vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC is reporting a collection account for a XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  with an alleged original balance of {$3200.00}. I previously had a XXXXXXXX XXXXissued XXXX XXXX XXXX  ; however, the dates, balances, and reporting being provided by LVNV are inaccurate, incomplete, and inconsistent across all three credit bureaus. 

LVNV is reporting a Date Opened of XX/XX/year>, which is not the original opening date of the XXXX  XXXX account. That is simply the date LVNV began reporting the collection. LVNV is not reporting : The original date the account was opened with XXXX  XXXX The Date of First Delinquency ( DOFD ) The actual charge-off date The accurate delinquency timeline A transaction history A breakdown of the {$3200.00} balance The original account number Any validation or documentation showing the debt belongs to me These fields are required under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards for furnished data.

In addition, LVNV Funding is reporting inconsistent and contradictory information across the credit bureaus : XXXX  incorrectly lists LVNV Funding as the original lender, which is factually inaccurate, as LVNV is a debt buyer and not a creditor. 

XXXX  and XXXX  show XXXX XXXX XXXX  XXXX XXXX XXXX as the original creditor and LVNV as the collection agency, which conflicts with XXXX. 

XXXX XXXX does not list the original creditor at all for certain bureaus. 

I also did not receive a validation notice or a notice of my right to dispute within five days of LVNVs first collection attempt, as required by the FDCPA. When I attempted to obtain information, LVNV did not provide : The original creditor documentation from XXXX XXXX XXXX  XXXX XXXX A copy of the original signed contract or application The original account opening date The Date of First Delinquency ( DOFD ) A full and itemized accounting of the {$3200.00} balance Proof that LVNV legally owns the debt The complete chain of assignment from XXXX XXXX to LVNV Proof that the account is within the legal 7-year reporting period Accurate and consistent information across all three credit bureaus Because LVNV is not furnishing the required information and is reporting inconsistent, incomplete, and inaccurate data, I can not determine whether this debt is valid or legally reportable. I dispute the accuracy of this account as currently reported.

I am requesting CFPB assistance to require LVNV Funding LLC to validate the debt properly or remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely upset that the inaccurate late payments are still listed on my credit report. I refreshed the page over and over, yet they stay there as if nothing was fixed. I need the documents I submitted to be reviewed immediately and correctly so this nightmare can finally 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
There are inaccurate accounts reporting to my credit file without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
There are inaccurate accounts reporting to my credit file without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: PA

Complaint narrative:
I am a victim of identity theft resulting directly from one or more criminal data breaches that exposed my full name, Social Security number, date of birth, and address. As a direct consequence, numerous fraudulent accounts and inquiries were opened in my name without my knowledge or consent. I have never applied for, used, or received any benefit from the following fraudulent tradelines that continue to appear on my credit reports with Experian, Equifax, and TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( and additional fraudulent accounts/inquiries ) On XX/XX/scrub>XXXX I filed an official FTC Identity Theft Report ( FTC # XXXX attached ) and mailed certified dispute letters with copies of my ID, the FTC report, and a detailed list of fraudulent accounts to Experian, Equifax, and TransUnion demanding immediate blocking and permanent deletion under FCRA 1681c-2. 
Despite receiving proper identity-theft documentation and a sworn FTC affidavit XXXX Experian, Equifax, and TransUnion have willfully and/or negligently refused to block and permanently delete these fraudulent items within the mandatory four ( 4 ) business-day period required by 15 U.S.C. 1681c-2. Their continued reporting of these patently fraudulent accounts is causing me severe ongoing harm, including denial of credit, higher interest rates, and extreme emotional distress. 
These credit reporting agencies are in ongoing violation of multiple sections of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to : 1681c-2 Failure to block identity-theft information within 4 business days 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 1681i ( a ) Failure to conduct a reasonable reinvestigation and delete inaccurate information 1681n Willful noncompliance exposing them to statutory and punitive damages Furthermore, the original data furnishers violated the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 et seq. ) and the FTC Safeguards Rule by failing to maintain reasonable security safeguards over my nonpublic personal information, which directly enabled this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: PA

Complaint narrative:
I am a victim of identity theft resulting directly from one or more criminal data breaches that exposed my full name, Social Security number, date of birth, and address. As a direct consequence, numerous fraudulent accounts and inquiries were opened in my name without my knowledge or consent. I have never applied for, used, or received any benefit from the following fraudulent tradelines that continue to appear on my credit reports with Experian, Equifax, and TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( and additional fraudulent accounts/inquiries ) On XX/XX/scrub>XXXX I filed an official FTC Identity Theft Report ( FTC # XXXX attached ) and mailed certified dispute letters with copies of my ID, the FTC report, and a detailed list of fraudulent accounts to Experian, Equifax, and TransUnion demanding immediate blocking and permanent deletion under FCRA 1681c-2. 
Despite receiving proper identity-theft documentation and a sworn FTC affidavit XXXX Experian, Equifax, and TransUnion have willfully and/or negligently refused to block and permanently delete these fraudulent items within the mandatory four ( 4 ) business-day period required by 15 U.S.C. 1681c-2. Their continued reporting of these patently fraudulent accounts is causing me severe ongoing harm, including denial of credit, higher interest rates, and extreme emotional distress. 
These credit reporting agencies are in ongoing violation of multiple sections of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to : 1681c-2 Failure to block identity-theft information within 4 business days 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 1681i ( a ) Failure to conduct a reasonable reinvestigation and delete inaccurate information 1681n Willful noncompliance exposing them to statutory and punitive damages Furthermore, the original data furnishers violated the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 et seq. ) and the FTC Safeguards Rule by failing to maintain reasonable security safeguards over my nonpublic personal information, which directly enabled this identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
tried to resolve debt asked twice to not have funds withdrawn a certain day. funds were still withdrawn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Information that belongs to me is inaccurate Information is incomplete Credit reporting companys investigation was inadequate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm writing to dispute inaccurate personal information that's currently being reported on my credit file. After reviewing my report, I noticed that some of the details under my personal information section including name variation ( s ), addresses, or possibly even employment data are incorrect and not associated with me.

