vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: RI

Complaint narrative:
I am filing a formal dispute regarding a debt being reported by Jefferson Capital Systems ( XXXX ), listed under Account # XXXX with XXXX XXXX the original creditor, and an alleged balance of {$1700.00}. I do not acknowledge this debt and have no recollection of entering into any agreement or contract with XXXX or Jefferson Capital Systems related to this amount. 

Jefferson Capital Systems has failed to provide any documentation validating their legal authority to collect this debt, nor have they demonstrated a clear chain of assignment from XXXX. Reporting or attempting to collect on a debt without proper verification is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Their continued efforts to collect and report this debt are causing undue stress and negatively affecting my health and well-being. 

As required by law, I am requesting that Jefferson Capital Systems provide the following : Proof of their legal authority to collect this debt ( 15 U.S.C. 1692e and 1692f ).

Verification of their license to collect debts in my state.

A copy of any signed contract or agreement between myself and the original creditor, XXXX, which proves this debt is valid. 

A full account history, showing how the alleged balance was calculated. 

Legal documentation of the assignment or purchase of this debt from XXXX to Jefferson Capital Systems. 

Under FDCPA 1692g ( b ), Jefferson Capital Systems has XXXX  days to respond with the requested validation. Failure to do so will render the debt uncollectible. According to the legal doctrine of estoppel by silence ( XXXX v. XXXX ), if no response is provided, I will consider this debt invalid and non-existent. 

Any further attempts to collect on this disputed debt or to report it to credit bureaus without proper validation will be regarded as willful non-compliance with federal law and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Tx. XXXX ( XXXX ) XXXX XXXX XX/XX/year> Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Subject : Formal Dispute of Debt Reference No. XXXX To Whom It May Concern, I am writing to formally dispute the alleged debt referenced above. This debt is fraudulent and invalid because I have already gone to court regarding this matter, and the case was dismissed. I demand that you cease all collection activities related to this debt and remove any associated negative reports from my credit file immediately.

Under the Fair Debt Collection Practices Act ( FDCPA ), I request the following : 1.Proof of Validity Provide all documentation, including signed agreements, statements, and court records, that establish my liability for this debt.

2.Verification of Court Proceedings As the case was dismissed in court, provide any contradictory legal evidence showing otherwise.

3.Immediate Cease of Collection Efforts As this debt is not valid, I demand that you immediately stop all attempts to collect, including phone calls, letters, and credit reporting. 

Failure to comply with this request will result in legal action against Transworld Systems IncXXXX for violating my rights under the FDCPA. Please respond in writing within 30 days to confirm that this matter has been resolved and closed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern, Consider this your official notice that I am pursuing legal action against XXXX XXXX XXXX for your willful, fraudulent, and damaging actions in reporting false information on my credit profile regarding a debt that has already been paid in full.

You are fully aware that I paid the balance of {$950.00} through Resurgent Capital Services, who confirmed this account was settled and closed. Yet Credit One continues to falsely report to credit bureaus that the debt is still owed. This is a blatant, knowing violation of federal law, including : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 
You are reporting inaccurate, outdated, and false information. 
You failed to update or delete the paid debt, despite having verifiable evidence. 
Your actions are willful, not just negligent, and I will be seeking statutory, actual, and punitive damages.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e Continuing to report a paid debt constitutes false, deceptive, and misleading representation. 
You are intentionally misrepresenting the status of the debt in order to damage me or collect on an already satisfied balance.

3. Defamation, Emotional Distress, and Financial Harm You are knowingly defaming my name and reputation by reporting false debt to third parties.

Your actions have directly caused me to suffer loss of job opportunities, credit denials, financial instability, and severe emotional distress. 



This is not a requestthis is notice that I am filing suit. 

You have broken multiple federal laws and caused measurable harm. I will be suing XXXX XXXX XXXX for : Violations of the FCRA and FDCPA Defamation of character Emotional and financial damages Punitive damages for willful misconduct Attorney fees and court costs All evidence, including payment confirmations and communications from Resurgent Capital, has been documented and will be submitted as part of my legal complaint. 

Youve chosen to lie on my name. Now you can answer to the court. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Fund
State: GA

Complaint narrative:
Today, XX/XX/year> a soft pull was ran by a company called XXXX, I received a credit denial letter as an inquiry in my email that was a false inquiry and reasons for denial seem false as it was incorrect information. As my credit score shows the difference. Please thoroughly investigate this matter as it is incorrect! I'd like to have this report removed off of my XXXX  credit report asap!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I did not approve this inquiry and had no discussions with the lender at the mentioned time.

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 2025-04-09 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: CA

Complaint narrative:
Equifaxs repeated failure to properly address disputes has become a pattern, and it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately. 

The following dispute items must be reexamined and removed if proper documentation can not be produced : XXXX XXXX XXXX - Account Number : XXXX - Reporting Balance : {$340000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax XXXX XXXX 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunnova Energy Corporation
State: AZ

Complaint narrative:
I have reached out to the Attorney Generals office and so far they have done nothing. I think they have sent out two notices and heard nothing back from Sunnova Solar company. They have done nothing but rip me off on many items. I am on a payment plan with them first of all. So the sales person said that my roof would be fine installing solar which I have found out other solar companies def would not of installed panels on my roof because it is the original roof from 1998. I have had over a dozen roofing companies and was told this should of never been installed on this roof. I have had them out a couple times for roof repairs. They did a complete lousy job installing and left debris and stains on my back patio plus the city that came out denied the job the first time, I guess that whole crew was fired. They lied about the payment saying I would pay {$100.00} a month for 25 yrs but after a yr or so it went up to {$140.00}. They also said I would not have a bill from my electric company again which also was not true. And the rebate, I was not working the past three yrs and said I would get I think it was like {$12000.00} or so back and of course never got that back nor because I didn't work for three yrs there was no write off. I have called, emailed them over 60-75 times with no response back as I now need a new roof and they will not call me back or take my calls and I can not get anyone to respond. I have talked to people in The XXXX a couple dozen times and I get the exact same response that they will escalate this which it already has been 4 months ago and again, no calls back. XXXX XXXX XXXX can not take it because Sunnova has some sort of deal where they can not represent me since I would have to come up with {$12000.00} to initiate a lawsuit. I am soooooo sad, frustrated, mad and can not afford to do anything. I am XXXX yo and did not work for XXXX yrs and just started back in real estate but it takes forever to get going and hard to get a listing. Is there anything I can do with these crooks??? I am desperate and need a roof badly and again can not get them to reach out to me. These guys are a total scam company and have read many awful reviews. Thank you! XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested a free credit report in XX/XX/XXXX. I have been charged {$32.00} from XX/XX/XXXX to XX/XX/XXXX. I never signed up for a membership. The company said I had a XXXX  membership. I asked for a full refund since I did not authorize a membership or sign up for a membership. I was only refunded for XXXX month. The company refused to refund more than XXXX month. This is the consumer reporting agency called Experian. There are many complaints on the Internet about unauthorized monthly charges from this company. I have not used the service since I requested the XXXX time report. I have been paying for something that I had no idea I was paying for nor did I use it nor did I sign up for it. I believe this is 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 monetary relief
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MO

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-09 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: MO

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-09 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. XXXX not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : XXXX ( TU ) XXXX - Date of 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 non-monetary relief
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief