vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I am submitting this description regarding my stolen XXXX XXXX debit card and the subsequent unauthorized withdrawals from my account. Despite my timely reporting of the theft, the filing of a police report, and my compliance with all required procedures, my claim for reimbursement has been unjustly denied. 

On [ insert date ], my XXXX XXXX debit card was stolen without my knowledge or consent. Shortly thereafter, unauthorized withdrawals were made from my account. These transactions were not made by me, nor did I authorize any third party to access my funds. Immediately upon discovery, I reported the theft to XXXX XXXX and filed a police report, providing the report number and documentation as evidence. 

Under XXXX XXXX ( a ), a bank may only charge a customers account for items that are properly payable. Transactions that are unauthorized or forged are not properly payable and therefore can not be lawfully charged against my account. The withdrawals in question were unauthorized, and as such, they fall squarely within this rule. 

Furthermore, XXXX XXXX requires customers to exercise reasonable promptness in examining their statements and reporting unauthorized signatures or alterations. I satisfied this duty by immediately reporting the theft and submitting a police report. Once I fulfilled this obligation, the burden shifted to Money Network to investigate and resolve the issue in good faith. 

Case law supports my position. In XXXX XXXX Bank, XXXX. v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), the court reaffirmed that banks may not charge a customers account for unauthorized transactions. Similarly, in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX App. XXXX ), the court held that financial institutions bear liability for losses resulting from unauthorized withdrawals when customers timely report the fraud. 

Denying my claim despite my prompt notice and supporting evidence directly violates both the XXXX provisions and established case precedent. XXXX XXXX refusal to honor my claim amounts to a wrongful debit of my account and a breach of their obligations under the law. 

I hereby dispute the denial of my claim and demand that the unauthorized charges be reversed in accordance with XXXX XXXX, UCC XXXX XXXX and the above-cited case law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NV

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Discharged US BKPT CT XXXX XXXX XXXX XXXX XXXX Bankruptcy Discharged XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Discharged XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
CFPB Complaint Narrative - LVNV Funding Lawsuit On XX/XX/year>, I was served by a process server in XXXX XXXX XXXX, Texas for Case No. XXXX, filed by LVNV Funding , LLC . This lawsuit is being pursued despite LVNV failing to provide validation of the debt, proof of ownership, or a complete payment history as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

LVNV Funding is attempting to collect on an alleged debt without establishing proper chain of title or producing the original signed agreements. This creates serious concerns of re-aged debt and potential statute of limitations issues. Despite my disputes and requests for verification, LVNV has not provided sufficient documentation. Instead, they have chosen to escalate by filing a lawsuit.

This conduct is unfair, deceptive, and abusive. I request the CFPB investigate LVNV Fundings practices, require them to provide full documentation before pursuing litigation, and hold them accountable for violations of federal law. I further request that the lawsuit be dismissed unless LVNV can prove standing, and that any unverified negative credit reporting associated with this account be removed. 

As a XXXX XXXX  veteran experiencing significant health and financial hardships, this matter has placed undue stress on myself and my family. I respectfully ask the CFPB for an expedited review of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation.

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am submitting this complaint regarding Portfolio Recovery Associates failure to provide proper verification of a disputed debt and inaccurate reporting on my credit report. 

Portfolio Recovery sent three letters from the original creditors. Only two included what appear to be the last statements, and none of the amounts match the balances reported on my credit report. They did not provide : The original account contract or signed agreement A full payment history or ledger showing charges, payments, interest, or fees Documentation of legal ownership or assignment of the debt Without this documentation, there is no proper verification of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, 1692e, 1692f. The statements they sent do not substantiate the amount claimed, and the discrepancies remain unexplained. 

I request that the CFPB note this dispute as unresolved due to incomplete and inaccurate verification, and take appropriate action to ensure Portfolio Recovery provides full documentation before reporting or attempting to collect this debt. 

Attachments : Copies of all letters from Portfolio Recovery, relevant credit report entries, and prior dispute documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Global Lending Services LLC
State: FL

Complaint narrative:
Ok I am having problems with XXXX  reporting incorrect personal, credit cards & negative information on my credit report thats incorrect .. I have called them in the past and every time we talk nothing gets resolved. When I go on XXXX  website I try to dispute it and sometimes the website wont let me dispute certain accountssome accounts are old and needs to come off my account.. I am a young widow trying to clean up my credit, I lost my husband on XX/XX/year> and I am left out here by myself doing the best that I can. My credit score goes up and down. I am trying to clean my credit up by paying my debt off when I can afford it. But seems like they keep knocking me down. Can yall please help me get my issues resolved. Global lending auto services have put down a balance on my credit that I do not owe. The car got in an accident I had insurance and gap insurance and they resold the car and expects for me to pay the full balance. Thats not fair. I need help its so much I can dispute. Also XXXX XXXX XXXX  did some fraudulent on my account that I did not authorize they added another phone on my account that they had me paying for. And I realized it and I closed the account I will look forward of hearing back from you Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$1100.00}, XXXX XXXX Balance {$2500.00}, XXXX Balance {$900.00}, XXXX  Balance {$3000.00}, XXXX XXXX XXXX Balance {$500.00}, XXXX Balance {$120.00}, XXXX XXXX Balance {$20000.00}, XXXX XXXX Balance {$18000.00}, XXXX  XXXX Balance {$15000.00}, XXXX Balance {$1100.00}, XXXX XXXX XXXX XXXX Balance {$2300.00}

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 2025-08-20 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: MA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX. XXXX XXXX {$200.00} Date Opened : XX/XX/XXXX Account : XXXX XXXX. XXXX XXXX {$110.00} Date Opened:XXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX {$220.00} Date Opened : XXXX XXXX XXXX Account : XXXX XXXX. XXXX {$640.00} Date Opened : XX/XX/XXXX Account : XXXX XXXX. XXXX {$49.00} Date opened : XX/XX/XXXX Account : XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me.I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: NY

