vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Identity theft Have no relationship to this collection agency Called and they hung up on me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to notify you that the above-referenced account, which you are reporting name of Resurgent/LVNV Funding, is fraudulent and does not belong to me. This rep constitutes a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 5 1 and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ).

Violations Noted : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - You are furnishing information to consumer re agencies that you know, or should know, is inaccurate.

2. 15 U.S.C. 1681s-2 ( b ) - After being notified of a dispute, you are required to reasonable investigation and correct or delete any information found to be i 3. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - The credit reporting agency must conduct a rea : reinvestigation within 30 days of my dispute. Your failure to properly validat results in continued inaccurate reporting.

4. 15 U.S.C. 1692e ( FDCPA ) - Prohibits false, deceptive, or misleading repre debt. Reporting and attempting to collect on a debt that does not belong t violation. Failure to comply with federal law will leave me no but to file complaints with the Consumer Financial Protection Bureau ( CFPB ) the Federal Trade Commission ( FTC ) and my states Attorneys General I will consider pursuing legal action Under 15 U.S.C. 1681n and 1681o

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion, XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information under the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute certain inaccurate, incomplete, or unverifiable information being reported on my TransUnion credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ), I request that you immediately investigate and remove the following accounts from my credit report, as they can not be verified with complete accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported 30 days late. I dispute the accuracy of this reporting. 

XXXX XXXX XXXX XXXX Reported as a charge-off. This account is inaccurate and unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection for {$1300.00}. I dispute the validity, balance, and legal standing of this account. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Collection account for {$610.00}. I demand verification of ownership, contract, and legal right to collect. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection account for {$1500.00}. This account is inaccurate and unverifiable. 

The FCRA requires TransUnion, XXXX XXXX XXXX  to conduct a reasonable investigation of each disputed item and delete any information that can not be verified or that is inaccurate. Reporting unverifiable information is a violation of federal law and subjects your agency and the furnisher of the information to civil liability. 

If these accounts can not be verified with complete documentation, they must be deleted immediately from my credit report. 

Please provide me with written confirmation of the results of your investigation within 30 days as required under the FCRA.

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 2025-09-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC
State: AL

Complaint narrative:
XXXX XXXX keeps calling for Rise Credit and I have never had an account with them. XXXX disputed it and they wouldnt send any results back. I need this account removed from all credit bureaus as XXXX XXXX aka Rise Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXXXXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-09-04 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: CA

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXXXXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
Money was fraudulently taken from my account. I revived a text that I thought was from my bank asking me if I was attempting to make a charge in another state. I texted no. I then revived a text stating that a rep would be calling. 10 mins later I received a call from a woman who said she was calling from my bank. She said she was freezing my account and that they would move my funds to another account. So I would still have access to she proved me with a code and told me I needed that to make a transfer complete. I did what she instructed as she knew details about my bank account t. I thought it was a legitimate call from chime. Then I received an email confirming I sent money to a friend. I immediately called chime and explained what happened. They said they would investigate the fraud. A few days later they denied my claim. I have made several attempts to provide proof to chime of the texts and call I received from the fraudulent party. But no response from chime.

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

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-09-04 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: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I had 12 months interest free through FortivaXXXXXXXX XXXX XXXXXXXX beginning the end of XXXX. I questioned why the monthly payment was much larger than the " minimum '' but smaller than the monthly amount to pay off account in 12 months. I also questioned when this started since I had to move my delivery several times. 

As a result I've been charged almost {$1000.00} in interest and there was NO notice when 12 months was up. XXXX XXXX gave me notice and I paid it off. 

On top of that I was sent multiple pre qualifications for a credit card with a limit of {$3000.00} and when I finally accepted it the limit was only {$1000.00}. I was looking for more to show a lower credit utilization and felt like I was tricked into opening another account with them. 

