vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: SC

Complaint narrative:
To : [ Collection Agency / Debt Buyer Name ] [ Address ] [ City, State, ZIP Code ] Re : Request for Debt Validation Account Number : [ Account Number as listed on your credit report ] Dear Sir or Madam, This letter is sent in response to your reporting and/or communication regarding the above-referenced account. This is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

I dispute this debt in its entirety and request that you provide proper validation, including but not limited to the following : The name and address of the original creditor ; The date the debt was incurred and the date of default ; A complete itemization of the amount claimed, including principal, interest, fees, and any other charges ; A copy of the original contract, agreement, or application bearing my signature ; Proof that you are legally authorized to collect this debt, including a copy of the assignment or bill of sale ; Documentation showing that the statute of limitations has not expired ; Proof that you have the authority to report this account to consumer reporting agencies.

During the validation process, you are required to cease all collection activities, including reporting or verifying this account with any consumer reporting agency, until such validation is provided.

If you are unable to provide the requested validation, you must cease collection efforts and request deletion of this account from all consumer reporting agencies to which it has been reported.

Please note that this request is not a refusal to pay, but a request for verification as permitted by law. Any failure to comply may constitute violations of the FDCPA and FCRA and may result in formal complaints or legal action.

I expect your response within 30 days of receipt of this letter.

Sincerely, [ Your Full Name ] [ Signature, if mailing ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-15 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: FL

Complaint narrative:
Date:XXXX TO : LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL, XXXX Re : Acct # XXXX ToWhomItMayConcern : XXXX. 
Beadvised, thisisnotarefusaltopay, butanoticesentpursuanttotheFair DebtCollection PracticesAct,15USC1692gSec.809 ( b ) thatyourclaimisdisputedandvalidationisrequested.

ThisisNOTarequestforverificationorproofofmymailingaddress, butarequestfor VALIDATIONmadepursuanttotheabovenamedTitle andSection.Irespectfullyrequestthat yourofficeprovidemewithcompetentevidencethatIhaveanylegalobligationtopayyou.

Pleaseprovidemewiththefollowing : WhatthemoneyyousayIoweisfor ; ExplainandshowmehowyoucalculatedwhatyousayIowe ; ProvidemewithcopiesofanypapersthatshowIagreedtopaywhatyousayIowe ; Provideaverificationorcopyofanyjudgmentifapplicable ; Identifytheoriginalcreditor ; ProvetheStatuteofLimitationshasnotexpiredonthisaccount ; Showmethatyouarelicensedtocollectinmystate ; and ProvidemewithyourlicensenumbersandRegisteredAgent.

Ifyourofficeshavereportedinvalid informationtoanyofthethreemajorCreditBureaus ( XXXX, XXXX ), saidactionmightconstitutefraudunderbothFederaland StateLaws.Duetothisfact, ifanynegativemarkisfoundonanyofmycreditreportsbyyour companyorthecompanythatyourepresent, Iwillnothesitate inbringinglegalactionagainst youforthefollowing : ViolationoftheFairCreditReportingAct ViolationoftheFairDebtCollectionPracticesAct DefamationofCharacter Ifyourofficesareabletoprovidetheproperdocumentationasrequested, I willrequireatleast 30daystoinvestigatethisinformationandduringsuchtimeallcollectionactivitymustcease anddesist.

Alsoduringthisvalidationperiod, ifanyactionistakenwhichcouldbeconsidereddetrimental toanyofmycreditreports, Iwillconsultwithalegalcounsel.Thisincludesanyinformationtoa creditreportingrepositorythatcouldbeinaccurateorinvalidatedorverifyinganaccountas accuratewheninfactthereisnoprovidedproofthatitis.

Ifyourofficesfailtorespondtothisvalidationrequestwithin30daysfromthedateofyour receipt, allreferencestothisaccountmustbedeletedandcompletelyremovedfrommycredit fileandacopyofsuchdeletionrequestshallbesenttomeimmediately.

Iwouldalsoliketorequest, inwriting, thatnotelephonecontactbemadebyyourofficestomy home, mycellphone ortomyplaceofemployment.Ifyourofficesattempttelephone communicationwithme, includingbutnotlimitedtocomputergeneratedcallsor correspondencesenttoanythirdparties, itwillbeconsideredharassmentandIwillhaveno choicebuttofilesuit.Youalsomaynotcommunicatewithmebyemail.Allfuture communicationswithmeMUSTbedoneinwritingandsenttotheaddressnotedinthisletter.

Additionally, pleaserefrainfromcontactinganyofthefinancialinstitutionswhereIhave accountsorwithwhichIhaverelationships.Youhavenorighttoaccessanyofmypersonalor financialinformationthatisntpartofpublicrecords.

