vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
Ok on XX/XX/year> my account was frozen i waited the XXXX hours they said it would be back up on XX/XX/year> at XXXX well they unfroze it at XXXX on XX/XX/year> then froze it again at XXXX on XX/XX/year> with no info why and I have to wait XXXX hours again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: PA

Complaint narrative:
There is a collections account on my credit report with all 3 credit bureaus. I disputed it with all 3, providing proof that I was incarcerated at the time the account was created. XXXX  quickly deleted it off of my credit file, transunion and equifax refused, they ignored my government issued proof of incarceration and denied the dispute. It is physically impossible for this account to be mine as I was incarcerated. I ask that this be actually investigated and promptly removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
RE : Dispute and Demand for Validation Account Number : XXXX Creditor : XXXX XXXXXXXX XXXX, XXXXAmount Reported : $ XXXX : Paid Collection To Whom It May Concern, I am writing to formally dispute the above-referenced account that your company is reporting on my consumer credit report. Although this account is marked as paid, payment does not constitute validation, nor does it waive my rights under federal law.

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please provide full and complete validation of this alleged debt, including : 1 Proof that LVNV Funding LLC owns this debt, including a complete chain of assignment from XXXX XXXXXXXX XXXX  to LVNV.

2 A copy of the original signed credit agreement or application bearing my signature.

3 A complete accounting and payment history, including how the balance of {$810.00} was calculated.

4 The date of first delinquency as reported by the original creditor.

5 Documentation showing the debt was legally collectible at the time it was paid.

6 Proof of your authority and licensing to collect debts in my state at the time of collection.

7 Evidence that the information being reported is 100 % accurate and verifiable as required by the FCRA.

If you are unable to provide the above documentation, then continued reporting of this account constitutes the reporting of unverifiable and inaccurate information, which is prohibited under federal law. 
In the event you can not fully validate this account, I demand that you immediately delete this tradeline from all consumer reporting agencies, including XXXX XXXX and XXXX 
Please note that this letter is not a refusal to pay, nor an acknowledgment of liability, but a formal request for validation and accuracy verification. Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-18 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to file a formal complaint against LVNV Funding LLC for violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Texas Debt Collection Act ( Texas Finance Code Chapter 392 ) regarding account number [ Your Account Number ].

I am disputing this account under the following Texas and Federal provisions : Failure to Cease Collection During Dispute ( Tex. Fin. Code 392.202 ) : LVNV Funding has failed to provide validation of this debt despite my written request. Under Texas law, a debt collector must cease collection efforts until an investigation determines the accurate amount of the debt. 
Inaccurate and Deceptive Reporting ( Tex. Fin. Code 392.304 ) : LVNV is reporting misleading information to credit bureaus. Texas law strictly prohibits " fraudulent, deceptive, or misleading representations '' in debt collection.

Time-Barred Debt ( Tex. Fin. Code 392.307 ) : If this debt is older than four years, LVNV is prohibited from suing or threatening to sue to collect it in Texas.

Bond Requirement Violation ( Tex. Fin. Code 392.101 ) : Third-party debt collectors must have a {$10000.00} surety bond on file with the Texas Secretary of State to legally collect in this state. I am challenging their legal standing to collect if they have failed to maintain this bond. 
Desired Resolution : I request that LVNV Funding LLC immediately cease all collection activity and remove this account from my credit reports. Furthermore, a violation of the TDCA is also actionable as a Deceptive Trade Practice ( DTPA ) under Texas Business & Commerce Code 17.41, for which I reserve the right to seek damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX  XXXX, CA XXXX Re : Dispute of Account No Knowledge of This Account To Whom It May Concern, I am writing to formally dispute the account you are reporting under my name. I have no knowledge of this account and do not recognize it as belonging to me.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide full verification of this alleged debt, including but not limited to : the original creditors name, the original signed agreement, complete payment history, and proof that I am legally responsible for this account.

If you are unable to provide proper documentation verifying that this account belongs to me, I am requesting that it be removed immediately from all credit reporting agencies where it has been reported.

Please note that this letter is not an acknowledgment of responsibility for this debt, nor is it a promise to pay. It is a request for validation and correction of inaccurate credit reporting.

I expect your written response within 30 days as required by law. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
To whom it May Concern, I am in receipt of your letter claiming that I owe your company for a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested.

I have to date received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If you are unable to provide me with the proper proof then you must stop attempting to collect this alleged debt and remove it immediately from my consumer report.

