vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
This is a formal dispute of inaccurate and fraudulent data currently present on my credit report. These entries do not reflect any authorized activity on my part and must be considered invalid.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding placed a {$4700.00} collection account on my credit report originally through XXXX after acquiring the debt from XXXX XXXX XXXX XX/XX/ 2022. I submitted documentation of financial hardship multiple times and was told collection activity would be suspended. Despite this, LVNV continued reporting and later shifted the account to XXXX  without notice. I also received a denial for a federal PLUS loan, which cited the XXXX  reporting as the cause. When I disputed with XXXX, the account was removed. I submitted debt validation requests asking for original contracts, payment history, assignment proof, and how much was paid for the debt. LVNV failed to fully validate and continued to report it inaccurately. Ive also requested deletion based on hardship and the age of the debt. The continued reporting has harmed my credit, mental health, housing, and educational opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
I am requesting the immediate deletion of an address inaccurately listed on my credit report. I have never lived at this location, and its continued presence on my report is misleading.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: WA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Unauthorized Reinsertion of XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute a collection account reported byXXXX XXXX XXXX has beenreinsertedon my credit filewithout proper notification, which is a direct violation of my consumer rights under theFair Credit Reporting Act ( FCRA ), specifically15 U.S. Code 1681i ( a ) ( 5 ) ( B ). 
Back XXXX of XXXX, this same collection account was reported without proper notice and was removed. It is now evident that XXXX XXXX XXXX has willfully disregarded the law by re-reporting this same account without providing the requiredwritten notice within XXXX business daysof reinsertion, as mandated by the FCRA. The account in question is as follows : Account Number : XXXX XXXX XXXX- XXXX As a consumer reporting agency, it isExperians legal obligationunder15 U.S. Code 1681i ( a ) to ensuremaximum possible accuracyof the information contained in a consumers file. This responsibility includes verifying that any reinsertion of previously deleted information follows proper procedures and that the consumer is notified accordingly. 
If XXXX XXXX XXXX can not provide documented proof a certified mail receipt with my signature confirming that I received proper notification and had the opportunity to dispute this debt, then this account must be removed from my credit report immediately. Furthermore, all collection efforts must cease at once. 
I am demanding that Experianaggressively investigateand resolve this matterwithout delay, as this is now thesecond timethis account has been wrongfully reported without adherence to proper notification requirements. Due to thenegligencedemonstrated by both XXXX XXXX XXXX and Experian in following federally mandated reporting procedures, removal of this collection is mandatory. 
Please send me written confirmation within15 daysthat this account has been deleted from my credit report and that XXXX XXXX XXXX has ceased any and all collection activities related to this account. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, 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 609 ( a ) ( 1 ) ( 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 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may 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. XXXX {$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 Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I am formally disputing fraudulent accounts on my consumer report that have been linked to identity theft. I never provided written authorization, including a wet signature, for the inclusion of these accounts on my credit report. These unauthorized entries have caused significant emotional and financial distress by inaccurately representing my credit history and preventing me from achieving important financial goals, including purchasing a home and meeting my family 's needs. I am requesting the immediate blocking and removal of these disputed accounts from my report, as their continued presence violates my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
I'm very confused with the payoff process, and why my balance isn't going down faster. The loan was for XXXX XXXXXXXX in XXXX what they sent me was {$21000.00}, because of a {$2300.00} " origination fee ''. It's been over 7 months and I've already made {$4500.00} in installment payments, yet my pay off balance is still {$22000.00} .. which is {$790.00} MORE than what I actually received. This feels very predatory and I feel like a victim of marketing and gimmicks, I thought XXXX XXXX was all about helping people get out of financial hardship yet I'm worse off than I was 7 months ago because of this loan. Yes I read the fine print, but I couldn't fully understand what I was getting into untill now after seeing my hard earned money thrown away. I'm still going to make my payments, I made my bed, but I just want my voice heard so other people can hear my experience and don't fall victim like I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1. Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency.

2. A full itemization of the alleged debt, including principal, interest, fees, and all charges.

3. Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt.

4. Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in FDIC v. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX ). 
Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), which supports the principle that the note and security instrument can not be separated. 
Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity.

Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within 30 days will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I reserve my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX - XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} US DEPT ED XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} USDEPTOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Detailed description of the problem : This morning, without any prior notice, I discovered that XXXX had restricted my accounts, leaving me unable to access my funds or use my two active credit cards, which are in good standing. When I went to the branch to inquire, I was verbally informed that the reason for the restriction was my failure to present a valid passport from XXXX, my country of origin. 

I am currently an asylum seeker in the United States because of political persecution and discrimination based on my sexual orientation. I am legally present in the XXXX with valid documentation : a Florida Real ID and an Employment Authorization Document ( EAD ) valid until 2029, both issued by U.S. authorities. 

I explained to XXXX that requesting a Cuban passport is not only unnecessary for identity verification since I already meet U.S. legal requirements but also conflicts with my asylum status : As an asylum seeker, I can not and should not maintain contact with the government I fled, according to the Immigration and Nationality Act ( INA 208 ; 8U.S.C.1158 ) and 8CFR1208.13 ( b ) ( 2 ) ( ii ).

Requesting a Cuban passport endangers my safety, my privacy, my familys safety, and could harm my asylum case. 

U.S. banking laws ( XXXX XXXX and XXXX ) accept U.S.-issued documents, which I have already provided, as sufficient for identity verification. 

Despite this, XXXX insists on requiring a valid Cuban passport something I believe to be arbitrary, discriminatory, and contrary to my rights as an asylum seeker and to applicable legal and regulatory standards. 

When did the problem occur? 
This morning, when I discovered the restriction without any prior notification and without being given an opportunity to resolve the matter before being denied access to my funds and credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I got a capital one card I cut it on. I use it a couple times and then it went restricted. I didnt use it for anything illegal or anything wrong. I just used it. I went to the gas station bought some stuff online that was it and I planned on paying it all off when I got paid tomorrow which will be the XXXX of XXXX. Is it {$300.00} limit however is for me to fix my credit and take my score higher so that I get a house. Capital one restricts the card OK no problem. They said they want to verify my bank account so I sent them my bank account. I sent it to them. They tell me all this is not reliable bank account. Its a bank account. It is verifiable. You can check Call And that was all they said, and I said we wont leave your account restricted. After Ive sent them everything that they asked for my ID my address proof of address everything I even told him I opened it. It was me nobody else its not fraudulent its me. I opened it so I could build my credit well oh well were gon na cut it off anyway And I only had it a week then theyre gon na try to put it on my credit report when they cant say that I asked for to be closed when I never asked for it to be closed because they did it before to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-07-11 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$680.00} XXXX XXXX XXXX XXXX XXXX  {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$310.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This account is not mine and was open without out my knowledge I've been disputing this for a while now and still nothing

Company response to consumer: Closed with non-monetary relief