vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting late payments that have never been verified with any form of actual documentation. Despite multiple disputes submitted over several months, the furnishers and all three credit bureaus continue to report these alleged delinquencies without providing bank statements, billing history, or transactional proof. 
Under FCRA 607 ( b ), furnishers and credit bureaus are required to ensure the maximum possible accuracy of all reported information. Reporting alleged late payments without documented proof constitutes hearsay data, which violates FCRA 623 ( a ) ( 1 ) ( A ) furnishers must not report any information they know or have reasonable cause to believe is inaccurate. 
Furthermore, FCRA 611 ( a ) ( 1 ) ( A ) mandates a reasonable reinvestigation once a dispute is filed, and FCRA 623 ( a ) ( 2 ) requires immediate correction or deletion of information that can not be verified. XXXX XXXX has failed to comply with both obligations. 
According to XXXX XXXX Compliance Manual XXXX, XXXX, and XXXX, furnishers are prohibited from reporting derogatory or delinquency codes unless supported by actual account records. Simply echoing system data or payment history screens without producing the actual billing statements or payment ledger is considered hearsay and does not satisfy federal validation standards. 
This is not an identity theft issue, and I have never claimed identity theft. These disputes are direct factual disputes under FCRA and XXXX XXXX, and the continued reporting of unverifiable derogatory marks represents willful noncompliance under FCRA 616617, exposing XXXX XXXX and the credit bureaus to civil liability.

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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding, also reporting as LVNV Funding LLC, is furnishing two separate collection accounts to the credit bureaus without providing any written verification of the alleged debts. I was never notified in writing before these collections appeared on my credit report, and to date, I have not received any validation letter, billing statement, or proof of ownership of the debts as required under the Fair Debt Collection Practices Act ( FDCPA 809 ( a ) ). 
# XXXX Collection {$2300.00} # XXXX Collection {$1200.00} I have repeatedly disputed both accounts with all three credit bureaus for more than 60 days, yet LVNV continues to report inaccurate and unverifiable information. Each tradeline still falsely shows Account Not in Dispute, even though LVNV and the credit bureaus have been properly notified.

This violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 607 ( b ) failure to ensure maximum possible accuracy.

623 ( a ) ( 1 ) ( A ) furnishing information known or believed to be inaccurate.

623 ( a ) ( 3 ) failing to report the account as disputed.

611 ( a ) ( 1 ) ( A ) failing to conduct a reasonable reinvestigation.

611 ( a ) ( 5 ) ( A ) failure to delete unverifiable information.

Per the XXXX XXXX Compliance Manual ( XXXX, XXXX, XXXX ), furnishers must maintain documented, factual evidence supporting any derogatory reporting and use proper compliance codes ( e.g., XXXX Consumer Disputes Investigation in Process ). LVNV Funding has not complied with these requirements.

In addition, LVNV representatives have used illegal and intimidating language over the phone, threatening to sue or send the account to legal if payment was not made. These are false threats in violation of FDCPA 807 ( 4 ) and 807 ( 5 ), as no lawsuit has been filed. 
This is a XXXX XXXX factual dispute and FCRA/FDCPA compliance complaint. The continued reporting of unverifiable, duplicate tradelines constitutes hearsay reporting and willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX  digits ) : XXXX Date : XX/XX/XXXX Subject : Formal Dispute Under 15 U.S.C. 1681 Unauthorized Access and Use of My Consumer Report I am writing to formally dispute the inclusion and/or furnishing of my personal information and credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

According to 15 U.S.C. 1681b, no consumer reporting agency may furnish a consumer report to any person or entity without a permissible purpose and, in many cases, without my written consent.

I have never given written authorization or consent for any entity, person, or creditor to access, furnish, or obtain my personal credit information. Therefore, any such activity is unauthorized and in violation of my rights under federal law.

Under 15 U.S.C. 1681i, I am requesting that you : Conduct a full investigation into any and all parties who have accessed or furnished my consumer report.

Provide a detailed list of entities that have obtained or furnished information about me, including the permissible purpose used for each inquiry.

Delete any and all unauthorized accounts, inquiries, or information from my credit file that were furnished without my explicit written consent.

Provide me with written confirmation once this investigation is complete, including the results and any changes made.

This letter serves as a formal notice of dispute and a demand for verification as outlined in 15 U.S.C. 1681i ( a ). You are required by law to respond within XXXX  days of receiving this letter.

If you fail to correct or remove any unauthorized information or inquiries, I will consider pursuing further remedies available to me under the FCRA, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate authorities.