Let me be clear : I dont live at those addresses, I never used those name variations, and if theres employment or other identifying information listed that doesnt match up with my actual history, then it should have never been there in the first place. This kind of inaccurate personal information is not only misleading, its affecting how my report is matched with accounts, and it opens the door to errors, confusion, or worse identity mix-ups.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Debt collector failed to provide full validation including chain of title, account-level documentation, and full accounting. They attempted to collect despite a prior court ruling dismissing their case ( # XXXX ). They continue to report without legal basis, violating FDCPA 807 and FCRA 623. I am filing a complaint against Portfolio Recovery Associates
, LLC ( PRA ) regarding their continued reporting of a debt that they have not properly validated and for furnishing incomplete and misleading information to the credit bureaus.

Summary Portfolio Recovery Associates began reporting a derogatory collection account for a debt they claim to own. I disputed the debt and request full validation.

PRA sent only a generic verification letter, which does not satisfy the legal validation requirements under the FDCPA ( 15 USC 1692g ).

Despite this lack of proper validation, PRA continues to : Report the account as active and derogatory, has not removed it from my credit report Furnish inconsistent and incomplete information to different bureaus.

This is harming my credit and preventing me from qualifying for financing, including a recent home repair loan.

Validation Issues PRA has not provided : A copy of the original signed agreement or contract, Proof of assignment or chain of title, A complete itemization of the balance, A full payment history, Documentation proving they have a legal right to collect in my state.

They have only provided a single-page verification letter, which is not legal validation.

Under the FDCPA, if the collector can not validate the debt, they must cease collection activity, including reporting. PRA has not done so.

Credit Reporting Issues PRAs reporting is : Potentially in violation of the FCRA.

They continue to update the account after failing to validate, which is considered continued collection activity.

Additionally, PRA has not provided a response with real documentation to the credit bureaus when disputes were submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
For several years we seem to be getting charged for what we believe is a subscription for XXXX XXXX XXXX XXXX This was possibly originally purchased when buying a computer several years ago. We called to find out what this charge is but they are not telling us exactly who is charging this. It does not say straight out XXXX. It is a charge for {$140.00} .. XXXX. Last month. XXXX. 
that is a problem because right now I have a XXXX  complaint in against XXXX for the horrible customer service we experienced very recently when trying to get tech support. In our complaint we are stating that we are paying for this and we are not getting the quality support we deserve and it should not take several day s to a week to get a problem resolved. We were asking to be credited the yearly charge for this horrible experience. that lasted one week. 

They are denying that they are charging us. They said it is not them. That is impossible. Then who is it? It has to be them because people are charged yearly for office support and to even have the program. Dell should be able to tell us exactly who it is. The subscription could have been processed through a third party. That is what we are thinking and I'm sure they know this. They are being deliberately difficult. They are trying to distract us with this. If we do not get a full explanation, we are calling and going to protest the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-26 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: CA

Complaint narrative:
XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I financed a {$1900.00} purchase on a 24-month XXXX  percent interest promotion through my Best Buy Credit Card ( issued by Citibank ) XXXX The promotion began on XX/XX/XXXX and was scheduled to end on XX/XX/XXXX. 

At the start of the promotion, I set up automatic payments solely to pay off the promotional balance on time. The payment amount was calculated as {$81.00} per month over 24 months. I set autopay at {$81.00} to ensure the balance would be fully paid before the promotion ended. Every payment drafted on time. 

In XX/XX/XXXX, a small additional purchase of approximately {$220.00} was made on the card. I did not realize that this unrelated purchase would change how Citibank allocates payments. Citi applies payments above the minimum to high-interest balances first, meaning my fixed autopay amount was no longer being applied fully to the promotional balance. As a result, although autopay continued each month without any notice of an issue, the promotional balance quietly fell behind. 

When the promotion ended in XX/XX/XXXX, a small promotional balance of about {$220.00} remained. Because of the deferred-interest terms, Citibank then charged {$1300.00} in retroactive interestnearly the amount of the original financed purchase. I did not discover this until XX/XX/XXXX when reviewing my statement. 

When I contacted Citibank on XX/XX/XXXX, I was told the deferred interest could not be removed because I noticed the issue a few months after the promotion expired. However, autopay continued drafting the same amount every month, and I received no notification from Citi that the promotional payoff schedule had been disrupted or that a remaining balance would trigger deferred interest. 

Additionally, my online account does not display statements prior to XX/XX/XXXX, so I can not access the original promotion disclosures. I have attached available statements showing the consistent payment pattern and the sudden balance increase after the deferred interest was added. 

This appears to be a common issue among Best Buy cardholders : even a small purchase during a promotional period silently diverts payments away from the promotional balance, without adequate warning that autopay will no longer satisfy the scheduled payoff. The payment-allocation method is not clearly communicated, and Citi provided no alerts prior to or after the promotion expiration. 

I am requesting a review of the retroactive interest charge and an adjustment, given that I made every payment on time for the exact purpose of paying off the promotional plan, and the balance shortfall resulted from unclear payment allocation rules and lack of notice, not missed payments or misuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation