vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Email : XXXX Date : XX/XX/year>XXXX  LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Formal Dispute & Debt Validation Request Original Creditor : To be confirmed by collector Account Number : As reported/ to be confirmed by collector To Whom It May Concern & CFPB Reviewer : I am disputing the accuracy, ownership, and validity of an alleged debt being reported by LVNV Funding LLC This is a request for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and a dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 



I am requesting written confirmation of the original creditor and full account number associated with this alleged debt, as only partial or insufficient information has been made available. 



Please provide : Identity of the original creditor A copy of the original agreement bearing my signature Complete itemization of the balance ( principal, interest, fees ) Proof that this debt was legally assigned/transferred to your agency Date of first delinquency and proof within statute of limitations Proof of authorization/licensing to collect in my state If you are reporting this account, you must : Mark the account as disputed Cease reporting until validation is supplied Provide proof all data furnished is accurate If you can not validate this debt, you must delete it from all credit bureaus under FDCPA and FCRA requirements. 



Please upload all validation documentation to the CFPB portal. If you choose to contact me directly, email only at : XXXX I do not consent to phone contact. 



Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-31 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: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
American Express is attempting to collect an alleged balance of {$160.00}, but they : Closed my account Blocked my ability to log in Refuse to provide a bill or itemized statement Refuse to explain the charges Continue calling me and threatening collections Send only automated template letters instead of answering Ignored multiple certified written requests for a billing statement I have repeatedly asked American Express to provide a bill so I can see what the charge is for and pay it. They have refused to send one.

I can not view my account online because it is disabled, so I can not verify or pay anything. They continue to threaten collections without ever providing a statement. 

I am not refusing to pay. American Express is preventing me from paying by denying account access and refusing to provide the bill. 


What Happened My account was closed without explanation. 

A balance appeared. 

I requested billing documentation multiple times by certified mail. 

American Express refused to provide a statement. 

They will not allow me to log in to view or pay the balance. 

They continue threatening collections anyway. 

Harm I have been : Unable to verify the alleged balance Unable to pay due to blocked access and no bill Stressed by repeated phone calls and threats Spending time sending certified letters asking for a basic statement Resolution Requested I am asking the CFPB to require American Express to : Provide a full billing statement for the alleged balance. 

Restore access to the account OR provide a written payment method.

Stop collection threats until they provide the bill. 

Provide a real written response, not automated template letters. 

I am simply asking for the opportunity to see the charges and pay them. American Express is refusing to give me the basic information required to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-10-31 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-31 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-31 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX promised an operational washer and dryer set before purchase. After purchasing the item it became clear that the equipment didnt work at all. Their store location has moved as well. There was response to my calls or request for refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
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 explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/year> I attempted to transfer XXXX dollars from my Citibank high interest savings account to a checking account. I unfortunately selected the wrong account and the ACH transfer did not go through. I called Citibank to express my concerns about the issue and on XX/XX/year> they issued a provisional credit of XXXX dollars to my account while researching the issue. The original XXXX did eventually get credited back to my Citibank high interest savings account. On XX/XX/year> I received a message from Citibank that the XXXX provisional credit is being clawed back from my savings account after researching the matter with the ACH transfer. I believe this violates Regulation E which states that the institution had XXXX days to complete its investigation and provide written notice. If it does not provide written notice in this time frame the provisional funds become permanent. This provisional credit was in my account for XXXX  days.

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 monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Regional Management Corporation
State: TX

Complaint narrative:
I have a loan with XXXX XXXX and they called me I told them I will make a payemt on my account when I can .. well I went to log in to the app and Uauthorized payment was made on my behalf XXXX XXXXXXXX drafted from my account without my permission and vilioted my privacy act law I did not give permission for Regional Fianance to draft money from my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Under 15 U.S.C. 1681c-2 ( a ), you are required to block these fraudulent accounts within four ( 4 ) business days of receiving this request. If you are unable to verify these accounts as legitimate, they must be permanently removed from my credit file. 

Please provide written confirmation that these accounts have been blocked. Failure to comply with my request will result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: WA

Complaint narrative:
Hello Experian, I respectfully request your kind assistance in reviewing the following accounts and inquiries that appear on my credit report. I am simply a consumer trying to understand and correct any inaccuracies that may be affecting my report. I kindly ask for a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported about me is accurate, verifiable, and complete. 

Accounts in Dispute : XXXX XXXX XXXX XXXX Acct No. XXXX Reported XX/XX/XXXX {$2700.00} XXXXXXXX XXXX  Acct No. XXXX Reported XX/XX/XXXX {$5700.00} XXXX XXXX XXXX  Acct No. XXXX Reported XX/XX/XXXX {$540.00} Inquiries in Question : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my dissatisfaction with the service provided towards me, into fixing a serious problem over my credit report. I have contacted the agency requesting to help me dispute unknown unauthorized hard inquiry appearing on my credit report. This unauthorized action has negatively impacted my credit score, the agents don't want to move forward with opening my files, they respond by saying that they are not able to take further actions. I am invoking my rights under the Fair Credit reporting Act for a thorough investigation over these actions. 
My text below shows proof of evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> I initiated an online bill payment transaction via the Chime mobile banking application for {$140.00} payable to XXXX XXXX. I was contacted by XXXX stating they haven't received the payment. I have contacted Chime several times to get a copy of the canceled check. I have spoken with their employees by phone and also via the chat feature. I probably have talked with about XXXX to XXXX different individuals. Each time I get a different answer. They don't seem to have a good understanding of the bill payment feature and they seem to think I am wanting to deposit a check or that the transaction is waiting for me to send them a check, or that it is still " under process. '' I have tried to explain this to their employees that this is a check Chime mailed out to pay a bill for me. I also explained to them that I needed a copy of the canceled check and then the person asked me why would I want to cancel the check. Today, the agent I chatted with stated in the chat that this transaction doesn't exist. I just need this resolved. 

On XX/XX/year> Chime responded and said for me to call XXXX and request that the check be canceled and the funds redeposited into my account. When I called that number there is an XXXX XXXX named XXXX that answers. The XXXX XXXXXXXX asks me to describe the situation. I said I would like to cancel the check issued on XX/XX/year> and have the funds redeposited to my account. The XXXX XXXX said hold on while I research it. The voice then says she can't find that transaction and asks me if I'm referring to the payroll deposit. I said no it is a Bill Pay Check issued on XX/XX/year> for {$140.00}. The XXXX XXXX said they can't find that transaction. I then said " Human, '' " live agent '' and it said I understand you want to speak with someone but I can assist you here. This is an endless cycle of doomloop. The whole reason I sent the first complaint is because I can not get anywhere with Chime, or their XXXX XXXX  or the agents that actually come on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Hello, I am a consumer simply trying to fix and understand my credit report. I am respectfully requesting Experian to please review the following accounts and inquiries. Some items appear to be inaccurate or incomplete, and I would like verification of their accuracy under the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ). 

Charged-Off Accounts in Dispute : XXXX XXXX Opened XX/XX/XXXX Balance {$2600.00} XXXX XXXX Opened XX/XX/XXXX Balance {$670.00} XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance {$4500.00} XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {$17000.00} XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {$14000.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$410.00} Inquiries to Be Verified : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Late Payment to Review : 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-31 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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