Thank you for your prompt attention to this matter. Please send your response to the address listed above. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX digits ) : XXXX Date : XX/XX/XXXX Subject : Formal Dispute Under 15 U.S.C. 1681 Unauthorized Access and Use of My Consumer Report I am writing to formally dispute the inclusion and/or furnishing of my personal information and credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. According to 15 U.S.C. 1681b, no consumer reporting agency may furnish a consumer report to any person or entity without a permissible purpose and, in many cases, without my written consent. I have never given written authorization or consent for any entity, person, or creditor to access, furnish, or obtain my personal credit information. Therefore, any such activity is unauthorized and in violation of my rights under federal law. Under 15 U.S.C. 1681i, I am requesting that you : Conduct a full investigation into any and all parties who have accessed or furnished my consumer report. Provide a detailed list of entities that have obtained or furnished information about me, including the permissible purpose used for each inquiry. Delete any and all unauthorized accounts, inquiries, or information from my credit file that were furnished without my explicit written consent. Provide me with written confirmation once this investigation is complete, including the results and any changes made. This letter serves as a formal notice of dispute and a demand for verification as outlined in 15 U.S.C. 1681i ( a ). You are required by law to respond within 30 days of receiving this letter. If you fail to correct or remove any unauthorized information or inquiries, I will consider pursuing further remedies available to me under the FCRA, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate authorities. Thank you for your prompt attention to this matter. Please send your response to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: SLM CORPORATION
State: CA

Complaint narrative:
I am a co-signer on a private student loan for XXXX XXXX ( loan number ending in XXXX, amount ~ {$31000.00}, applied XX/XX/year>XXXX  ). I requested to be released as a co-signer starting XX/XX/year>. Sallie Mae provided clear instructions and a release form, but the borrower has refused to follow them, claiming she alone is responsible. Her father, who initially assured me he would assist with repayment, now denies responsibility, leaving me fully liable. 

Despite my repeated efforts to submit the release form and communicate with the borrower, she has not cooperated. I am concerned that her statements about being solely responsible may be misleading or inaccurate. I request that Sallie Mae take immediate action to remove me as a co-signer or provide guidance on how I can be released from this obligation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
This is letter for DELETON AS PER LAW I submitted detailed written disputes to the credit bureaus regarding multiple inaccurate accounts and specifically instructed that no automated e-OSCAR system could be used. I required full reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ), including the name, phone number, and documentation from the furnisher verifying each account. The bureaus failed to provide any proof, contact information, or reinvestigation results within 30 days as required by law.

The CFPB previously notified the bureaus of these complaints, yet they still have not responded or deleted the unverifiable information. Under FCRA 611 ( a ) ( 5 ) ( A ), any data that can not be verified must be deleted. Their failure to do so is willful non-compliance. 

Because of these reporting failures, I was denied a mortgage for {$420000.00} and have suffered measurable financial harm. I am requesting CFPB enforcement to compel immediate deletion of all unverifiable accounts and a printed copy of my corrected credit report mailed to my address within five business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: IL

Complaint narrative:
attempted to call and saying I have to pay different amounts on serveral different times spoken with different agents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I recently received an alert from my XXXX  credit report indicating that Bridgecrest had reported my payment due on XX/XX/year>, as being 30 days late. I want to clarify that this information is incorrect. I made my payment on time, and in addition, I have arranged a plan for my future payments to ensure everything remains up to date. This discrepancy is concerning, and I believe it needs to be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I need a debt validation letter so I can continue the purchase of a vehicle. I called on, XXXX, XXXX, XXXX to try to get the process started. I called them a total of 5 times ( in a row ) because they kept hanging up on me before I even got to explain what was going on. Finally somebody stayed on the line to hear me out. I have a debt in collection from XXXX but for some reason it is showing that it's from XXXX. I asked them if I can get the original debt validation letter from XXXX but they told me they can't go back any further then this year. Yada, yada, they said they would mail out a validation letter to my home but I still have yet to receive it, it's now XX/XX/XXXX XXXXThey even took down my address to send it out. Also they said they sent several to my email but I don't have a single email from them. This is going to cause my lender to back out of my auto loan if they don't hurry up.

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 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
XXXX of XXXX  the XXXX I ordered something off of a website this website now doesn't respond to my emails or anything the last time they talked to me they said that my package got lost in transit and this happened all the way back in XXXX now it's XXXX and in XXXX like a beginning of it cuz I wanted to give it some time I try to get my money back through cash app cuz I asked them like hey they're not giving me my package I just really would like to have my money back because now I know I'm not getting my package they said that they couldn't do the request because the merchants was going to give me my things and now they're not I really would like some help getting my money back I don't know what to do I lost {$60.00} because of this and cash app isn't doing anything to try and get it back they just say no every time please help me I can send you screenshots and everything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AR

Complaint narrative:
I filed a dispute with chime dispute department because my credit card account was maliciously and fraudulently charged XXXX by XXXX Chime did absolutely nothing about it. I've tried over and over to get my money back from XXXX and still no results. XXXX denies that they received the XXXX but clearly you can see on the evidence I provided that XXXX did in fact receive those funds. Chime is supposed to protect my account and they failed to do so. If chime would have read my conversation I submitted with XXXX I would not have had to file this complaint. I know chime dispute department see the charge of XXXX on XX/XX/year>. If chime is going to let XXXX get away with saying they didn't receive the XXXX well then where's my money at chime stole the money if they not acknowledging that the funds were taken by XXXX on XX/XX/year> Chime never issued a temporary credit or anything I guess that's what I get for opening an account with a technology company instead of dealing with a reputable bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Uploaded letter gives details of the situation.. chased denied my claim for a reimbursement and aproved the smaller claim where both transactions were done in the same time frame. And I can prove I was not in present in XXXX .. I was in XXXX  with cards an id in my possession wen transactions took place

Company response to consumer: Closed with explanation