If you continue to claim I owe a alleged debt that you can not confirm with proof ( original alleged contract bearing my signature ) then you will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

You have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my consumer report ( s ) in error and that this matter is permanently closed. Provide the proof, or remove this alleged debt from all sources to which you have reported it.

Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a print out or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ).

Lastly, please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

If I don't get proper documentation I will be filing my complaint at : www.consumerfinance.gov/Complaint/ and XXXX And XXXX XXXX XXXX Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Yes an account was opened by a company named lvNV LLC and I did not open this account it says I have a balance of XXXX dollars the only reason I knew it was opened is because when I checked my credit score it went down XXXX points I did not open this account i only have 2 credit cards and they are both with XXXX XXXX XXXX I want this account closed please thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
Reported numerous times that I'm a victim of identity theft. Submitted multiple police reports and the accounts still remain

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
Consumer Complaint to the CFPB Company : XXXX XXXX XXXX XXXX XXXX 
Original Creditor : Anytime Fitness Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Complaint Summary I am filing this complaint because XXXX XXXX XXXXXXXX failed to respond to a certified written dispute and continues to report or attempt to collect an incorrect and inconsistent debt amount. I am requesting removal of this account from my credit reports due to lack of verification and failure to comply with federal law. 

Detailed Statement On XX/XX/year>, I sent XXXX XXXX XXXX XXXX a formal written dispute via certified mail ( return receipt requested ) regarding an alleged debt related to Anytime Fitness. 

The collection agency claims that I owe {$2400.00}, however the ledger they themselves provided shows a balance of only {$1100.00}. This is a material discrepancy. I disputed the amount in writing and demanded a reconciliation explaining how the balance allegedly increased. 

Despite receiving my certified dispute letter, XXXX XXXX XXXX XXXX never responded. They did not provide additional documentation, did not reconcile the balance discrepancy, and did not explain or justify the higher amount they are demanding. 

Violations and Concerns I believe XXXX XXXX XXXX XXXX violated multiple federal consumer protection laws, including : FDCPA 1692g ( b ) failure to cease collection and provide proper validation after a timely written dispute FDCPA 1692e misrepresentation of the amount of the debt FDCPA 1692f unfair or unconscionable collection practices Regulation F ( 12 C.F.R. Part 1006 ) false or misleading representations and failure to provide clear, accurate validation Demanding {$2400.00} while maintaining internal records showing {$1100.00} is misleading and unsupported. Failing to respond to a certified dispute further demonstrates a lack of reasonable investigation.

If this account is being reported to the credit bureaus, such reporting is inaccurate, unverified, and incomplete, and therefore violates the Fair Credit Reporting Act ( FCRA ) as well.

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 2025-12-18 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:
I am filing this complaint regarding inaccurate and unverifiable information being reported on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed multiple accounts directly with the credit reporting agencies. Despite my disputes, the accounts were either verified without proper documentation or remain reported inaccurately. 

The disputed accounts include XXXX  XXXX, XXXX XXXX XXXX XXXX Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 

No documentation has been provided showing a signed agreement, full payment history, or lawful authority to report these accounts. Additionally, inaccurate personal identifying information, including incorrect addresses, remains on my credit file, undermining the validity of any verification. 
I am requesting deletion or correction of the inaccurate information and written confirmation of compliance with FCRA 611 and 623.

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 2025-12-18 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint regarding both a customer service issue and ongoing billing concerns on my Capital One credit card account.

First, I was charged a {$25.00} late fee and contacted Capital One customer service to request a one-time courtesy waiver. I have not previously requested a late fee reversal and my account has generally been in good standing. I made an error in paying my card from the wrong account. I took accountability for this error and paid immediately when I realized. The representative told me that I had no options and refused to submit my request for review or escalate the matter. I was informed that no appeal or review process existed, which I believe is inaccurate.

In addition, I have noticed that this account has been charging residual ( trailing ) interest in multiple billing cycles even when my statement balance has been paid in full by the payment due date. I understand how residual interest can occur in some circumstances, but I am concerned that interest continues to be assessed despite timely full payments, and that this was not clearly disclosed or explained.

While I understand that fee waivers are discretionary, I believe I should have been given accurate information and access to an internal review or escalation process. Being told that I had no options prevented any meaningful resolution.

Separately, I am concerned about the accuracy and transparency of the interest charges on this account. I am requesting clarification and review of the residual interest being applied despite full payments made by the due date, as well as confirmation that the interest calculations are correct and compliant with disclosure requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MT

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, XXXX * * * * In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief