vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Credit Management Company XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account.

Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I dispute the validity of this alleged debt in its entirety.

Under 15 U.S.C. 1692c ( c ), you are hereby instructed to cease all communication with me regarding this matter unless and until you provide proper validation of the debt, including but not limited to : The name of the original creditor The amount of the alleged debt Proof that I am legally obligated to pay this debt If you continue collection efforts without providing proper validation, such actions will constitute violations of federal law. 

This letter is not an acknowledgment of liability, nor a promise to pay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: NC

Complaint narrative:
This account has been settled, but it inaccurately still shows delinquency history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- Balance : {$690.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$980.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$660.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$160.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$200.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$390.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I disputed this alleged debt in writing and timely requested full debt validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) on XX/XX/2025, via certified mail to LVNV Funding LLC and its agent, Resurgent Capital Services L.P . 

Despite my written dispute, the companies failed to provide lawful validation within the XXXX statutory period. Instead, they sent only generic account summaries and an unsigned loan document that does not establish ownership, chain of title, or legal authority to collect. 

The XXXX validation period expired on XX/XX/2025. After that date, all collection activity was required to cease by law. 

However, after the validation period expired and without ever providing proper validation, my personal information was disclosed and transferred to an additional third-party debt collector, XXXX XXXX XXXX XXXX XXXX On XX/XX/2025, I received a collection letter from XXXX XXXX XXXX XXXX attempting to collect the same alleged debt on behalf of LVNV Funding LLC. 

This disclosure and continued collection activity occurred after administrative default and without lawful authority, constituting continued collection on an unvalidated debt and unlawful third-party disclosure of my personal information. 

Additionally, after I sent a formal Notice of Non-Response and Opportunity to Cure to XXXX corporate officers, XXXX XXXX XXXX XXXX sent further correspondence dated XX/XX/2025, containing language threatening renewed collection activity despite the expired validation period. 

These actions violate the FDCPA, including but not limited to : Continued collection after failure to validate ( 15 U.S.C. 1692g ( b ) ( c ) ) Improper communication tactics Misrepresentation of authority to collect Disclosure of consumer information to third parties without lawful validation I have documented all correspondence and certified mail records and am requesting CFPB intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: CORELOGIC INC
State: OH

Complaint narrative:
On XX/XX/year>, I sent a written dispute to DataX concerning inaccurate and unverifiable information. XXXX received the dispute on XX/XX/year>, as evidenced by certified mail green card confirmation. 
To date, XXXX has issued no response whatsoever. No reinvestigation results, no notice of findings, and no communication has been provided. 
This constitutes a clear violation of 15 U.S.C. 1681i ( a ) for failure to conduct and complete a reinvestigation, as well as 1681e ( b ) for continued reporting without assurance of accuracy.

Requested Resolution Immediate deletion of all disputed items Written confirmation of compliance with FCRA reinvestigation requirements

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 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
Please take off my account Ive had identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: DE

Complaint narrative:
I see a closed account on my credit report XXXX XXXX XXXX I didn't have that account

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 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I disputed inaccurate reporting by JPMCB Card Services on XX/XX/year>. JPMCB received the dispute on XX/XX/year>. The response consisted only of billing statements.

Billing statements do not satisfy the furnishers obligations under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and report accurate results to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: WI

Complaint narrative:
Back on XX/XX/2025 I had noticed both my business checking accounts had unauthorized activity purchases on both my XXXX XXXX XXXX for nearly XXXX and my other company XXXX XXXX for like XXXX from some company never heard of yet they told me would fix n investigate have provision credit 1-3 business days that would been max XX/XX/2025 total lied to zero credit back yet 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 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I mailed a Debt Validation letter on XX/XX/year> with the USPS via certified mail, tracking # XXXX to XXXXXXXX XXXX XXXXXXXX  at XXXX XXXX XXXX XXXX XXXX XXXX. Resurgent responded on XX/XX/year> with two letters, one saying another servicer is the current servicer. The second letter said they are providing proof of ownership, which is a XXXX XXXX XXXX bill with a name I have never used, XXXX XXXX XXXX. The information sent does not prove this bill is mine. I asked for the original contract with my signature along with other information to prove the debt is truly mine and as you can read in the attachments, they have not provided. I would like this debt removed from my credit accounts due to inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-21 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: NY

