vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
I am writing to dispute the following accounts reported on my credit report. These accounts are either inaccurate, incomplete, or incorrectly reported. I request that they be reviewed and corrected as necessary in accordance with the Fair Credit RPrevious Address : No disputes for this section at this time. 

Charged Off : No disputes for this section at this time. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( FCRA ).

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 2025-12-18 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: CA

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 2025-12-18 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 dispute the following items on my Equifax credit report as they are inaccurate and do not reflect my correct credit history : CHARGED OFF : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pavilion Payments US BuyerCo, LLC
State: PA

Complaint narrative:
XXXX XXXX is in willful violation of Regulation F ( 12 CFR 1006 ) and the FDCPA. 

Failure to Send G-Notice ( Reg F Violation ) : The respondent initiated communication via text message on XX/XX/year>, but failed to deliver the required written Model Validation Notice ( 15 U.S.C. 1692g ) within five days. A hyperlink in a text does not satisfy the 'written notice ' requirement absent my E-SIGN consent, which they do not have. 

Deceptive Communication : The respondent is using 'shady ' short-code text messages to solicit payment on an unverified debt, a tactic often associated with phishing, which prevented me from validating the legitimacy of the request. Additionally, each text they send contains a different phone number, adding even further to my suspicion of their legitimacy. 

Premature Credit Reporting Warning : I am aware of this agency 's automated practice of credit reporting at Day 30. Reporting this item prior to providing the legally required written notice would constitute a further violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: NH

Complaint narrative:
XXXX $ was sent from my cashapp that I did not send. I started a dispute and got told it can take 45 days. Today XX/XX/year> I got told the dispute was still in progress by an associate so I called and got told it was declined on XX/XX/year>. I never got refunded and the " policy '' they put in place was not followed. I got to on XX/XX/year> that I needed to request it from the person and then file a dispute if they do not send it or I wait 24hrs. I've done the process already and they are refusing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
CEASE AND DESIST LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> LVNV Funding LLC XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Re : Account Number : XXXX To Whom It May Concern, This letter is being sent to you pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

I hereby demand that LVNV Funding LLC cease and desist from any and all communications with me regarding the above-referenced account, including but not limited to telephone calls, text messages, emails, letters, or contact through third parties. 

You are instructed to communicate with me only for the following legally permitted purposes : To confirm that you will comply with this request and cease all further communication ; or To notify me of a specific legal action that you intend to take. 

Any attempt to contact me beyond these exceptions will constitute a knowing violation of the FDCPA, and I will not hesitate to document such violations and pursue all remedies available to me under federal and state law. 

This letter is not an acknowledgment of the debt, nor is it a refusal to pay. It is a formal demand that you respect my statutory rights. 

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently checked my credit report and noticed several accounts with XXXX XXXX XXXX, account # XXXX opened on XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, and XXXX opened XX/XX/XXXX. There are also XXXX inquiries that were a result of the indentity theft which I will list below. I contacted the FTC report # XXXX. I tried to dispute the accounts through Experian but they have made it difficult to submit a dispute. I have attached the FTC report along with the documents required per the FCRA 605 ( b ) and would like this information blocked. Thank you. 


XXXXXXXX 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 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 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 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 2025-12-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Experian Information Solutions XXXX XXXX for repeated violations of the Fair Credit Reporting Act ( FCRA ). Despite receiving my formal written disputes, Experian has failed to conduct a lawful and reasonable reinvestigation and continues to report inaccurate, incomplete, and unverifiable information, including a misrepresented Chapter XXXX bankruptcy and multiple disputed tradelines. 

On XX/XX/year>, I mailed Experian a comprehensive dispute letter identifying specific inaccurate accounts, inquiries, and incorrect personal information. On the same date, I also mailed a formal request for XXXX XXXX of Certification regarding the bankruptcy public record being reported on my credit file. Both letters included government-issued identification, proof of address, and Social Security documentation , clearly establishing my identity and authority as the consumer.

Despite this, Experian continues to report the disputed information without providing competent evidence that it is accurate, complete, or verified with the original source. Experian is reporting a Chapter XXXX bankruptcy that is incomplete, inaccurate, and unverifiable. The public record entry does not match official court records and lacks required identifying details. The XXXX Bankruptcy XXXX does not furnish data directly to Experian, yet Experian claims the bankruptcy has been verified without disclosing the actual source or method used. 

This conduct violates the FCRA, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification upon request I formally demanded that Experian either : Verify the bankruptcy directly with the original source using reliable documentation, or Immediately and permanently delete the bankruptcy from my credit report Experian has failed to do either. In addition to the bankruptcy, I disputed multiple tradelines, credit inquiries, and incorrect personal identifying information that are either inaccurate or unverifiable. Under the FCRA, Experian has 30 days to conduct a reasonable investigation and must delete any information that can not be verified. 

