vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am submitting this complaint regarding LVNV Funding, LLC and account XXXX XXXX and account XXXX. LVNV Funding has never properly validated the alleged debt associated with this account. 
After I disputed the debt and requested validation, LVNV Funding failed to provide proper documentation verifying the accuracy, ownership, or amount of the debt. Instead, after I filed a complaint, LVNV Funding responded with generic and insufficient documents that did not constitute proper debt validation. These materials did not include a complete account history, original creditor documentation, or evidence that the debt is accurate and legally owed by me. 
Following this, LVNV Funding engaged in inconsistent credit reporting. The account was removed from some credit bureaus but remains reported on at least one bureau. The remaining report lacks payment history or supporting account details and appears to be structured in a way that makes the account appear correct without providing the information required to verify its accuracy. This inconsistent and incomplete reporting is misleading and demonstrates a failur
e to conduct a reasonable investigation as required under applicable consumer protection laws. LVNV Fundings actions have resulted in inaccurate and unverifiable information continuing to appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: IL

Complaint narrative:
According to A 15 U.S.C. 1681 it is illegal to report inaccurate information on my credit report without my permission. Im unaware of this debt and didnt get the chance to dispute this account. Please remove this account if you can not legally provide Certified mail with a receipt displaying my signature for account XXXX or this will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-12-29 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
Please correct my account by eliminating the wrong late payment and showing accurate, positive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I relocated from XXXX XXXX XXXX XXXX XXXX  XXXX ago. I, myself got a cashiers check to myself in XXXX XXXX  from a Wells Fargo bank,, now in XXXX  with real ID, social security card, official change of address in hand, Wells Fargo cashiers check from XXXX of XXXX walked into the bank to reopen the account, cash my cashiers check, again Wells Fargo cashiers check, I was told by the checker it has to be validated as if it was a personal check or different banks, then she was arguing that my account still shows my XXXX  address, I called customer service was told NO THATS NOT CORRECT my account is showing my new XXXX XXXX  address. She then told me to wait for about XXXX minutes to validate my PERSONAL CASHIERS CHECK FROM XXXX XXXX WELLS FARGO ISSUED XX/XX/XXXX and then told me that since they have gotten busy I now have to wait till she is done with people who came after me. I closed the account I will never bank with Wells Fargo again due to this experience I am also putting this online publicly on XXXX, XXXX and filing with the XXXX  I was treated like a criminal despite having banked with Wells Fargo since XXXX. And I feel it was discriminatory based on me having tattoos, she was rude, unprofessional and treated me like a criminal I have now been here an hour and still waiting for a check I paid for and is Wells Fargos.

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 2025-12-29 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-29 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: MD

Complaint narrative:
Im submitting a complaint against Equifax, Experian and Transunion for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the fair credit reporting act ( FCRA ) despite providing the necessary documentation to prove the inaccuracies, Equifax, Experian and Transunion has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report 915u.s.c 1681 ) and conducting a proper reinvestigation to remove the errors within the required 30 day period

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 2025-12-29 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: NV

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 any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: NV

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 any 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 2025-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Denefits LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding an installment account being reported by Denefits LLC related to XXXX XXXX. This account is reporting inaccurate and misleading information and is severely damaging my credit. 



The account shows : Date Opened : XX/XX/XXXX Term : 36 months Date of First Delinquency : XX/XX/XXXX Current Status : Over 120 days past due / 180 days or more past due Balance Reported : {$3800.00} High Credit : {$2600.00} Date Reported : XX/XX/XXXX I dispute the accuracy and validity of this account for the following reasons : Incorrect Balance The reported balance of {$3800.00} exceeds the original high credit of {$2600.00}. I have not received billing statements or documentation showing how this balance was calculated, including interest or fees. This raises serious concerns about accuracy under the Fair Credit Reporting Act ( FCRA ).

Improper Continued Reporting / Re-Aging This was a 36-month installment contract that should have reached maturity in or around XX/XX/XXXX. However, the account is still being reported as currently delinquent in XXXX with no date of last activity listed. This appears to be improper continued reporting and potential re-aging. 

Failure to Validate After Prior Disputes I have previously disputed this account and have never received proper validation, including a signed contract, itemized billing statements, or proof of the balance owed.

Lack of Communication I have not received recent bills, notices, or collection communications regarding this account, yet it continues to report as severely delinquent.