Complaint narrative:
On XX/XX/year>, my husband sold a truck on XXXX XXXX for {$5000.00} to an unknown person. This person paid him through my Zelle account at XXXXXXXX XXXX  The {$5000.00} was shown as pending on my account. We were not sure if this was a legitimate transaction since we did not know this person. About a half hour later, I received a call on my cell phone. The screen on my cell phone showed the call was coming from XXXXXXXX XXXX with the phone number XXXX. The caller told me there was suspicious activity on my account - XXXX payments going to XXXX XXXX. One was for {$2000.00} and the other for {$3000.00}. I explained to the caller that I was waiting for the XXXX to go through, and he told me that this was a scam where the buyer got my Zelle information and was using it to take money out of my account. He also told me that only I could stop the XXXX transactions going to XXXX XXXX, and he gave me instructions on how to do so. 

He had me go into my Zelle account on my computer and enter information while ensuring me that this would give Zelle the authorization to stop the payments. The first payment for {$2000.00} was complete, and he then wanted me to do the second payment for {$3000.00}, but XXXX would not let me complete the transaction without a code. He was on hold while I called XXXX for the code. 

I explained the situation to the XXXX representative, and she told me that this was a scam. She was trying to stop the {$2000.00} from being taken from my account but was not quick enough, and the money was gone. These funds were sent to the phone number XXXX. Luckily, the {$3000.00} did not go through. I am attaching a screen shot of the Zelle activity in my account. While on the phone with XXXX, the scammers called back XXXX times all from the XXXX phone number XXXX which is an actual phone number of XXXX. I am also attaching my cell phone record. 

The original {$5000.00} that came into my account was from an actual person and was not a scam. I have received those funds. I rarely use Zelle, and I do not think its a coincidence that on the day I used it to receive {$5000.00} a scam occurred for the same amount. Somebody is monitoring these accounts. 

XXXX said that they would do an investigation, and I have since heard back they can not do anything since it was an authorized transaction. I also filed a complaint with Zelle which was forwarded to the FTC. On the same day, I called XXXX XXXX Police Department and they took my information and filed a police report. I am trying to get my {$2000.00} restored to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS : I am formally disputing the validity of this debt. This account does not belong to me, and I did not authorize, open, or benefit from it. Reporting or attempting to collect a debt that is not mine is inaccurate and misleading.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers are required to report only complete and accurate information and must conduct a reasonable investigation upon dispute. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ), it is unlawful to falsely represent the character or legal status of a debt or attempt to collect a debt not owed. 

I request immediate validation of this alleged debt. If you can not provide competent evidence that I am legally responsible, this account must be deleted from my credit reports and all collection activity must cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I went to the ATM to get {$200.00}. The money did not come out of the ATM but it was subtracted from me account on XX/XX/XXXX. It is now XX/XX/XXXX and they have yet to issue the credit back to me account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Venmo froze {$110.00} in my account following a legitimate XXXX purchase. The funds have been held for over two months. Venmo now claims my account is closed but refuses to specify any policy violation, provide evidence, or explain when or if my funds will be released. I have repeatedly requested clarification with no response. This is causing financial harm and appears to be an improper and abusive funds hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: CA

Complaint narrative:
I have had my XXXX XXXX Secured Credit Account for XXXX days. In this time I have tried repeatedly to close the account so it will stop reporting negatively on my credit score. They say I have an outstanding balance of {$220.00} or so but I have paid this before. Every month I get a negative mark because of a late or missed payment, but through their portal my account is closed and there's nothing to be done.

I have lost so much money and so many points on my score as a result of their dishonest, misleading advertising -- and I absolutely never got the " payout '' they promise on their financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting by Equifax, Experian, and TransUnion related to my student loan accounts. These reporting issues are currently part of active litigation ; however, this complaint concerns the credit bureaus independent duties under the Fair Credit Reporting Act to ensure maximum possible accuracy. 