Thisisanattempttocorrectyourrecords, anyinformationobtainedshallbeusedforthat purpose. 
XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: PR

Complaint narrative:
On XX/XX/XXXX, I used Sendwave for the first time to send money to the XXXX XXXX. The money never arrived. Six or seven days later, I contacted the company to inquire about it. They told me it was delayed but that the funds would be available soon. Nothing happened. Three more days passed, and I contacted them again, asking them to cancel the transaction and refund my money, as the money had to reach the recipient and I would be using a different sending method. They said that was fine, but they didn't cancel the transaction, refund my money, or make it available to the recipient. Since then, I've contacted them daily, and they've basically told me they won't refund the money or make it available until a local partner tells them they can. The transaction amount was {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and potentially fraudulent information appearing on my Equifax credit report as a direct result of Equifaxs documented data breach. Due to a data breach, my personal information was compromised, and I now question the accuracy, legitimacy, and verifiability of the account listed below. 
Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ZuntaFi Corp
State: WI

Complaint narrative:
Student loan was taken out in XXXX for my daughter ( I am the co-signer ). $ XXXX from XXXX. Some payments were made on this loan in XXXX prior to her graduation due to her leaving her original university and moving on to a different university ( refunds at the time she left school in XX/XX/XXXX ). Loan was sold to ZuntiFi ( from XXXX ) as of XX/XX/XXXX with a balance transfer amount of {$9500.00} total ( XXXX principal and XXXX interest ). Monthly payments have been made since that time ( with a total amount paid toward the loan of {$3300.00} as of XX/XX/XXXX ). Of the {$3300.00} paid since XX/XX/XXXX, a total of {$0.00} ( that is XXXX dollars and cents ) has been applied toward the principal. In talking to XXXX XXXX at ZuntiFi, she indicated that this loan was sent to them from UAS structured where all interest must be paid PRIOR to ANY portion of the payment being applied toward principal. I requested information regarding where I was notified that the loan was being sent from XXXX  to ZuntaFi structured that way. I was sent the original letter emailed/sent to me and my daughter, but in no portion of that letter was the loan structure outlined. I can provide copies of all documents provided by ZuntiFi as well as loan payments and emails to XXXX XXXX ( as well as a log of phone calls ). I need help in determining the following : a ) is this loan structure legal? b ) I find no disclosure of the structure ( by XXXX or ZuntaFi ) ; have they acted in accordance with the legal requirements for how loan applicants must have communications provided? c ) how many others have had issues with ZuntaFi?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: MI

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Nelnet is incorrectly showing an accrued interest balance of {$4000.00} as of XX/XX/XXXX. A significant portion of this interest balance had already accrued prior to the date Nelnet stated interest resumed ( XX/XX/XXXX ). This interest should not exist because my loan history shows a continuous zero/subsidized interest period : I graduated during the COVID-19 0 % interest pause ( ending XX/XX/XXXX ) and was enrolled in the SAVE Plan ( 100 % subsidy ) on XX/XX/XXXX. Nelnet has failed to provide a ledger or explanation for when this interest legally accrued or why the SAVE subsidy was not applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, I financed an XXXX XXXX electric bike through Affirm for {$2400.00}. The bike was multiple weeks late and delivered on XX/XX/XXXX and upon installing the handle bars, front wheel, and pedals, the bike immediately displayed an XXXX Error indicating a XXXX XXXX issue. 

From XX/XX/XXXX to XX/XX/XXXX, I made XXXX documented repair attempts with the merchant, but the bike was never usable. I repeatedly requested a return and full refund from the merchant starting on XX/XX/XXXX but the merchant delayed and deflected responsibility. 

I submitted a dispute to Affirm on XX/XX/XXXX, providing clear documentation showing the bike was defective, unusable, and that the merchant failed to repair or replace it. Affirm denied my dispute on XX/XX/XXXX, XXXX. I submitted a second dispute on XX/XX/XXXX after another failed repair attempt which was denied again on XX/XX/XXXX. And finally, after having to replace every single critical component to the electric bike and it still not working, I filed a XXXX dispute on XX/XX/XXXX and was denied again on XX/XX/XXXX, with Affirm stating " the merchant is entitled to reasonable time to troubleshoot before a product is deemed defective. 

Despite repeated evidence, Affirm continues to bill me for a product I never accepted in working condition. This constitutes for goods not delievered as agreed and unfair/deceptive lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: SC

Complaint narrative:
I am submitting this complaint regarding multipleinaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensureaccuracy and proper verification.

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 2025-12-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this complaint regarding multipleinaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensureaccuracy and proper verification.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this letter as a formal dispute regarding inaccurate and unverifiable late payment information being reported on my TransUnion consumer credit file. After reviewing my credit reports, I have identified inconsistencies and unsupported late payment data that TransUnion is reporting in violation of the Fair Credit Reporting Act ( FCRA ). 
Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Account Name : XXXX / XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$37.00} The alleged late payments associated with the accounts listed above are inaccurate, inconsistent across bureaus, and can not be verified with competent evidence. In several instances, these accounts are reported as current, open, and with no past-due balances, yet TransUnion continues to reflect late payment history that is not supported by factual documentation.

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 2025-12-15 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: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Self Financial Inc.
State: IL

Complaint narrative:
I am disputing inaccurate information being reported on my credit report. A collection account is reporting incorrect account status an or/ balance. The information has not properly verified. I am requesting a full investigation and correction or removal of this inaccurate information under the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I was charged interest on my Synchrony Bank furniture store credit card after I unintentionally underpaid a promotional balance. The underpayment was an honest mistake. As soon as I became aware of it, I promptly paid the remaining balance in full. 

I contacted Synchrony Bank multiple times to request a one-time courtesy adjustment of the interest, given my otherwise good standing and the prompt correction. During these interactions, I was given inconsistent information, transferred repeatedly, and the issue was not clearly reviewed or explained. I also experienced unprofessional handling of my concerns, which left the matter unresolved. 

I am disputing the interest charges and requesting a one-time courtesy credit as a goodwill adjustment due to the unintentional underpayment, my payment history, and my prompt resolution of the balance. I am seeking a written, formal review of this matter and a fair resolution.

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 2025-12-15 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:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I may have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information is still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

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