vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Collection Services, LLC
State: NJ

Complaint narrative:
Receivable Collection Services LLC ( XXXX ) has repeatedly attempted to collect a debt allegedly owed to XXXX College, but has failed to provide legally required validation despite multiple written requests. 

I first sent a debt validation letter on XX/XX/XXXX, followed by another on XX/XX/XXXX, and a final letter on XX/XX/XXXX, all via mail. In each, I explicitly requested verification under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, including : - A signed contract from the original creditor - A full itemization of the alleged debt - Proof that XXXX is authorized to collect debt in New Jersey XXXX never responded with sufficient documentation. Instead, they sent two nearly identical letters ( dated XX/XX/XXXX, and XX/XX/XXXX ) containing only a balance summary and a payment slip, not a proper debt validation. 

They also stopped all communication for nearly 20 months. Then they attempted contact again on XX/XX/XXXX, just before the statute of limitations expires in my state, which I believe was intentional and predatory. Their negligence and constant ignoring of my validation requests are extremely harmful and a violation of federal law. It has caused unnecessary stress, and I feel targeted simply because I have not communicated by phone but only by mail, which appears to be the only method they accept by acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: OH

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a forma

l requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item. To date, the agency has not provided any of the requested information. This lack
of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may expose it to civil liability.

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 2025-06-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX XX/XX/XXXX Experian Information Solutions Inc . 

XXXX XXXX XXXX XXXX XXXX, CA XXXX * * URGENT LEGAL NOTICE OF LITIGATION & DEMAND FOR IMMEDIATE REMOVAL * * To Whom It May Concern, Be advised that I, XXXX XXXX, have initiated litigation concerning fraudulent and unlawful reporting related to the tradeline furnished by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX . The disputed account ( # XXXX ), opened allegedly on XX/XX/XXXX, in the amount of {$280.00}, constitutes a willful violation of federal law, specifically the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq ) and the Fair Debt Collection Practices Act. 

Pursuant to active legal proceedings filed in the UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF ALABAMA, a cause of action has been raised against both XXXX XXXX XXXX and XXXX XXXX XXXX for fraudulent reporting, identity misappropriation, and damages arising from Experians continued publication of inaccurate and disputed data. 

As per 15 U.S. Code 1681s-2, you are under a statutory obligation to delete any account that has been proven fraudulent or is part of a dispute where the furnisher can not validate the account. No such validation has been provided under 15 U.S. Code 1681g or 1681i. Your continued failure to investigate in good faith constitutes willful noncompliance under 15 U.S. Code 1681n, for which you may be held liable for actual, statutory, and punitive damages. 

Notice is hereby served to the following parties at Experian : - XXXX XXXX, Chief Executive Officer - XXXX XXXX, Chief Financial Officer - XXXX XXXX, Chief Compliance Officer - XXXX XXXX, SVP of Public Policy - Fraud and Risk Management Department ( Attn : Director ) This letter places you individually and collectively ON NOTICE. Your failure to delete this fraudulent tradeline within 24 hours will result in the formal addition of Experian as a co-defendant in the ongoing litigation. 

Furthermore, complaints have been simultaneously prepared and submitted to : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - Alabama Attorney Generals Office I hereby demand that Experian permanently delete this fraudulent tradeline within 24 hours of receipt of this letter. 

This communication is to be treated as a legal and litigation notice and not merely a credit dispute. Failure to respond timely will constitute continued willful negligence. 

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 2025-06-04 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: Source Receivables Management LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX . 

XXXX XXXX XXXX XXXX XXXX, CA XXXX * * URGENT LEGAL NOTICE OF LITIGATION & DEMAND FOR IMMEDIATE REMOVAL * * To Whom It May Concern, Be advised that I, XXXX XXXX, have initiated litigation concerning fraudulent and unlawful reporting related to the tradeline furnished by Source Receivables Management on behalf of XXXX XXXX XXXX . The disputed account ( # XXXX ), opened allegedly on XX/XX/XXXX, in the amount of {$280.00}, constitutes a willful violation of federal law, specifically the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq ) and the Fair Debt Collection Practices Act. 

Pursuant to active legal proceedings filed in the UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF ALABAMA, a cause of action has been raised against both XXXX XXXX XXXX and Source Receivables Management for fraudulent reporting, identity misappropriation, and damages arising from XXXX continued publication of inaccurate and disputed data. 

