vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a credit alert regarding a collection account allegedly originating from XXXX XXXX XXXX XXXX XXXX  now being reported by * * Resurgent Capital Services * *. I immediately disputed this account, as it is * * not mine * *, and I requested the following documentation : XXXX. * * Proof of assignment or legal transfer * * of the debt from XXXX to Resurgent.

2. A * * complete chain of title * *, including : * Forward Flow or Purchase Agreements between all involved parties * Bills of Sale for each transfer of ownership Despite these requests, no documentation was ever provided. 

Then, on * * XX/XX/XXXX * *, I submitted another dispute with * * TransUnion * *, restating that I had no knowledge of this account and requesting the same documents. I also provided TransUnion with copies of my previous correspondence with Resurgent. Once again, no action was taken, and no documentation was produced.

I have * * never held an account with XXXX XXXX XXXX and upon contacting them directly, I was informed they have * * no record of any account, charge-off, or delinquency associated with my Social Security XXXX XXXX *. 

Now, in XXXX, this same alleged debt has resurfaced and is being reported by * * LVNV Funding * *, who claims to have purchased it from Resurgent. I maintain that this debt is * * not valid * *, has * * no connection to me * *, and I am requesting full documentation or immediate removal from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
I have submitted formal written disputes to TransUnion identifying multiple inaccuracies in my credit file, including erroneous account information, outdated personal data, and unauthorized inquiries. My disputes were submitted pursuant to 15 U.S.C. 1681i ( reinvestigation of disputed information ) and 1681e ( b ) ( duty to follow reasonable procedures to assure maximum possible accuracy ). Despite providing clear evidence and documentation, TransUnion has failed to : Conduct a reasonable reinvestigation under 1681i ( a ), Provide verification of disputed items from original furnishers, Correct or delete inaccurate data, Ensure compliance with 1681e ( b ).

I am requesting that TransUnion promptly comply with their statutory obligations by deleting or correcting all unverifiable or inaccurate information, ceasing the reporting of obsolete identifiers, and providing full results of reinvestigation pursuant to 1681i ( a ) ( 6 ).

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding the continued reporting of closed and outdated accounts by the three major credit bureaus : Experian, TransUnion, and Equifax. These accounts are no longer active and should have been removed under the guidelines of the Fair Credit Reporting Act ( FCRA ). 

Despite submitting formal disputes, these closed accounts remain on my credit report and are being reported in a way that reflects negativelysome even as negative inquiries or derogatory marks. This misreporting is unfair, inaccurate, and harmful to my credit standing. 

As a result, my credit score has been negatively impacted, and I have been denied access to essential loans and credit opportunities, limiting my ability to achieve financial stability. 

I am requesting a formal investigation into the failure of all three credit bureaus to comply with FCRA guidelines, and for immediate removal of any outdated or inaccurately reported closed accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding the continued reporting of closed and outdated accounts by the three major credit bureaus : Experian, TransUnion, and Equifax. These accounts are no longer active and should have been removed under the guidelines of the Fair Credit Reporting Act ( FCRA ). 

Despite submitting formal disputes, these closed accounts remain on my credit report and are being reported in a way that reflects negativelysome even as negative inquiries or derogatory marks. This misreporting is unfair, inaccurate, and harmful to my credit standing. 

As a result, my credit score has been negatively impacted, and I have been denied access to essential loans and credit opportunities, limiting my ability to achieve financial stability. 

I am requesting a formal investigation into the failure of all three credit bureaus to comply with FCRA guidelines, and for immediate removal of any outdated or inaccurately reported closed accounts from my credit file.

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 2025-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
15.U.S.C 1681 section 602 A .ESTATE I HAVE THE RIGHT TO PRIVACI 15U.S.C 1681 SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WHITEN INSTRUTIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this bank has violated my right with my information 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

