vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I disputed this alleged debt and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 8 ).

Resurgent Capital Services L.P., acting on behalf of LVNV Funding LLC, responded by providing only internally generated account summaries and copies of billing statements from the original creditor. They did not provide a copy of any signed or authenticated cardmember agreement, a complete chain of title demonstrating lawful assignment of my specific account, or documentation establishing the accuracy and legal enforceability of the balance, including contractual authority for post-charge-off interest or fees.

This response does not constitute proper validation under 15 U.S.C. 1692g ( b ) and does not reflect a reasonable investigation as required by 15 U.S.C. 1681s-2 ( a ) ( 8 ) and 1681s-2 ( b ).

Despite the lack of lawful validation, the companies have asserted that the debt is verified and have indicated that collection and credit reporting may continue, in violation of 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ). 

I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX. My sole sources of income are Social Security Disability Insurance ( SSDI ) and U.S. Department of Veterans Affairs XXXX benefits, which are exempt from attachment and garnishment pursuant to 42 U.S.C. 407 ( a ) and 38 U.S.C. 5301 ( a ).

I respectfully request that the CFPB require Resurgent Capital Services L.P. and LVNV Funding LLC to cease collection and credit reporting unless and until they fully comply with the FDCPA and FCRA, or to close the account and correct or delete any inaccurate or unverified reporting. Continued collection or reporting without lawful validation constitutes unfair or unconscionable conduct under 15 U.S.C. 1692f.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose to 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 non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate information on my credit report. Below, I have outlined the accounts in dispute for each bureau. Please review and investigate the information provided. 

Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( multiple entries )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On one day, XX/XX/year>, someone used my BoA Credit Card to charge {$15000.00}. These charges were made in XXXX, XXXX. The charges are for clothing and travel. The bank not only allowed these charges but allowed an overdraft of my credit limit by {$8800.00}. My card was in my home in a secure place as I was not using it, not even in my wallet. I was not informed of these charges as they progressed. When I did notice the charges I immediately contacted the bank and began a fraud claim. 
On XX/XX/XXXX, I received a letter that informed me BoA was not approving my claim. I immediately called and ask them to review my claim again because it was so obviously fraud. I also faxed and mailed the Fraud Dept. at BoA on XX/XX/XXXX a detailed letter outlining how this claim should not be denied. The reason they provided me for not allowing my claim was that they had confirmed that the charges were made using XXXX of my verified devices, cell phone or tablet. 
On XX/XX/XXXX I received a letter confirming that they were still not approving my claim. I call and immediately requested copies of their proof that I used my phone or tablet to make these charges. As of today XXXX months since these charges were made i have received any documentation that they claim proves this is not fraud. I have been a customer of BoA for 33 years and am XXXX XXXX XXXX. living on fixed income. This is an unsatisfactory way to treat anyone. I feel that they are not sending the documentation because they can not prove that I made those charges. 
I need help in getting these documents to prove that I did not make charges and get those charges off my credit. 
I have both my phone and laptop checked for any software that would allow for external use and they are both clean.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint to dispute inaccurate and incomplete information appearing on my Equifax credit report. I am actively working to fix my credit and ensure that all the information is correct and compliant with the Fair Credit Reporting Act ( FCRA ). 

XXXX Accounts I dispute the accuracy, balance, and reporting of the following charged-off accounts. These accounts are incorrectly reported or lack sufficient validation : XXXX XXXX XXXX  Acct # XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX Acct # XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX Acct # XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Acct # XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} Bankruptcy Acct # XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} I request that these accounts be properly validated or deleted if they can not be verified. 

Inquiries I dispute the following inquiry due to lack of authorization or verification : XXXX XXXX Date : XX/XX/XXXX Please verify that this inquiry was authorized or remove it accordingly. 

Late Payments I dispute the late payment reporting on the following account as it does not accurately reflect my payment history : XXXX XXXX Acct # XXXX This late payment should be reviewed for accuracy and corrected if found to be incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
On XXXX at XXXX I was instructed by a Santander Representative to make a payment to stop repossession. I agreed to make a {$500.00} payment. I made that payment on XXXX, unfortunately it was denied and said i owed more and {$500.00} wasnt good enough, this was not communicated over the phone. I again resubmitted another payment on XXXX ( XXXX different times before it was accepted ). Despite this, my vehicle was repossessed on XXXX. This constitutes a wrongful repossession. I wrote an email to santander demanding immediate reinstatement and release of the vehicle, waiver for all repo fees, a written confirmation, any notifications sent, and a call log of the recorded conversation. I have not been contacted. All of my personal belongings are still in the vehicle. The payment has been sitting in pending status in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am victim of identity theft, in the process of buying a house ; I realize my identity was stolen and used to obtained credit cards. ( XXXX XXXX XXXX XXXX - $ XXXX {$1000.00} ) ( XXXX XXXX XXXX  XXXX $ XXXX ) ( XXXX  XXXX  XX/XX/XXXX {$970.00} ) ( XXXX XXXX XXXXXXXX XX/XX/XXXX {$970.00} ) ( XXXX XXXX XXXX XX/XX/XXXX {$5500.00} ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$250.00} ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$230.00} ) ( XXXX XXXX XXXX XXXXXX/XX/XXXX {$10000.00} ) XXXX XXXX XX/XX/XXXX {$1100.00} ) ( XXXX XXXX XXXX  XX/XX/XXXX {$790.00} ) XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1800.00} ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$620.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} )

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 2025-12-15 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: LEXISNEXIS
State: PA

Complaint narrative:
On XX/XX/XXXX, I formally disputed multiple fraudulent items on my consumer report with the company. I provided an official FTC Identity Theft Report ( # XXXX ) and all other required documentation under the Fair Credit Reporting Act ( FCRA ) to prove these items were the result of identity theft. The fraudulent items include an automobile insurance claim ( Claim # XXXX ) filed on XX/XX/XXXX under a completely different name, and multiple false traffic violations from XX/XX/XXXX ( Ticket # XXXX, # XXXX, # XXXX ), including an allegation of driving without a license, which is demonstrably false as I hold a valid drivers license. 
On XX/XX/XXXX, the company responded to my dispute but refused to remove the fraudulent information, claiming it had been " verified. '' This action is in direct violation of their legal obligation under FCRA 15 U.S.C. 1681c-2, which mandates that they block information resulting from identity theft within four business days of receiving proper notification. The company has failed to follow reasonable procedures to ensure the accuracy of its data and has ignored the substantial evidence of identity theft I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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 XXXX 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 2025-12-15 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 XXXX 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