vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am filing this complaint against LVNV Funding LLC regarding an alleged XXXX XXXX XXXX account ( Account ending in XXXX ). On XX/XX/year>, I sent LVNV Funding a formal written Debt Validation Request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that letter, I requested : Full validation of the alleged debt A complete chain of assignment / chain of title proving LVNV Funding legally owns the account A copy of the original contract All payment history The charge-off date and charge-off balance Whether a Form 1099-C was ever issued All accounting showing how they calculated the balance they claim LVNV Funding received my letter and has failed to provide ANY response. They have not validated the debt, they have not produced chain of title, and they have continued collection efforts without providing verification.

Under the FDCPA, LVNV Funding is required to : 1. Cease all collection activities until proper validation is provided 2. Provide clear documentation showing that they own the debt and that the balance is correct 3. If they are reporting the account to credit bureaus, they must mark it disputed by consumer LVNV Funding is violating the FDCPA by : Ignoring my written dispute and validation request Continuing collection attempts without validating the debt Failing to provide a legally required response Potentially reporting unverifiable information to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: GA

Complaint narrative:
Violations : Collection marks reported prior to account open date Inaccurate and unverifiable timeline FCRA Laws Violated : 15 USC 1681e ( b ) 15 USC 1681i ( a ) 15 USC 1681s-2 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I made a payment of {$700.00} through XXXX using the XXXX XXXX App to a seller named XXXX XXXX in XXXX XXXX, FL, who advertised a set of Titleist XXXX golf clubs as authentic on XXXX XXXX XXXX After receiving the payment, I inspected the product more closely and discovered that the clubs were counterfeit. I confirmed this by contacting XXXX directly, who informed me that the serial number on the irons did not match their records, and the insert placement was inconsistent with authentic Titleist specifications. 

I immediately attempted to contact the seller for a refund through XXXX, but I found that the seller had removed the XXXX XXXX listing and blocked me, preventing any further communication. Given the fraudulent nature of the transaction, I reached out to both XXXX and Zelle to request a cancellation or reversal of the Zelle payment. 

However, despite my efforts, both Zelle and XXXX have been inactive in addressing my issue. I was told by Zelle that Zelle transactions are typically irreversible, but I was not provided with a satisfactory resolution or further assistance. Zelle keeps directing me to contact XXXX. Additionally, on their website ( https : //www.zelle.com/understanding-fraud-scams ), there is no information on how to resolve fraud cases or substantial efforts to protect customers against fraud through Zelle. After I reported the fraud to XXXX, they closed the case within a day, without conducting a thorough investigation or providing meaningful support in recovering the funds. Both parties have failed to take any meaningful action to resolve the fraud, despite the clear evidence of wrongdoing. 

Services like XXXX and XXXX XXXX offer fraud protection, but Zelle does not. There is no way for customers to assume that Zelle offers no protection, although it is now a prevalent cash-sending service in the XXXX, XXXX for transactions that clearly involve fraud. 

As of now, the payment has not been refunded, and I have been left without the product and without any support from XXXX or Zelle. I am filing this complaint to seek immediate assistance in recovering the {$700.00} and to ensure that XXXX and Zelle are held accountable for their failure to provide proper support in this case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
I submitted written disputes, personal information corrections, and full reconstruction requests to all three credit bureaus. They have not corrected the issues and are still reporting : Illegally re-aged charge-offs Sold accounts still showing charge-off status Incomplete or missing payment histories Impossible delinquency dates Unauthorized hard inquiries Accounts tied to incorrect identity data Balances that can not be verified Multiple FCRA 611 ( a ) violation failures Failure to complete investigations properly Failure to provide method of verification Failure to honor 609 ( a ) requests Refusal to delete unverifiable information I am requesting federal intervention because the bureaus and furnishers are continuing to violate federal law.

I attached : Three ( 3 ) bureau dispute letters Five ( 5 ) furnisher dispute letters A legal violation summary A reconstruction demand for each bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted written disputes, personal information corrections, and full reconstruction requests to all three credit bureaus. They have not corrected the issues and are still reporting : Illegally re-aged charge-offs Sold accounts still showing charge-off status Incomplete or missing payment histories Impossible delinquency dates Unauthorized hard inquiries Accounts tied to incorrect identity data Balances that can not be verified Multiple FCRA 611 ( a ) violation failures Failure to complete investigations properly Failure to provide method of verification Failure to honor 609 ( a ) requests Refusal to delete unverifiable information I am requesting federal intervention because the bureaus and furnishers are continuing to violate federal law.

I attached : Three ( 3 ) bureau dispute letters Five ( 5 ) furnisher dispute letters A legal violation summary A reconstruction demand for each bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
I never opened this account, and its presence on my report is inaccurate.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I saw this morning that unauthorized inquiries are still appearing on my credit report and I am extremely frustrated because I do not understand why. These unauthorized inquiries did not disappear even after refreshing my browser. I urgently ask that the documents I sent be reviewed carefully so I can finally stop stressing about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Dave Operating, LLC
State: NV

Complaint narrative:
> On XX/XX/year>, I used the Dave app to request a {$500.00} advance. The funds were deposited into my Dave account that same day. 