Complaint narrative:
I am submitting this complaint because TransUnion continues to report a 30-day late payment in XX/XX/XXXX & XXXX XXXX for my XXXXXXXX XXXX XXXXXXXX XXXX XXXX and 30-day late payment in XX/XX/XXXX for my XXXX XXXX XXXXXXXX, despite my request for verification. I formally disputed this entry and requested proof per the FCRA, but no supporting documentation was provided. TransUnion failed to provide evidence of the alleged delinquency or proper validation from the original creditor. 
This lack of verification violates FCRA Section 611 and constitutes willful non-compliance. 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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint Against Truist Bank Mishandled Account Closure and False Fraud Label On XX/XX/year>2025, I was contacted by a Truist Branch Leader, XXXX XXXX, regarding opening accounts for my personal and business. After a positive conversation, I trusted Truist and opened a business checking and savings account for my company XXXX XXXX on XX/XX/year>, funding each with {$50.00}. I later planned to open a personal account and move my direct deposits. 

On XX/XX/year>2025, I attempted to activate my debit card but discovered the account had been closed without any notice, explanation, or refund. I was shocked to learn Truist had labeled the account as fraud detected in its internal notes. This false accusation has harmed my reputation and credibility as a nonprofit and small business owner.

Despite being told a refund check was mailed, I never received it. On XX/XX/scrub>, 2025, I followed up and was told I must visit a branch in person to correct my mailing address even though Truist created the error. In addition, when I called XXXX XXXX ( the same person who originally solicited my business ), he claimed he did not remember me or our prior conversation.

Truists behavior is deeply concerning and has completely broken my trust with Truist. Had I already switched my personal accounts and direct deposits over to Truist as planned, this wrongful closure and false fraud accusation would have created a chain reaction of financial damage disrupting my nonprofits operations, my business responsibilities, and my personal obligations. This type of mishandling is unacceptable and raises serious concerns about how Truist treats customers, especially small businesses and nonprofits that rely on stable banking relationships.

Issues with Truists handling : Account was closed without notice or explanation.

Fraudulent notation falsely attached to my name/business.

No refund provided of my {$100.00} deposit.

Poor customer service and refusal to escalate to management.

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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Capital Alliance Financial, LLC
State: GA

Complaint narrative:
To whom this may concern, I am contacting all three credit bureau on the behalf of myself because I have identified some fraudulent accounts that are reporting on my credit report. I need these fraudulent accounts moved ASAP because these accounts are jeopardizing my living. I am unable to use my credit because of these falsifying reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
This is my Venmo account. I have {$250.00} that is in my Venmo balance and they closed my account for unknown reasons and is holding my money for 180 days. They will not release it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
Im submitting a follow up on my previous request to remove fraudulent items from my credit file. These accounts are not connected to any transactions I made or authorized, and I believe they resulted from identity theft. Some of these items have already been removed by other credit bureaus, which raises further concerns about their accuracy. The payment history reported is unclear and unfamiliar to me. Under FCRA 605B ( c ) ( 1 ) ( C ), I understand you may only keep such information if it's proven to be accurate. So far, I havent received any valid proof. Please review and remove the disputed items from my file as soon as possible.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Hamiltonian Inc.
State: AL

Complaint narrative:
On XXXX XXXX XXXX i requested a loan of {$20.00} from this company. It was approved and i was told i would receive this money on XXXX  XXXX. I did not. I then emailed them which is the only listed way to make contact. Each email i sent was instantly replied to with an automatically generated email which did not relate in anyway at all to the issue i had emailed about. 

When i then checked my account with vansi it states that the balance of {$20.00} is owed on XXXX. 

I have tried all ways possible to contact them regarding this and they do not reply. I believe i have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: AZ

Complaint narrative:
I hope this follow up complaint finds you well. I am writing to dispute an entry on my credit report that involves the account XXXX XXXX, which was opened on XX/XX/XXXX and has a reported balance owed of {$7200.00}. This account has been marked as " Late Closed, '' and I believe this to be an error, as I have never received any notification or indication that this account was closed due to late payments. I have maintained my accounts responsibly and would appreciate your prompt attention to correcting this issue.

This discrepancy on my credit report is deeply concerning, especially as it affects my credit score, which is crucial for securing future financial opportunities. I have no record of any correspondence or payment reminders related to this late closure, nor can I confirm any reason why this account would have been reported as " Late Closed. '' I kindly request that you investigate this matter and update my account accordingly. As per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to an accurate and complete credit report, and this account does not reflect my true credit behaviourXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
Received Escrow Account Disclosure Statement indicating shortage amount of {$860.00}. Sent payment of {$860.00} on XX/XX/XXXX, cleared bank on XX/XX/XXXX. Sent regular Mortgage payment of {$3700.00} for XX/XX/XXXX. Adjusted the amount because escrow shortage was paid in full. Please note the statement amount of {$3800.00} is not same amount we are currently paying. We did not receive adjusted statements indicating our XXXX payment was being held in suspense until XX/XX/XXXX ( see attached letter ). I called Freedom Mortgage twice after learning about the negative reporting to see if they would remove the negative report or issue a letter of explanation. Both times I was told they can not make any corrections. However, they did not explain to me why my payment of {$3700.00} for XXXX was applied on XX/XX/XXXX. I was also charged late fees when technically I was not late. The monies were there in their account. Also stated on the statements are verbiage and dates explaining when late charges will apply if payment is not received. 

I am very upset because I have never been late with my mortgage payments. I am trying to obtain a HELOC for home renovations and this negative reporting damaged my credit. 

Please help!!!

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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