vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Beginning in 2025, LVNV Funding LLC, through Resurgent Capital Services, began reporting multiple collection accounts on my consumer reports. The balances vary, but none of the accounts have been properly validated.

On two separate occasions, I sent certified debt validation requests under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ). In those letters, I requested : A signed contract bearing my signature, A complete chain of title showing ownership of the alleged debt, and An itemized accounting of the balance.

Instead of providing validation, LVNV/Resurgent repeatedly sent only recycled billing statements and generic portfolio documents. These do not satisfy the FDCPAs requirement to cease collection until proper validation is provided.

Despite this, LVNV/Resurgent continues to furnish these unverifiable accounts to XXXX XXXX XXXX XXXX, which constitutes violations of the Fair
Credit Reporting Act ( FCRA, 15 U.S.C. 1681e ( b ), 1681s-2 ) because the information being reported is not accurate or verifiable. 

As of XX/XX/year>, LVNV/Resurgent continues to report and attempt to collect without meeting the requirements of federal law. This has caused significant harm to my credit and financial standing.

I am requesting immediate investigation and enforcement to require
LVNV/Resurgent to : Cease all collection activity on the disputed accounts, and Delete all unverifiable accounts from all consumer reporting agencies.

The CFPB system would not allow me to attach all of the documents that LVNV Funding LLC c/o Resurgent has repeatedly sent me. Attached are examples of the so-called " debt validation '' they continue to send. These documents are recycled billing statements and summaries that do not satisfy the requirements for proper validation under the FDCPA and FCRA. Please be advised that I have
additional copies of all correspondence and certified mail receipts available upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: SC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any
amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of
the law.

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX  making late payments'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year> and XXXX XXXX has failed to do a complete investigation and provide me with information the reason for the update on my credit report after requesting several times. These allege accounts are been inaccurate or incorrect theyre updating information attached to a closed charge off account.I have also ask for 1099C forms filed for the XXXX XXXX accounts from XXXX XXXX XXXX XXXX neither party. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Specifically : I request verification of the account balance and whether a Form 1099-C ( Cancellation of Debt ) has been issued. If the debt was cancelled or forgiven, the account should be updated to reflect a XXXX balance. 
.If you can not verify this information with the furnisher of data, the item must be deleted from my credit report.. The account status is incorrect. The account balances, and account open and closing dates are all incorrect after comparing it with other bureaus. Please update accounts to positive history or delete the accounts immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WFBNA 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 2025-09-28 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. This account was paid in full to the creditor. 

And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2, they are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: VA

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding inaccurate information being reported on my credit file. I previously disputed this item with [ credit bureau ( s ) ] and requested verification, including the original signed contract and a full accounting of the alleged amount : Account Name : XXXX XXXX  Account # : XXXX To date, I have not received proper verification, yet the account continues to be reported. This violates FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation and delete any information that can not be verified within 30 days. 

I am requesting the CFPB to investigate and compel [ credit bureau ( s ) Experian, Equifax & Transunion ) to remove the unverifiable item ( s ) from my credit report and ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
DISPUTING INACCURATE ACCOUNTS INCLUDING BANKRUPTCY BELOW, LOOK AT ATTACHMENT.

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 2025-09-28 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. This account was paid in full to the creditor. 

And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2, they are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: IL

Complaint narrative:
Hi. Ive used Discover credit card and have called them occasionally to discuss my financial situation. I havent used my credit card in over a year and due to unforeseen circumstances and having to move to a new job within the last two years, I am earning significantly less money. My minimum payments are over {$600.00} and I explained to the customer service that I will try to pay what I can but the minimum payment exceeds my budget and is hurting my credit score. each time I contact them I get told that Im ineligible for the financial hardship program and to just keep calling them every month but it is getting frustrating when they just tell me that I owe them money and if they dont receive it by a certain date Ill be hit with yet another late fee. Im running out of options on what to do next.. I want to get debt paid off and be in good standing but the last resolution they offered me was to go to a third party credit counseling agency that would ultimately revoke my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Central Research Inc
State: CA

Complaint narrative:
I am filing a follow-up complaint because Central Research , Inc. ( CRI ) replaced XXXX on my credit report and is reporting disputed information without proper validation. 

On XX/XX/year>, I mailed CRI a certified debt validation letter requesting the original signed promissory note, full payment history, and proof of legal assignment from XXXX to XXXX. 

On XX/XX/year>, CRI responded with only a loan summary and transfer noticenot the required documentation under FDCPA 809 ( b ).

Despite my ongoing dispute, CRI continues to report this account to credit bureaus, violating FCRA 623 ( a ) ( 3 ).

I request deletion of this account from my credit reports or full validation with the requested documents. I continue to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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 am filing this complaint against Equifax for failing to conduct a proper investigation, illegally labeling my dispute as " frivolous, '' and ignoring direct evidence from the original creditor. 

The inaccurate information on my report concerns an account that I disputed. The original creditor, XXXX, provided me with a letter on their official letterhead confirming that the account is not my responsibility. I submitted this definitive proof to Equifax as part of my dispute. 

Instead of conducting a reasonable investigation as required by law, Equifax ignored this key evidence from XXXX. Furthermore, Equifax has now told me they will no longer investigate my dispute and have wrongly labeled it as " frivolous. '' This is a direct violation of the FCRA, which prohibits credit bureaus from labeling a dispute as frivolous when a consumer provides relevant evidence.

Equifax 's actions represent a severe failure of their legal obligations. They are refusing to correct known inaccuracies despite being provided with proof from the source. This has caused significant harm to my credit profile. I demand that the CFPB require Equifax to delete the inaccurate item immediately and correct their illegal practice of shutting down valid disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: CA

Complaint narrative:
I rented a car with XXXX XXXX XXXX on Tue XX/XX/year>. There were minor cosmetic damages that were found from unknown source. Third party insurance with XXXX. Filed claim in time. XXXX said they would cover all damages and no further action would be necessary. This should have been communicated between XXXX and XXXX, as I have sent all the necessary documents. Then I got sent an email from XXXX saying that it has not been paid for. They sent it to Viking Group. 

XXXX XXXX I XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX XXXX. 

Direct XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
An American Express account ( Account # : 1. Amex XXXX ] ) is being reported on my credit report. I am not responsible for this debt. 

Over a year ago, on or about [ Insert Date of First Contact ], I contacted American Express to dispute this account. I formally requested that they provide me with documentation proving I am legally obligated to pay this debt. Specifically, I requested a copy of the signed application agreement and the itemized statements. 

American Express has failed to provide any validating documentation. They have been unable to prove that I have any responsibility for this account. Despite their inability to verify the debt, they continue to report it to the three major credit bureaus ( XXXX XXXX XXXX XXXX ), which is severely harming my credit score and my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: IL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX * * * * - XXXX - XX/XX/XXXX - {$15000.00} Inquiries XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am filing this complaint against LexisNexis for failing to provide me with a complete copy of my consumer disclosure file, as is my right under the Fair Credit Reporting Act ( FCRA ). This is while they are simultaneously furnishing my public record information to other consumer reporting agencies ( CRAs ) like XXXX  and XXXX. 

I requested my full consumer file from LexisNexis through their official process. In response, I was unable to obtain a complete report. However, my credit reports from both XXXX  and XXXX  clearly indicate that the public record information they are reporting is being provided by LexisNexis.

It is impossible for LexisNexis to be furnishing data about me to other CRAs if they do not maintain a file on me. Their failure to provide me with the same information they are supplying to others prevents me from verifying the accuracy of this data and exercising my right to dispute it. This is a direct violation of my rights under the FCRA.

Company response to consumer: Closed with explanation