Because of these issues, the information being furnished is incomplete, inaccurate, and misleading. Denefits LLC has failed to meet its obligations under the Fair Credit Reporting Act to ensure accurate reporting and to properly investigate disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Ask if i can pay when i get my text money, i stop getting my childsupport which i used to pay for groceries but since i stop getting in XXXX i been over drafting my bank account with XXXX  just pay for food and bills for my son and me. I have tried to make small payments XXXX XXXXXXXX {$30.00} a week but XXXX  got hacked and reject severeal payments

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am submitting this complaint regarding Capital Ones handling of a credit card dispute involving XXXX XXXX XXXX. 
I purchased tickets through XXXX for a specific, date-certain event. After the purchase was completed, the event was rescheduled by approximately XXXX months. This postponement was unilateral and not agreed to at the time of purchase. 
A delay of this length constitutes a material change to the original agreement. The tickets were purchased for a time-sensitive event, and postponing the performance by nearly a year fundamentally altered the nature and value of the purchase. 
I filed a dispute with Capital One based on this material change. I submitted documentation showing the original event date and the rescheduled date. Despite this, Capital One closed the dispute and held me responsible for the charge without providing a substantive explanation addressing how a ten-month postponement does not constitute a material change. 
I am requesting executive-level review of Capital Ones handling of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Consumer Financial Protection Bureau Online Complaint Submission Product : Credit Reporting Issue : Incorrect information on credit report / Public record reporting COMPLAINT NARRATIVE I am submitting this complaint regarding the continued reporting of XXXX  information on my consumer credit reports by XXXX, Experian, and XXXX  that is unverified, lacks a lawful furnisher, and does not comply with the Fair Credit Reporting Act ( FCRA ). 

I am the debtor in XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX Case No. XXXX. XXXX  information related to this case appears on my credit reports. 

To determine the lawful source of this reporting, I submitted a formal written request to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  requesting confirmation of whether the XXXX XXXX XXXX or any court authority directly furnishes bankruptcy information to consumer reporting agencies. 

As of the date of this complaint, there has been no confirmation that the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX acts as a furnisher of information under the FCRA, nor that the court supplies data directly to credit reporting agencies. 

This indicates that the XXXX  information is being obtained through third-party public-record data aggregation, rather than from a lawful furnisher subject to the duties imposed by 15 U.S.C. 1681s-2. 

Despite this, the consumer reporting agencies continue to report the XXXX  without : Identifying the actual furnisher of the information ; Disclosing the method of verification used during reinvestigation ; Demonstrating compliance with 15 U.S.C. 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ) ; or Demonstrating compliance with 15 U.S.C. 1681i ( lawful reinvestigation ). 

Reporting public-record data without a verified furnisher and without lawful verification renders the information inaccurate, incomplete, and misleading, and has caused ongoing harm to my credit profile. 

Consumer Information Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase held money that I processed thru XXXX XXXX without prior notification regarding why the deposits was being held. At first, I thought it was because of the XXXX holiday and delays in the bank processing those deposits. I waited the holiday out and the weekend today I called to speak to a dispute specialist with a ref # XXXX They said it was regarding a dispute for {$3000.00} from the same client that frauded XXXX XXXX by business on XX/XX/XXXX 2 months after the service was provided. This money was collected via a link sent by Chase and the lady informed of address mismatch and the name of the customer not provided, In the link that was provided thru chase it does not ask for their customer 's address. I let the lady know customer asked for a towing service and I have the address for the hotel where they were staying at and the drop off address in XXXX  where the car was being towed to. This customer frauded my business and chase did not do proper investigation that resulted in the customer winning the dispute for all of the charges that he disputed after the service was provided. XX/XX/XXXX, I got a confirmation that the correct email has been updated but still the dispute info was sent to the wrong email address. I challenged the dispute and provided all documents and communication with the customer regarding the two-service requested by the customer. I got transferred from disputes to quick pay ref # XX/XX/year> XXXX XXXX  contact ID XXXX which they informed me the amounts being held because I have an open dispute from the same customer that frauded my business. {$92.00}, {$120.00}, {$96.00}, {$110.00}, {$810.00}, {$62.00}, {$63.00}, {$24.00} Dear XXXX XXXX XXXX XXXX XXXX XXXX Thank you for providing your new email address. Your email address will be updated immediately. 
If you did not request this email address change or have any questions, please log on to Chase.com and send us a secure message from your Secure Message Center inbox. 
Please do not respond to this confirmation email. 
Sincerely, Online Services Team

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
FCRA 605 ( b ) & 605B Identity Theft To Whom It May Concern, I am submitting this letter as a formal dispute of inaccurate and fraudulent information appearing on my consumer credit report. The accounts listed below are the direct result of identity theft and were not opened, authorized, or used by me. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to : 605 ( b ) Prohibition on reporting obsolete or inaccurate adverse information 605B Block of information resulting from identity theft 611 Requirement to conduct a reasonable reinvestigation Under FCRA 605B, once a consumer identifies information resulting from identity theft and provides proper documentation, consumer reporting agencies are required to block the reporting of such information within four ( 4 ) business days. Any continued reporting after notice constitutes a violation of federal law. I have enclosed copies of my government-issued identification and proof of address. An Identity Theft Affidavit

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