On XX/XX/year>, while the funds were still there, multiple unauthorized transactions appeared, all labeled XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, totaling about {$500.00}. I did not authorize these transactions, and I have never used XXXX, never purchased XXXX XXXX, and never used my Dave digital card for any transaction. I live in XXXX, XXXX, not XXXX. 

The fraudulent charges drained my advance, leaving only {$19.00} in the account. I immediately reported the issue to Dave, froze my card, and fully cooperated with their investigation. 

Dave delayed the normal settlement date for repayment while they investigated, but then concluded the issue was not an error. Now they plan to withdraw {$500.00} from my linked Chime checking account on XX/XX/year>, forcing me to repay money I never received or used. 

I believe Daves denial violates my rights under Regulation E, which requires full reimbursement for unauthorized electronic fund transfers. There is no evidence that I authorized or benefited from these transactions. 

I am requesting the CFPB to require Dave to : XXXX. Reopen the fraud case for a manual review ; XXXX. Refund the {$500.00} in unauthorized charges ; and XXXX. Cancel or postpone the repayment withdrawal scheduled for XX/XX/year> until the issue is fully resolved. 



I have documentation of all transactions, the fraud report, and Daves investigation messages, which I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-15 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: CA

Complaint narrative:
Despite being paid in full, the account continues to show late payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NV

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-15 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: GA

Complaint narrative:
I am filling to formally request, under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), that you block and remove fraudulent information from my credit file. The following accounts do not belong to me and appear to be the result of identity theft or inaccurate reporting. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$250.00} Date Opened : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} Date Opened : XX/XX/year> I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$250.00} Date Opened : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} Date Opened : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to 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 2025-11-15 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: GA

Complaint narrative:
I am filling to formally request, under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), that you block and remove fraudulent information from my credit file. The following accounts do not belong to me and appear to be the result of identity theft or inaccurate reporting. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$250.00} Date Opened : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} Date Opened : XX/XX/year> I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$250.00} Date Opened : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} Date Opened : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I do not own this account, and it is showing up on my report incorrectly.

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 2025-11-15 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: MD

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-11-15 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: FL

Complaint narrative:
Subject : Unauthorized Hard Credit Inquiries Violation of FCRA 604, 609, 610 & 611 Credit Bureau : TransUnion Description of the Problem I am filing a formal complaint because my TransUnion credit report contains multiple unauthorized hard inquiries from companies with which I have no relationship, no applications, and no permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

The following companies appear on my credit report without my authorization : PREMIUM CB ( Miscellaneous ) XX/XX/XXXX PREMIUM CB ( Miscellaneous ) XX/XX/XXXX XXXX CARD ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX FCU ( Finance ) XX/XX/XXXX I never applied for credit, never authorized these inquiries, and never gave written or electronic permission to any of these companies. 
These inquiries are reducing my credit score and creating risk of identity theft.

-- - Violations of Federal Law 1. FCRA 604 ( a ) ( 3 ) Permissible Purpose Requirement A company must have my express permission or a legitimate credit application to access my credit report.

These companies can not demonstrate any permissible purpose, making these inquiries unlawful.

2. FCRA 609 ( a ) ( 1 ) Right to Full Disclosure I have the right to know who accessed my credit, why, and under what authority.

None of these companies have provided such information.

3. FCRA 610 & 611 Duty to Investigate & Correct Once a consumer disputes inaccurate or unauthorized items, the bureaus must : Conduct a reasonable investigation Obtain written verification from the furnisher Delete the item if the furnisher can not prove permissible purpose If the creditor can not produce my signed application or written authorization, the inquiry must be removed immediately. 

XXXX. Regulation V ( XXXX CFR Part XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX must only provide accurate and legally permissible data. 
Unauthorized inquiries violate accuracy standards. 


-- - Requested XXXX I am demanding : XXXX. XXXX investigation into ALL inquiries listed above. 


XXXX. Each creditor must provide documented proof of permissible purpose under FCRA XXXX, including : A signed credit application A signed authorization Written proof I initiated a transaction XXXX. If no proof exists ( which it does not ), each inquiry must be : Permanently deleted from my TransUnion credit file. 


XXXX. Notify me in writing with the full results of the investigation. 


XXXX. Provide fraud protections and monitoring if identity theft is suspected. 




-- - Impact These unauthorized inquiries have harmed my XXXX XXXX, affected my creditworthiness, and indicate potential identity theft. 
This is causing financial stress and violates my consumer rights under federal law. 


-- - Requested Deadline Please complete this investigation within the XXXX XXXX period and confirm deletion in writing.

Company response to consumer: Closed with explanation