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 2025-07-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
15.U.S.C 1681 section 602 A .ESTATE I HAVE THE RIGHT TO PRIVACI 15U.S.C 1681 SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WHITEN INSTRUTIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this bank has violated my right with my information 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Account LVNV FUNDING LLC XXXX in the amount of {$1300.00} I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
On XXXX seventh I opened an account with axos bank and then made a mobile check deposit in the amount of {$1900.00}. I was told my account would be on hold XXXX days, which was understood However, during the XXXX  days, I attempted to link an external account. It happened to not be in my name. It was in my mother 's head and so they put a restriction on my account and told me to verify identity. I did do this after which they did not lift the restriction. The day before my phones would be available to use. They just decided to come up with another situation. Being for me to send them to physical check In order for the restriction to be lifted that it will not be Lifted, unless or until they receive the check.I asked him why and told them that Their disclosures for mobile check deposits does not state anything about me sending the physical XXXXIn fact, the state said I am to hold on to the check for XXXX days securely. The funds are already available in my account. However, they have the restriction in place, which stops me from being able to access them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
Submitted as a formal second-round complaint on XX/XX/year>. This is a follow-up to my identity theft dispute submitted to your agency on XX/XX/year> under FCRA 605B ( 15 U.S. Code 1681c2 ). Despite providing all documentation required by law including a government-issued photo ID, proof of address, and an FTC Identity Theft Report meeting the definition under 603 ( q ) your agency has failed to comply with multiple legal obligations. The disputed accounts and inquiries still remain on my credit report as confirmed by my updated IdentityIQ report, and I have not received any written explanation for your noncompliance, which constitutes a clear and willful violation of FCRA 605B ( c ) ( 1 ) and ( d ) ( 1 ). You were legally required to block the fraudulent items within XXXX business days of receipt and notify the furnishers accordingly. You did neither. Your agency has also violated 605B ( e ) by continuing to report these items without providing any material evidence that my identity theft report was submitted in error. Furthermore, your failure to notify me in writing as required by 605B ( g ) ( 1 ) ( B ) which mandates that if a CRA declines to block disputed data, it must send the consumer a detailed explanation is a direct breach of federal law. You simply ignored a legally sufficient identity theft request backed by full documentation. This is unacceptable. You have also violated your statutory duty under 607 ( a ) to maintain reasonable procedures to ensure compliance with FCRA, and 610 ( a ) which requires providing consumers a fair process to correct inaccurate or fraudulent information. I am demanding immediate removal of the following accounts and inquiries and a written confirmation of the block. Continued failure to act will result in escalation to the CFPB with documented proof of your noncompliance, additional complaints filed with the BBB, FTC, and state attorney general, and potential legal action for willful violation of federal law. You are now on legal notice. Fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: MI

Complaint narrative:
On XX/XX/year>, I received an email from TrueAccord stating I owed XXXX XXXX XXXX XXXX {$1700.00}. There were not emails from the actual company concerning an outstanding balance as the account was closed. I continued to receive emails however there were no reports on my credit report so I believed it was a false attempt to collect a debt. On XX/XX/year> I received notification from my bank that a new collection from True Accord that was added to my credit report. I called XXXX XXXX XXXX on XX/XX/XXXX who confirmed that I do not owe on the account : XXXX and that the account was closed.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CT XXXX DOB : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Charge-Off under FCRA ( 15 U.S.C. 1681i ) and FCBA ( 15 U.S.C. 1666 ) To Whom It May Concern in TransUnion Dispute Department I am formally disputing an inaccurate and potentially misleading item on my credit report, as provided to you under my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. 
The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Payment Status : Collection/Charged Off Charged Off : XX/XX/XXXX Reported Past Due Balance | Balance Owed : {$3900.00} I am disputing the accuracy of the reporting of this account, particularly the designations of " Charged Off '' " Past Due Balance Owed '' Date Opened '' These terms are factually inaccurate, many inaccuracies and do not reflect the correct status of the account. Such reporting misleads creditors and potential lenders and is a violation of your obligation to maintain complete and accurate information as required by FCRA 1681e ( b ).

To support my dispute, I am requesting that you conduct a full investigation under the FCRA and verify the accuracy of the information being reported. Specifically, I request the following : XXXX. A copy of the original signed contract or application bearing my signature ; XXXX. A full account payment history and accounting of the balance ; XXXX. Documentation showing XXXX XXXX still owns or legally services this debt ( or if it was transferred/sold, details of the chain of custody ) ; XXXX. The name and contact details of the furnisher who verified this information ; XXXX. Evidence that this charge-off has not been settled, satisfied, or otherwise closed through legal, financial, or securitization mechanisms ; XXXX. All documentation used to verify the account, as required under FCRA 611 ( 15 U.S.C. 1681i ) ; 7. Confirmation that this information is being reported in full compliance with the FCRA, and that it does not misrepresent the current legal or financial status of the account.

