vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) regarding a charged-off American Express account XXXX is reporting inaccurately on my credit file. American Express continues to report a balance of {$8500.00}, even though the company has confirmed in writing that they are no longer managing the account and that it has been assigned to a XXXX collection agency, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX They also stated the account is in litigation. 

I previously disputed the account and sent a XXXX XXXX XXXX request under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), asking for documentation of how the account was verified. I did not receive proper verification or any original documentation from the data furnisher. 

American Express is refusing to communicate about the account, while continuing to furnish negative, inaccurate, and misleading information. This violates : FCRA XXXX ( b ) : Furnishing inaccurate or misleading data FCRA XXXX ( b ) : Failing to properly investigate or correct the account I am requesting that the tradeline be removed from my credit report or updated to reflect {$0.00} balance and XXXX litigation status. This ongoing misreporting is damaging my credit and causing financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX Washington, XXXX XXXX Re : Complaint Against LVNV Funding LLC for FDCPA and FCRA Violations Dear CFPB Representative, I am filing this formal complaint against LVNV Funding LLC ( XXXX XXXX  XXXX, XXXX, SC XXXX ) for failing to comply with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I sent LVNV Funding LLC a written request for debt validation regarding an alleged debt ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pursuant to my rights under 15 U.S.C. 1692g. The letter was sent via Certified Mail with Return Receipt and received by them according to USPS records.

As of today, more than 30 days have passed, and LVNV Funding has failed to : 1. Provide the required validation and documentation of the alleged debt.

2. Cease collection efforts and/or credit reporting of the alleged debt while under dispute.

3. Mark the account as disputed with the credit bureaus, as required by 15 U.S.C. 1681s-2 ( a ) ( 3 ) under the FCRA.

Their failure to respond to my lawful request is a direct violation of the FDCPA, and their continued reporting or collection activity without validation may also violate the FCRA.

I request that the CFPB investigate this matter and take appropriate enforcement action against LVNV Funding LLC for violating federal consumer protection laws. Additionally, I request that the CFPB assist in having this unvalidated debt removed from my credit reports and ensure that all collection activities cease immediately.

Attached Documents : Copy of my original debt validation letter Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
I am a victim ofXX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX 
XX/XX/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 2025-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Stellantis Financial Services US Corp.
State: OH

Complaint narrative:
I was on a partial payment agreement from XX/XX/XXXX- XX/XX/XXXX. I called in and spoke with an agent back in XXXX because I informed I was still experiencing a hardship and I was informed no that I had to starting in XX/XX/XXXX the full monthly payment. I paid on XX/XX/XXXX a full payment amount and was informed that this would cover the last partial of {$380.00} for XX/XX/XXXX then a remaining amount would cover for XX/XX/XXXX with still having an outstanding. A few days later I called and asked what amount do I need to pay excluding fees to be paid up and through XXXX so next payment would be due XXXX. I was given a figure of {$950.00} that was paid and thought all was good. I am not discovering that that was not the case and XXXX was a normal payment of {$600.00}, XXXX was supposed to be {$600.00} so my payment in XXXX of {$950.00} only applied XXXX and XXXX payment then {$320.00} went to late fees. Which was not the direction I was given. A few weeks later I kept receiving calls about being past due so I followed up and asked what to pay to get current for that month and was told to pay XXXX to satisfy XX/XX/XXXX .. that did not happen and have been consistently 2 months past due even after they have told me by several different reps an amount to pay to be current for that month. Everytime I speak to someone I am told a different payment application or months that it applied for and no one can explain why an amount went to fees on the XX/XX/XXXX payment and why I was misinformed amounts to get me paid for the current month everytime I call. I just received access to the full payment history 2 days ago after Ive been asking for months a way to see the payments and how they applied because something wasnt right. I will take full ownership on being past due money is tight and things happen but Im calling for help and being told amounts expecting to be taken care of and if Im misinformed I am the one being penalized. Ive spoken to 5 people today hung up On 3 times and finally the last person showed any type of compassion but he still didnt have a solution

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 2025-07-10 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: LEXISNEXIS
State: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-10 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: PA

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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
I am submitting this complaint because LVNV Funding is reporting a debt to the credit bureaus that they have failed to properly validate despite multiple requests. The alleged debt was originally with XXXX XXXX XXXX XXXXXXXX XXXX  and is now being reported by LVNV Funding with a balance of {$160.00}. 

On or around XX/XX/year>, I submitted my first dispute requesting full validation of the debt, including the original signed agreement, complete payment history, proof of assignment or purchase, and evidence of LVNVs legal authority to collect and report the account. LVNV failed to provide this documentation. 

I followed up with a second dispute on XX/XX/year>, and a third dispute on XX/XX/year>, restating that I had never received proof that LVNV owns the debt or that the reporting is accurate. Despite this, they have continued to report the account as a valid debt, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under FCRA 623 and FDCPA 809 ( b ), LVNV is required to cease reporting until proper validation is provided. Continued reporting of unverified and potentially inaccurate information causes serious damage to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-10 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ 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 2025-07-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

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 2025-07-10 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: NE

Complaint narrative:
I have fraudulent accounts still appearing on my credit report. These accounts are unlawfully being reported with false information and fraud accounts. They have failed multiple times to give me any proof or documents showing I have a legal contract with them. I am demanding under my rights using the FCRA LAW these unauthorized accounts to be removed from my credit report. XXXX, XXXX XXXX, XXXX XXXX, XXXX. Here are all the inquiries that are fraudulent and are appearing on my credit report that I am demanding to be removed. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. All these accounts and or inquiries needs to be removed due to fraudulent activity and or do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Continental Finance Company, LLC
State: OK

Complaint narrative:
On XX/XX/XXXX I was approved for a FIT Mastercard through Continental Finance. It required a {$95.00} processing fee to be paid before XX/XX/year> in order to activate my card. On XX/XX/XXXX at XXXX central time I called the number to make my initial payment so that my card could be activated. The woman who took my payment said her computer wasnt working and she had to restart. So I called back at XXXX and spoke to a man who took my payment. It completed through my bank on XX/XX/XXXX. I have now called every day trying to get my card activated and I get told every single time that I need to make the {$95.00} payment. When I tell them that I have, they tell me that itll be escalated and I can have my card activated in just a few hours. On the morning of XX/XX/XXXX when I called I was given an email address to provide proof of payment and told to call back the next day, XX/XX/XXXX for activation. Another lie. I called back on XX/XX/XXXX and was told it will take up to XXXX business hours to complete the review of the proof of payment clearing my bank. I called back today, XX/XX/XXXX at XXXX and was denied activation and the rep put me back in to a call queue where I sat for XXXX minutes before hanging up and calling back. At XXXX cst I reached another agent. They've run my credit, gotten {$95.00} from me and I have no card to use a week later. I demanded my card be activated and demanded to be sent to a supervisor. I was then sent to an escalation line at XXXX where I am still on hold at 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