vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Capital Bank/Dell XXXX XXXX And Only Tells Lies About My ( XXXX ) Money Order Payments That I Mailed To Their Company! And They Received Both Of My Money Order Payments On Time Too! Because I Had The Billing Dept Confirm That With Me! And Comenity Capital Bank/Dell Thinks That It's Good Business To Try To Force A Buyer To Use Their Checking Account First As The Only Way To Pay Them! But I Said : No, I Can Not Use My Checking Account To Pay My Total Bill Of {$480.00} To Pay For XXXX XXXX XXXX XXXX XXXX A 3 Year Support Coverage. And So I Even Added {$20.00} To Cover A Late Fee So I Paid Total Of : {$500.00} All Within XXXX Weeks! But Dell XXXX Is Trying To Over Charge My Bill Of {$480.00} ( But I Added {$20.00} To Cover A Late Fee! ) And So I Paid A Total Of {$500.00} In XXXX Money Orders To Dell XXXX And Their Billing Dept Got Both Of My XXXX Money Orders All Within XXXX Weeks! And Confirmed That With Me! And Paying With Money Orders Was Perfectly Fine With The Sales Guy Too Who Took My Order. And It Was Never Mentioned To Me Either About A " 10 Day Waiting Period To Account For My Money Order Payments! '' I Paid In Full {$500.00} ( That Included A {$20.00} Late Fee ). All Within 6 Weeks And I Don't Owe Any More Money To Comenity Capital Bank/Dell . My Resolution Is : I Want Comenity Capital Bank/Dell Completely Removed Off Of My Credit Report Immedialely! And Since After All Of My Complaints Your Company Comenity Capital Bank/Dell Comes Up With This : That You Have To Take 10 Days To Account For Money Order Payments! You Act Like A Crooked Company! My Request For My Resolution Is : Immediately Take Off Comenity Capital Bank/Dell Completely Off Of My Credit Report!!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
Formal Complaint Statement for CFPB / FTC / Attorney General Subject : FDCPA Violations Harassment and Failure to Validate Debt by [ Law Firm LINEBARGER GOGGAN BLAIR AND SAMPSON LLP To Whom It May Concern, I am filing this formal complaint against * * \ [ Law Firm Name ] * * for violating my rights under the * * Fair Debt Collection Practices Act ( FDCPA ) * * specifically under * * 15 U.S. Code 1692g * * and * * 15 U.S. Code 1692c * *. 1. * * Failure to Validate Debt 15 U.S. Code 1692g * *
The firm has contacted me attempting to collect an alleged debt but has * * failed to provide any legally required validation * * of the debt. Despite my request, they have not : * Provided the amount of the debt; * Identified the original creditor; * Provided verification or any supporting documentation proving their right to collect ; * Honored the 30-day dispute and verification window as required by law.

They are continuing collection activities * * without first validating the debt * *, which is a direct violation of federal law.

2. * * Harassment and Unlawful Communication 15 U.S. Code 1692c * * The firm has also engaged in * * harassing and coercive communication * *, including : * Contacting me at inappropriate times; * Ignoring my request for no further communication; * Using aggressive, misleading, or intimidating language; * Attempting to pressure me into payment without proof or explanation.

Their continued communication after being notified in writing to stop is * * not only unlawful but intentional * *, and it demonstrates a blatant disregard for consumer protections under federal law.

3. * * Requested Resolution * * I am requesting that : * This law firm be * * investigated * * for FDCPA violations; * They be ordered to * * cease all collection efforts * * until they comply with federal validation procedures; * They be penalized for their harassment and non-compliance, and prevented from reporting inaccurate or unvalidated debt to credit bureaus ; * My rights under federal and state consumer protection laws be upheld and enforced.

I am also prepared to take * * legal action * * to seek damages and hold the firm accountable under the FDCPA if this matter is not resolved immediately.

Thank you for your attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
15 U.S Code S 1681C-2 A consumer reporting agency shall block the reporting of any info in the field that the consumer identifies as info that resulted from an alleged identity theift, no later then 4 business days after the date of receipt. It has been 30 days and u are in violation of this law bc Im a Victim of identity theify. should not b furnished on my consimer report. As they are in violation under 15 U.S Code of 1681B-permissable purpose of consumer reports ( a ) in general objects to subsection ( c ) any consumer reportin may furnish a consumer report under the following circumstances and no other ( 2 ) coordinates with the written instructions of the consumer whom it relates l never gave any consumer agency written cosent to reprt anything on ny consumer report which violates my rights as a federal protectes consumer. No consent if identify theift. As a consumer I'm demand the deletion of 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 2025-08-21 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: OH

Complaint narrative:
XXXXXXXX XXXX the Fair Credit Reporting Act ( FCRA ), I reqest the imediate deletion of an acct reportin inaccurate and misleadin info.

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 2025-08-21 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: Chime Financial Inc
State: AL

Complaint narrative:
I did a credit report and found out I have a secured credit card open in my name and listed on my report. I called the company, and they gave me the FTC website and said I had to do all this before I could get the credit card canceled, but I put a freeze on all my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding LLC and its servicer Resurgent Capital Services L.P. for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

On multiple occasions, I sent both Debt Validation Requests and Verification Requests to LVNV Funding LLC and Resurgent Capital Services regarding an alleged debt originally with XXXX XXXX XXXX  ( Acct. ending XXXX ). 

In my letters, I specifically requested : Proof that I legally owe the debt, including a copy of the original contract bearing my signature. 

A detailed accounting of the alleged balance. 

Documentation showing LVNV Funding LLCs legal right to collect the debt in the State of Texas. 