Instead, Experian continues to report this information without meaningful investigation, in direct violation of federal law. Experians continued noncompliance has : Damaged my creditworthiness Interfered with my ability to obtain credit Caused significant emotional distress and financial anxiety This harm is ongoing and entirely avoidable had Experian complied with its legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/year> LVNV Funding, LLC XXXX XXXX XXXX XXXX, SC XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF FDCPA & FCRA ACCOUNT # XXXX XXXXXXXX To Whom It XXXX Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance. 

1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in the State of Texas ; 5. Surety bond information. 

A billing summary is not proof a debt ownership or legal authority to collect. Continued reporting of this unverified debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes furnishing of inaccurate and incomplete information. 

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : - 15 U.S.C. 1692e - 15 U.S.C. 1692f - 15 U.S.C. 1692g If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency un 15 U.S.C. 1681n and 1692k., including but not limited to statutory damages, punitive damages, legal fees, and costs. 

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I am writing to dispute certain items on my credit report as of [ insert today 's date ]. The following accounts have been disputed for incorrect reporting under the Fair Credit Reporting Act ( FCRA ). 

Charged Off : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I received two overdraft charges from Regions on XX/XX/XXXX. When I looked into why I received these charges they said that I had failed to transfer money in their grace period which would have been by XXXX on XX/XX/XXXX. When I informed them that I transferred money around XXXX on XX/XX/XXXX and was shown in the positive according to their online banking, ( and as of today, still show where I was in the positive at the time they charged me the two overdraft fees ) they then gave other excuses that made no sense because they were basically saying that their online app was somehow not correct? Even if that were the case, why would you penalize a customer for something that is not their fault? If their app does not reflect the true balance, then that is their fault. Their information showed me I was negative {$18.00} so I deposited {$20.00}. It then showed I was in the positive for {$1.00}. This was all done before their alleged cutoff time. I have printed out the transactions, and they still can not explain in any logical way, why an account with a positive balance incurred not one, but two overdraft charges. Even if there was some weird delay in their posting that the customer can not see, the customer can not fix what they do not know. They can only go on what they are shown BY THE BANK and the bank showed me I was in the positive and therefore I did not need to deposit anymore to stay in the positive. Regions is known for being greedy and deceptive in their fee charging which is why they have already had to settle a XXXX XXXX dollar lawsuit over their greed and charging fees illegally. They have not changed. Congress needs to put them right back under a microscope because they are up to their usual tactics again. They will even hold on to transactions and wait to hard post them so that you go into the negative and then charge fees.

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 2025-12-18 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: AL

Complaint narrative:
I am disputing the following charged-off accounts reported by Equifax that I believe are inaccurate or incomplete. Please review the details below : Charged Off : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Timothy M. Sullivan
State: IA

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX, a law firm attempting to collect an alleged consumer debt that is the result of fraud/identity theft. 

I timely disputed this alleged debt and requested validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I notified the firm through multiple written channels, including : Fax, which was successfully transmitted and confirmed received Email, which was delivered and opened ( read receipt confirms the email was opened in XXXX XXXX XXXX, IA ) Certified mail, which was delivered and signed for on XX/XX/year> Despite having clear notice of my dispute and request for validation , XXXX XXXX XXXX XXXX XXXX has failed to provide any validation of the debt, failed to acknowledge my dispute, and failed to respond in any manner. 

This alleged account was previously reported to the original creditor as fraudulent, and I expressly notified XXXX XXXX XXXX XXXX XXXX that this was an identity-theft matter. Under federal law, once a debt is disputed, a debt collector must cease all collection activity until proper validation is provided. The firm has not done so. 

Their failure to respond after confirmed receipt of my dispute constitutes a violation of the Fair Debt Collection Practices Act, including but not limited to : 15 U.S.C. 1692g ( b ) Failure to cease collection and provide validation after a timely written dispute 15 U.S.C. 1692e Misleading and unfair collection practices by attempting to collect without substantiation Potential violations of the Fair Credit Reporting Act should this disputed debt be reported without investigation I am requesting that the CFPB require XXXX XXXX XXXX XXXX XXXX to : 1. Provide proper validation of the alleged debt, or 2. Cease all collection activity and close the file related to this account I am attaching documentation showing delivery and receipt of my dispute, including fax confirmation, email read receipt, and certified mail delivery confirmation.

Company response to consumer: Closed with explanation