Until the results of this investigation are complete, please mark this account as in dispute on my credit report, in compliance with FCRA 1681c ( f ). If the requested documentation is not provided within 30 days, or if you can not substantiate the validity of this information, I request the immediate removal of this account from my credit file. 
Please respond to my dispute at the address above. A failure to respond adequately may result in legal action under the FCRA and other applicable consumer protection statutes. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My Venmo account has been frozen due to a transaction that was allegedly disputed by the sender, but this dispute was never initiated by them. 
On XX/XX/year>, I received {$950.00} from XXXX XXXX via Venmo ( Transaction ID : XXXX ). I then transferred the funds to my linked bank account. 
Later, Venmo claimed that a dispute ( Dispute ID : XXXX XXXX XXXX been filed by the sender, which resulted in my Venmo account showing a negative balance. However : - The sender did not file any dispute with Venmo or their financial institution. 
- The sender has not received a refund of the {$950.00}. 
- The sender and I both contacted Venmo multiple times, submitted explanations and evidence, but Venmo closed the case without resolution. 

Venmo is now demanding that I pay {$950.00} to restore access to my frozen account, even though the situation is caused by an internal error or mishandling of the dispute process. 
This is unfair and seems like a case of financial mismanagement on XXXX part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: HI

Complaint narrative:
I am writing to dispute an inaccurate and potentially fraudulent account currently listed on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ) and Section 605B ( 15 U.S.C. 1681c-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that are mark as an accurate. 
XXXX Account Number : * XXXX Type : Auto Loan Balance : {$14000.00} Status : Charge Off XXXX XXXX XXXX Account Number : * XXXX Type : Auto Loan Balance : {$24000.00} Status : Charge Off XXXX Account Number : * XXXX Type : Auto Loan Balance : {$0.00} ( was charged off for {$11000.00} ) Status : Charge Off ( Transferred/Sold ) 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
Issue : Inaccurate credit reporting, failure to investigate disputes, FCRA violations. 

What Happened? 
Equifax is reporting incorrect mortgage/credit line data ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX  with multiple discrepancies : Date Opened ( XX/XX/year> vs. other bureaus ). 

High Credit ( {$72000.00} vs. {$72000.00} ).

Credit Limit ( {$0.00} vs. {$72000.00} ).

Payment History shows false delinquencies ( XXXX lates ) despite {$0.00} balance and " Paid '' status. 

Violations : FCRA 611 ( a ) ( 1 ) ( A ) Equifax failed to conduct a reasonable investigation after disputes.

FCRA 623 ( b ) ( 1 ) ( D ) XXXX  furnished inconsistent XXXX XXXX data, which Equifax ignored. 

FCRA 605 Obsolete/incorrect data harms my creditworthiness.

Resolution Requested : Immediate deletion of the account or correction to match other bureaus.

Documentation of investigation method ( MOV ) per FCRA 611 ( a ) ( XXXX ). 

Confirmation of compliance sent to me in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: FL

Complaint narrative:
The first time that I received a credit hit I contacted the company and was told by XXXX of the woman agents that it was due to me still having the equipment in which I asked and confirmed that once I returned it I would no longer be liable for the debt, she told me yes, and gave me the location to return said equipment. I reached out to make sure the company received the equipment, and they said yes that the charge would soon drop, I disputed and it was approved and removed. Since then Ive had to dispute this charge XXXX more times because they keep selling it to different companies, Im getting harassed through text messages, emails, phone calls, voicemails day in and day out. So once I reached out to the company the story has since changed and Ive been told that that was not the reasoning for the charge that I have a final outstanding bill which is not true. I believe that it is unlawful for this to keep getting approved through dispute and re added once they sell it to another company. Each time the dispute has been approved and removed after dropping my credit score XXXX points each time. This is the only negative thing on my credit report other than my student loans so its quite disheartening that a company I utilized and trusted keeps selling a debt in my name. I was told by XXXX XXXX that they see where it has been approved and removed on multiple counts and sold to another collector and rehit in which they suggested me to contact you.

Company response to consumer: Closed with explanation