It has left a very bad taste in my mouth and I have paid all accounts on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I provided information for them to remove the collections to be removed and nothing. I ask for validation and contract between me and third party 's and nothing again. So I lost my chance at home ownership

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: IA

Complaint narrative:
On XXXX a hotel in XXXX XXXX released a {$74.00} hold. Hotel provided me with receipts and I sent these to CashApp. They refused to release the hold and said it will drop off on XX/XX/year>. XX/XX/year> is here and the hold is still there. Reached back out to CashApp and they said they can not do anything despite new documentation provided from the hotel in the form of a letter stating they no longer have the funds. 

Also, had another hotel stay in XXXX and provided the same type of documentation and within 2-3hrs the hold was gone. Id love to know what the difference is between XXXX hotel and XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
XXXX sold my lien to XXXX XXXX XXXX on XX/XX/year> but failed to release it with IL DMV. They falsely report {$4000.00} debt on my credit report despite no longer owning the debt. I demand : Lien release ( IL SOS Form REG-5 ) Credit report correction {$1500.00} in damages Attached : XXXX XXXX XXXX  text demand

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to dispute a fraudulent account listed under my name. I never opened, authorized, or managed this account, and I deny any connection to it. Its reporting is false and has damaged my credit record, creating unnecessary financial risk and personal distress.

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 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-09-04 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: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Narrative : I am filing this complaint regarding a XXXX XXXX XXXXXXXX account being reported with false and contradictory derogatory information by XXXX  TransUnion, and XXXX 

Account details : Creditor : XXXX Account Number : XXXX ( masked ) Opened : XX/XX/XXXX Closed : XX/XX/XXXXXXXX XXXX inconsistently reported ) Balance : {$0.00} ( but bureaus continue to report derogatory marks ) High Balance : Inconsistent ( {$1900.00} vs {$1400.00} ) Issues : False collection/charge-off reporting Account is simultaneously marked as Closed, Purchased by another lender, and still showing derogatory statuses. 

Inconsistent and contradictory reporting across bureaus Different open/close dates, high balances, and last activity dates. 

Missing validation of debt No original creditor is listed, no assignment documentation has been provided, and no payment records exist to justify derogatory marks. 

Unverifiable comments Purchased by another lender is being reported without naming the purchaser, which violates transparency requirements. 

Federal Law Violations : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Requires consumer reports to ensure maximum possible accuracy. 

605 ( 15 U.S.C. 1681c ) Prohibits unverified derogatory information.

607 ( 15 U.S.C. 1681e ) Requires bureaus to follow reasonable accuracy procedures.

609 ( 15 U.S.C. 1681g ) Entitles consumers to disclosure of the original creditor and proof of debt.

611 ( 15 U.S.C. 1681i ) Mandates reinvestigation of disputed data within 30 days. 

623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from knowingly reporting false information.

FDCPA : 807 ( 15 U.S.C. 1692e ) Prohibits misrepresentations of debt.

808 ( 15 U.S.C. 1692f ) Prohibits unfair practices, including reporting unverifiable 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the late payment reflected on my credit report. This entry is inaccurate, as my documented history confirms timely payments without exception.

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 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and financed the vehicle with Capital One Auto Finance. At the time of sale, the dealer signed a New York DMV Damage Disclosure Statement certifying that the vehicle had not been wrecked, destroyed, or substantially damaged.

After the purchase, I obtained vehicle history records showing the car had been sold at a salvage auction in XXXX with documented frame and front-end damage. This proves the dealers disclosure was false and that the sale was based on misrepresentation.

Because the underlying sales contract was fraudulent, the related retail installment loan with Capital One Auto Finance is also invalid. On XX/XX/XXXX, I mailed a dispute letter to Capital One under the Fair Credit Reporting Act requesting that my account be marked as disputed and that no adverse credit or collection activity occur while this matter is under review.

This complaint is being filed to ensure Capital One fully investigates the dispute and protects me from further financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 non-monetary relief