vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint regarding a XXXX collection agency that has reported a debt on my credit report without my knowledge, without proper validation, and without following the appropriate legal processes as outlined under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Recently, upon reviewing my credit report, I noticed an entry from Southwest Credit Systems XXXX regarding a {$120.00} debt that I have no prior knowledge of. I was never contacted regarding this alleged debt, was not given an opportunity to validate or dispute it, and was not informed of its existence before it was reported to the credit bureaus. This lack of communication is not only unfair but is a violation of my rights under federal law. According to the FDCPA, a debt collector must provide proper validation of a debt within XXXX days of initial communication. Additionally, under the FCRA, any information reported to the credit bureaus must be accurate and verifiable. Reporting a debt without providing notice or an opportunity to dispute it violates these protections. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in having this collection account permanently removed from my credit report. I am prepared to provide copies of my credit reports and any other documentation needed to support this claim. Thank you for your time and attention to this serious matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I checked my XXXX  credit report today XX/XX/year> to see that Portfolio Recovery has been doing soft pulls on my credit report on XX/XX/year> and XX/XX/year>. I would like to know why Portfolio Recovery has pulled my credit report multiple times?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
In accordance with XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 
Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within XXXX calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report. 

Furthermore, FCRA XXXX ( a ) ( XXXX ) ( A ) mandates that furnishers remove any information that can not be verified. Under XXXX XXXX. XXXX, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under XXXX, willful violations XXXX subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. XXXX  {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or XXXX confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in multimillion dollar awards ( e.g., Miller v. Equifax $ 18.6M ; Thomas v. TransUnion $ 5.3M ).

- CFPB enforcement actions support similar resultsmost recently, a $ 15M settlement following procedural failures. 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 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING LLC Account XXXX XXXXXXXX I have never had an account with this company, I have never signed anything with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownershipXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$490.00} XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/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 2025-07-14 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: AZ

Complaint narrative:
I made a report with the FTC after receiving notice that I was apart of Equifax XXXX breach. After being denied for an apartment I checked my credit report and noticed several accounts and injuries that did not belong to me. I attempted to dispute these items with the credit bureau and was informed that the information would not be removed. This is when I reached out to the FTC for help. My information was used after the data breach and I'm unable to get credit due to this. The companies listed was found on all three credit bureau 's reports ; XXXX {$17000.00} Account XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX {$1200.00} Acct XXXX XXXX ( XXXX ) XXXX has XXXX accounts listed ; XXXX {$970.00} Account XXXX XXXXXXXX ( XXXX ) XXXX ; XXXXXXXX XXXX {$2200.00} Acct XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX {$6800.00} Acct XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX  {$450.00} Acct XXXX XXXXXXXX ( XXXX ) XXXX has XXXX accounts listed ; XXXX XXXX  {$16000.00} Acct XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX {$310.00} Acct XXXX XXXXXXXX ( XXXX ) XXXX. The Inquiries are as follow XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information is incorrect as well on the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX balanced {$20000.00} date open ; XX/XX/XXXX XXXX XXXX XXXX balanced {$940.00} date open : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX balanced {$2000.00} date open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX balanced {$3800.00} date open ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00} date open : XX/XX/XXXX XXXX  XXXX XXXX XXXX {$350.00} date open : 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute an account that appears on my credit report under the name XXXX XXXX XXXX with a reported balance of {$440.00}. I am requesting that this account be investigated and removed due to lack of proper verification and inconsistencies in reporting. 

This debt is unfamiliar to me, and I have not received any documentation or proof of the original account, date of last activity, or signed agreement. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any item on my credit report that I believe is inaccurate or can not be verified.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute an account that appears on my credit report under the name XXXX XXXX XXXX with a reported balance of {$440.00}. I am requesting that this account be investigated and removed due to lack of proper verification and inconsistencies in reporting. 