Between XXXX and XXXX, I obtained student loans that were later serviced by XXXX and subsequently transferred to XXXX XXXX. Since entering repayment, I have made payments in good faith. Beginning in XXXX and continuing into XXXX, I identified material discrepancies in how these accounts were reported across all three credit bureaus, including inconsistent balances, inaccurate payment histories, and interest accruals that did not align with my records. 

I submitted disputes to Equifax, Experian, and TransUnion throughout XXXX and XXXX, providing supporting documentation. Despite these disputes, the bureaus continued reporting the same inaccurate information. The responses appeared automated and did not reflect a reasonable reinvestigation of the disputed items. In some instances, information remained inconsistent across bureaus for the same account. 

These inaccuracies have caused ongoing, severe, and extreme harm to my credit profile, including adverse credit reporting despite my efforts to address and resolve the errors. This complaint does not seek to litigate the merits of the underlying loan dispute but instead addresses the credit bureaus failure to independently verify and correct inaccurate reporting. 

I am requesting that the CFPB require Equifax, Experian, and TransUnion to conduct a proper reinvestigation, correct or delete inaccurate information, and ensure that all reporting accurately reflects verified data, consistent with their obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My wallet was stolen with all my credit cards, ID, social security card, debit cards and other items that have my personal information on it. So now the credit bureaus are reporting negative information on my credit reports.

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 2025-12-21 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: CA

Complaint narrative:
On XX/XX/2025 at around XXXX PST, I called the First Savings HUE customer service phone number and requested to speak with the manager. After being transferred from account rep to supervisor to manager, I finally reached " XXXX '', the manager. 

I spoke to him ( " XXXX '', the manager ) that the amount charged as past due annual fee and yearly authorized user fee, needs to be properly updated to my credit report as paid on-time as agreed. XXXX, the manager, has confirmed over the phone that the account is current has a balanced of {$0.00} and is paid in full as agreed.

My credit report incorrectly shows late payment for XX/XX/2025 & XX/XX/2025. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ) ), furnishers of information have a duty to : Report accurate information, and Promptly correct or delete information that is inaccurate or can not be verified. 
XXXX XXXXXXXX XXXX has actual knowledge that the reported delinquencies are inaccurate, yet has failed to correct the erroneous reporting. Continuing to furnish this incorrect information after acknowledging the error constitutes a violation of the FCRA and is causing ongoing harm to my creditworthiness.

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 2025-12-21 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting by Equifax, Experian, and TransUnion related to my student loan accounts. These reporting issues are currently part of active litigation ; however, this complaint concerns the credit bureaus independent duties under the Fair Credit Reporting Act to ensure maximum possible accuracy. 

Between XXXX and XXXX, I obtained student loans that were later serviced by XXXX and subsequently transferred to XXXX XXXX. Since entering repayment, I have made payments in good faith. Beginning in XXXX and continuing into XXXX, I identified material discrepancies in how these accounts were reported across all three credit bureaus, including inconsistent balances, inaccurate payment histories, and interest accruals that did not align with my records. 

I submitted disputes to Equifax, Experian, and TransUnion throughout XXXX and XXXX, providing supporting documentation. Despite these disputes, the bureaus continued reporting the same inaccurate information. The responses appeared automated and did not reflect a reasonable reinvestigation of the disputed items. In some instances, information remained inconsistent across bureaus for the same account. 

These inaccuracies have caused ongoing, severe, and extreme harm to my credit profile, including adverse credit reporting despite my efforts to address and resolve the errors. This complaint does not seek to litigate the merits of the underlying loan dispute but instead addresses the credit bureaus failure to independently verify and correct inaccurate reporting. 

I am requesting that the CFPB require Equifax, Experian, and TransUnion to conduct a proper reinvestigation, correct or delete inaccurate information, and ensure that all reporting accurately reflects verified data, consistent with their obligations under the Fair Credit Reporting Act.

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