Despite these lawful requests, neither LVNV Funding nor Resurgent Capital Services provided sufficient documentation proving that I owe this debt. Instead, they responded with limited account summaries and statements but failed to provide any proof of ownership, original signed agreement, or chain of title. 

Further, in correspondence dated XX/XX/year>, Resurgent Capital Services denied my inaccuracy dispute while admitting they could not provide the necessary supporting documentation. This is a direct violation of my rights under federal law, as they are required to provide full validation before continuing collection or reporting activities. 

Despite the lack of validation, LVNV Funding continues to report this alleged debt to the credit bureaus, which constitutes the furnishing of inaccurate and unverified information in violation of the FCRA. 

Supporting Documents Attached : XXXX XXXX XXXX  statement ( showing account details ). 

Account Summary Report from Resurgent/LVNV. 

Resurgent Capital Services denial letter dated XX/XX/year>. 

Copies of my Debt Validation/Verification Request letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
For several years we have been going back and forth with XXXX XXXX XXXX XXXX over debt validation and verification which they never provided. Instead the charged off the account and sold it to a debt buyer, who then posed as a servicer and commenced to send letters trying to extort my family for funds not due them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: IL

Complaint narrative:
I sent dispute letter on XX/XX/year> to remove this account due to statue of limitations & still havent gotten a response back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1. Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency.

2. A full itemization of the alleged debt, including principal, interest, fees, and all charges.

3. Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt.

4. Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as Perry v. Stewart Title Co. , 756 F.2d 1197 ( 5th Cir. 1985 ).

Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in FDIC v. United Pac. Ins. Co., 20 F.3d 1070 ( 10th Cir. 1994 ).

Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in Carpenter v. Longan , 83 U.S. 271 ( 1872 ), which supports the principle that the note and security instrument can not be separated.

Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 2025-08-21 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Novo Platform Inc.
State: NV

Complaint narrative:
While looking for a new bank to transfer my XXXX XXXX XXXX XXXX business account to, I found Novo, which was also offering a Sign Up Bonus at the time. It was a no brainer for me. After opening my new business checking account with Novo, and meeting all of their Sign Up Bonus requirements, one of them being keeping a minimum balance of {$5000.00} for 90 Days, I inquired about the status of my Sign Up Bonus. I received a response from them saying that I would receive my Sign Up Bonus within 90 Days. I then asked them for clarification on the 90 Days ( 90 Days from when ). I then received a response sating that I was ineligible for the Sign Up Bonus because the promotion was on hold at the time I opened my account with the. That is total nonsense because the promotion was being advertised on their website when I opened my account. I feel like this is pure Bait and Switch or Fraud or at the very least Misleading Advertising on the part of Novo.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
XXXX XXXX XXXX  is inaccurately reporting the Date of First Delinquency ( DOFD ) on a charged-off account. The true XXXX was in XXXX, but XXXX is re-aging the account by reporting more recent delinquency notations in XXXX and XXXX. This practice is a violation of the Fair Credit Reporting Act, 623 ( a ) ( 5 ), which prohibits furnishers from altering or misrepresenting the DOFD in order to extend how long negative information remains on a consumer report. I am requesting that XXXX XXXX immediately correct the DOFD to reflect the original delinquency in XXXX and remove any re-aged derogatory notations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX Bank is inaccurately reporting the Date of First Delinquency ( DOFD ) on a charged-off account. The true XXXX was in XXXX, but XXXX is re-aging the account by reporting more recent delinquency notations in XXXX and XXXX. This practice is a violation of the Fair Credit Reporting Act, 623 ( a ) ( 5 ), which prohibits furnishers from altering or misrepresenting the DOFD in order to extend how long negative information remains on a consumer report. I am requesting that XXXX XXXX immediately correct the DOFD to reflect the original delinquency in XXXX and remove any re-aged derogatory notations.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I deposited money orders at a Citizens Bank branch on XX/XX/XXXX and XXXX. These were valid XXXX XXXX money orders deposited into my active Citizens Bank checking account. The funds cleared into my account on the XXXX, at which point I initiated outbound ACH transfers for the majority of the funds to a linked external account owned by me. I did this through Citizens ' online ACH transfer services to an external account that has been linked to my Citizens account for about a year and that I have had successfull outbound and inbound transfers with before. This was a very basic transaction conducted through Citizens Bank in order to pay a bill from an external account. 
However, on the day they were scheduled to arrive at my external account. Citizens notified me via email that Citizens rejected the transfer and my account was suspended from further transfers. Upon logging into my online account I noticed warning messages that stated my account was locked and to call their phone number. I called the number as directed and verified my identity and activities multiple times. I eventually received positive feedback on the XXXX that there was a misunderstanding, my account lock has been lifted, and that the funds should be available in my account by the XXXX or XXXX. However when following up today, the XXXX, I noticed my account was now locked again. All funtionality of my online accounts was also XXXX at this time. I called the Citizens service center and fraud numbers as directed again, only to be informed that my account was locked again, that they would not unlock it, and that my funds would no longer be accessible by me. They did not provide any reasoning for this and stated I must wait XXXX business days for a letter that " may or may not explain what happened '' and that a check of my outstanding funds ( {$2000.00} ) " may or may not be mailed to me within 60 days, depending on what Citizens Bank decides. '' This is a major breach of the basic services promised to me. I can not afford to incur late fees on bills that my funds were meant for. This is an outrageous situation to be in as a basic checking customer trying to make a basic deposit and ACH transfer. I can't believe it has cost me this much time, effort, and now late fees, to find out what is going on with my funds from a Bank that promises these basic services. Please help me recover my funds as soon as possible.

Company response to consumer: Closed with explanation