This debt is unfamiliar to me, and I have not received any documentation or proof of the original account, date of last activity, or signed agreement. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any item on my credit report that I believe is inaccurate or can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital one is holding my funds XXXX due to a bank transfer that I did not do and they refuse to give me a time frame on when the account will be closed and the date I will be receiving the closed account check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX inquiry on my transunion credit repord i dont recognize.inquiry date XX/XX/XXXX please remove this inquiry from my credit report

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 2025-07-14 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: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX inquiry on my XXXX  credit repord i dont recognize.inquiry date XX/XX/XXXX please remove this inquiry from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
XXXX  is reporting an illegal account that does not belong to me. Barclays Bank Delaware XXXX XXXXXXXX is not my account and Barclays Bank has refused to remove this account knowing that it does not belong to me. I demand that XXXX and Barclays remove this account immediately and stop hurting my credit profile. Their action is an affront to the golden rule under the FCRA to report accurate and true information. As a result of their impunity, they continue to injure my credit rating.

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: FL

Complaint narrative:
I've reach out to this company to get a debt validation. I have not received the legal documents. Another problem that I am running into that it is showing a a charge off on my account. Charges off means that they sold the account and I have not received a 1099 form and if the account is charged off it should not be showing that I owe this company. Problem break down : - No debt validation has been proven when I requested -This company is showing a charge off on my credit report but shows I owe them - The company is showing charge off but has not provided a 1099 form There are three errors this company has negatively impacted my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This debt buying company continues to call me daily. I have asked them to stop calling twice. I do not know anything about the debt they're attempting to collect and I do not want them calling my phone daily, as they have been for months. I'm undergoing XXXX and dont need the additional stress they continue to pile on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am not satisfied with the companys response. 
I submitted a written request for debt validation, and under the Fair Debt Collection Practices Act ( FDCPA ), they were required to send me a validation letter within XXXX days. They never sent it, yet the account is still being reported to the credit bureaus, which is damaging my credit. 

I was also never properly notified that this debt had been sold or transferred to this collector. I only found out after it appeared on my credit report. This violates my rights under FDCPA Sections XXXX and XXXX, which protect consumers from false and misleading debt collection practices. 

I am requesting that : The debt be removed from my credit report immediately, and The company be held accountable for not validating the debt as required by law. 

Until the debt is properly validated, it should not be reported or collected on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc.
State: CT

Complaint narrative:
I am the victim of identity theft and unauthorized financial activity tied to my business and personal identity. ADP Retirement Services attempted to withdraw funds from my business bank account for a 401 ( k ) plan that I did not authorize for my business, XXXX XXXX XXXX. 

They also shared a package via email demanding documents and claiming they can not process 401 ( k ) funding because my account lacks funds. At the same time, an unauthorized debit was attempted through XXXX, XXXX XXXX XXXX XXXX. I disputed this debit, which was reversed. 

I never authorized ADP to set up a 401 ( k ) plan. They have no signed agreements from me. This is part of a broader identity theft investigation and has left my business accounts and credit in distress. 

I demand that ADP immediately stop any funding attempts, collections, or plan maintenance under my name or business and provide all records of any accounts or applications tied to me. 

I am also submitting complaints to the FDIC and other regulators because this activity impacts banking and financial services. 

Companies involved : ADP Retirement Services ( ADP LLC ) XXXX XXXX  XXXX XXXX XXXX ) XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXXXXXX BALANCE {$6100.00} DATE OPEN XXXX. XXXX XXXX XXXX BALANCE {$27000.00}.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent XXXX seperate attempts in writing to Transunion. They keep kicking my letters back saying they dont believe its me sending the letters. When I call them they just tell me I have to resend letters. I am sending them dispute letters on there reporting. I can not get them to take my disputes serious and now I have to get an attorney on these guys.

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Identity theft. 

SPRING OAKS CAPITAL LL XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/year> Collection account. {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The only collection account on my report is over XXXX XXXX XXXX and they will not delete. I have tried multiple times to resolve this.

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