As per 15 U.S. Code 1681s-2, you are under a statutory obligation to delete any account that has been proven fraudulent or is part of a dispute where the furnisher can not validate the account. No such validation has been provided under 15 U.S. Code 1681g or 1681i. Your continued failure to investigate in good faith constitutes willful noncompliance under 15 U.S. Code 1681n, for which you may be held liable for actual, statutory, and punitive damages. 

Notice is hereby served to the following parties at XXXX : - XXXX XXXX, Chief Executive Officer - XXXX XXXX, Chief Financial Officer - XXXX XXXX, Chief Compliance Officer - XXXX XXXX, SVP of Public Policy - Fraud and Risk Management Department ( Attn : Director ) This letter places you individually and collectively ON NOTICE. Your failure to delete this fraudulent tradeline within 24 hours will result in the formal addition of XXXX as a co-defendant in the ongoing litigation. 

Furthermore, complaints have been simultaneously prepared and submitted to : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - Alabama Attorney Generals Office I hereby demand that XXXX permanently delete this fraudulent tradeline within 24 hours of receipt of this letter. 

This communication is to be treated as a legal and litigation notice and not merely a credit dispute. Failure to respond timely will constitute continued willful negligence. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
After reviewing my report carefully, I noticed an account listed that does not belong to me. The entry reflects a late payment and an outstanding balance that I believe are reported in error. I have never had an account with this creditor, and Im concerned about how this might be impacting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Charged off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-04 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: LA

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 non-monetary relief
Consumer complaint received 2025-06-04 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: NJ

Complaint narrative:
I am writing to formally dispute a late payment entry on my credit report, which I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). The details of the account in question are as follows : Creditor Name : XXXX XXXXXXXX  # ( Late payments reporting : XX/XX/year>, XX/XX/year>, XX/XX/year> ) Under the FCRA, credit reporting agencies are required to report only accurate and verifiable information. Specifically : FCRA 1681i ( a ) ( 1 ) ( A ) states that upon dispute, the credit bureau must investigate and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 
FCRA 1681e ( b ) requires credit reporting agencies to ensure the maximum possible accuracy of consumer reports. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) holds furnishers responsible for not reporting inaccurate information.

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 2025-06-04 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: NJ

Complaint narrative:
I am writing to formally dispute a late payment entry on my credit report, which I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). The details of the account in question are as follows : Creditor Name : XXXX XXXXXXXX  # ( Late payments reporting : XX/XX/year>, XX/XX/year>, XX/XX/year> ) Under the FCRA, credit reporting agencies are required to report only accurate and verifiable information. Specifically : FCRA 1681i ( a ) ( 1 ) ( A ) states that upon dispute, the credit bureau must investigate and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 
FCRA 1681e ( b ) requires credit reporting agencies to ensure the maximum possible accuracy of consumer reports. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) holds furnishers responsible for not reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 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 2025-06-04 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: NY

Complaint narrative:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: MI

Complaint narrative:
I ended service with XXXX on XX/XX/XXXX. The original balance owed to the company was {$1600.00}. Around the time I ended service my husband lost his job. On XX/XX/year>XXXX  a payment of {$41.00} was made, another payment of {$100.00} was made on XX/XX/year>. I have called three times to set up payment arrangements most recently as today, XX/XX/XXXX and they will not accept a payment arrangement for the balance of {$1500.00} under the circumstances that my husband is unemployed and I am the only one holding a full-time job with other priorities including a house payment. I advised them that they would be receiving another {$100.00} by XX/XX/XXXX and that was not good enough. 

I have even advised MRS BPO LLC the collection agency of the same information. 

Despite having one stable income, I have been faithful in making payments and I am keeping my end of my promise of {$100.00} per month with payment of {$100.00} to be deducted from my account on XX/XX/XXXX. 

As of this complaint, I have not received a response from MRS BPO LLC collection agency as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
I requested SCRA benefits for my loan when it was with my orginal leader who was XXXX XXXX XXXX XXXX XXXX ) the loan was sold to Penny Mac and and both denied the SCRA benefits. My husband Home of Record is Louisiana and their is a provision for 3 states that extends those benefits to XXXX XXXX service members for all debts that occur while the AFTER the service member enter XXXX XXXX - those states being Louisiana, Ohio and Pennslyvania. I submitted my a letter ( statement of record ) from my husband command to show that his home of record is Louisiana as well as his XXXX XXXX military orders. Starting in XXXX the loan will be with PennyMac. We have already made a payment with XXXX XXXX ( XXXX XXXX Mortgage ) and the interest rate was still 6.25 %. We should be getting 6 % with the SCRA benefits.

Company response to consumer: Closed with explanation