXXX XXXX and was advised when asked that this debt was never verified or communicated to me in writing as required under federal and New York State law. I was never provided with a validation notice or given an opportunity to dispute the debt. This reporting is inaccurate and should be removed.

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