vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: NH

Complaint narrative:
Dear CFPB, LVNV FUNDING LLC ; XXXX XXXX : I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. 
Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - [ x ] Original Credit Agreement proves the contract I signed - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ x ] Payment History Records verifies payments made or missed - [ x ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ x ] Notice of Default or Intent to Collect proof of communication as required by law - [ x ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ x ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ x ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A XXXX  XXXX bankruptcy is being reported on my credit file as if it were completed and XXXX, when in fact the case was dismissed. Reporting it this way is inaccurate and misleading because a dismissed bankruptcy does not carry the same weight or implications as a discharged bankruptcy. This negative and inaccurate reporting is unfairly damaging my credit profile and does not reflect my true financial situation.

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 2025-08-19 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: CA

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 non-monetary relief
Consumer complaint received 2025-08-19 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:
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 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 2025-08-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PRIMERA FINANCIAL CORP.
State: CA

Complaint narrative:
I tried to pay my first car note but things happen and I had funds pending so I contacted the finance company to let them know Ill be paying it late. 
The finance contact me at XXXX to say I have until XXXX to pay the vehicle. The tow XXXX XXXX came by at XXXX said he was driving for an hour to pick it up. I asked for his credentials and he said he didnt have to show them. Which Im not sure who he worked for he wasnt wearing uniform or anything. Shorts and a shirt. Almost took my leg lifting the car when I said he wasnt taking it. Send a picture to the finance company and it wasnt even on the hook. 
I was trying to pay it but they blocked my account so I dont pay it so I would have to pay the storage and tow truck fees. I called the finance company again and they were unprofessional and they couldnt even help me with someone who spoke XXXX properly which is XXXX  the miscommunication happened Im sure. They are XXXX professional and need customer service training. 
If someone calls for help they should help not try to turn it on me. And when the tow truck guy called them he used the work XXXX XXXX XXXX XXXX XXXX 
Very uncool and unprofessional but I think something needs to be looked into with that finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NC

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 non-monetary relief
Consumer complaint received 2025-08-19 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: NC

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 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 2025-08-19 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: EdFinancial Services
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and unlawful information being reported on my credit file regarding my auto loan with XXXX XXXX XXXX XXXX. According to my XXXX  credit report generated on XX/XX/XXXX, this account is listed as Paid, Closed as of XX/XX/XXXX. However, the report still inaccurately shows a repossession and multiple late payments, which misrepresents my payment history. 

Specifically, the following derogatory notations are reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Repossession : XX/XX/XXXX These entries are inaccurate and misleading because the loan has been paid in full. Once an account has been satisfied and closed, furnishers and credit reporting agencies are not permitted to continue reporting inaccurate delinquency data or repossession notations. 

Legal Basis of Dispute FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting repossession and late payments on a paid, closed account violates this requirement. 

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 : A furnisher of information shall not furnish information it knows or should know is inaccurate. XXXX  continued reporting of derogatory marks after payoff violates this section.

FCRA 611, 15 U.S.C. 1681i : As a consumer, I have the right to dispute inaccurate information, and you are required to conduct a reasonable reinvestigation within 30 days.

Requested Action I demand that all late payment notations and repossession references tied to this XXXX account be deleted from my credit report. The account should accurately reflect : Status : Paid, Closed Payment History : Never Late Notice of Escalation If these errors are not corrected within 30 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

This is a formal dispute under the FCRA. Please confirm in writing that these inaccuracies have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
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 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 2025-08-19 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-19 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: TX

Complaint narrative:
This morning, I found inaccurate accounts on my credit report and I can not understand why they are there. While reviewing my report, I noticed errors that suddenly appeared out of nowhere. I attempted to refresh my browser, thinking it might be a simple glitch, but the inaccuracies did not go away. Because of this, I am requesting a full review of the documents Ive sent so that I can finally have peace of mind regarding this matter.

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 2025-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc
State: NH

Complaint narrative:
Dear CFPB, Debt Collector : I am disputing the XXXXHarleyDavidson XXXX XXXX on my credit report, which is coded inconsistently, reaged with rolling late payments, and appears as both chargeoff and repossession. This dual reporting violates FCRA 1681e ( b ) ( duty of accuracy ) and 1681s2 ( a ) ( 1 ) ( A ), and fails XXXX terminal status requirements ( XXXX XXXX, XXXX ). Reaging post chargeoff is prohibited and harmful. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HarleyDavidson negligently and willfully failed to correct its reporting despite CRA disputes, violating FCRA 1681s2 ( b ), establishing legal precedent for deletion. 

Additionally, in Whiting v. HarleyDavidson Financial Services ( N.D. Ill., 2008 ), the court allowed negligent FCRA claims to proceedaffirming furnishers duties to report accurately.

Moreover, Yurth v. HarleyDavidson Credit Corp. ( E.D. Pa., 2022 ) demonstrates that consumers can bring FCRA claims against HarleyDavidson without arbitration blocking their access to justice. 

I have demanded full validation of the debt, including : - [ x ] Original Credit Agreement proves the contract I signed - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ x ] Payment History Records verifies payments made or missed - [ x ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ x ] Notice of Default or Intent to Collect proof of communication as required by law - [ x ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ x ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ x ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i Given these precedents, Harley-Davidsons continued reporting of a disputed, contradictory, and re-aged tradeline is demonstrably noncompliant with both FCRA and Metro 2 standards. 

If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k. 
Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year>, a {$5000.00} charge appeared on my account from a company called XXXX XXXX. I did not authorize this transaction and received no goods or services. I repeatedly reported it to Capital One as fraud. Instead of treating it as fraud, they mishandled my case, provided inconsistent and sometimes false information, dropped escalations, and kept me in endless calls without resolution. Despite my repeated reports, Capital One has not closed the case as fraud, and the unauthorized charge remains on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I purchased non-refundable tickets on XXXX XXXX on XX/XX/year>, for travel to XXXX on XX/XX/year>, using my Bank of America Alaska Airlines Visa credit card. 

In XX/XX/year>, multiple terrorist-classified drone attacks occurred in XXXX, XXXX incidents that closed airports and were publicly described by Russian authorities and international media as terrorism. These events occurred within 30 days of my scheduled arrival, creating unsafe conditions and making the contracted service ( safe air transport to XXXX ) unavailable as described. 

I purchased travel insurance through XXXX ( underwritten by XXXX XXXX XXXX XXXX ) specifically for this scenario. However, XXXX denied my claim without providing any explanation. I then filed a chargeback with Bank of America, submitting the following documentation : XXXX XXXX itineraries ( XX/XX/year> departure ) Payment receipt Insurance policy showing terrorism coverage under trip cancellation benefits Formal appeal letter to insurer News articles confirming XXXXXXXX XXXX in XXXX U.S. State Department Do Not Travel advisory for XXXX Bank of America denied my chargeback, stating the issue was with the insurer. However, the core problem is that the airline could not deliver the contracted service due to extraordinary and dangerous conditions beyond my control. 

I am requesting the CFPB ensure that Bank of America properly reviews my chargeback under the grounds of : Services not provided/ not deliverable Goods or services not as described due to extraordinary events preventing fulfillment This is not solely an insurance matter ; it is a matter of a credit card transaction for services that could not be rendered.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Items reported on credit inaccurate, removal being requested.

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