vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX east XXXX XXXX XXXX, NJ, New Jersey XXXX XX/XX/year> LVNV Funding LLC P.O. Box XXXX XXXX, SC XXXX Subject : Cease and Desist Unauthorized Sale or Disclosure of Personal Information Account Number : XXXX Dear LVNV Funding LLC, I am writing to notify you of a serious concern regarding the handling of my personal information associated with the above-referenced account. It has come to my attention that my private financial and identifying information has been sold, shared, or disclosed to a third party without my express consent or legal authorization. 



Such actions constitute a violation of my privacy rights and may also violate provisions under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which strictly regulate how consumer information may be used, shared, or reported. 



Accordingly, I demand that LVNV Funding LLC : Cease and desist from any further sale, transfer, or disclosure of my personal information to any XXXX  party ; Provide a written explanation of how my personal information was used or shared, including the names of any entities with whom you shared or sold my data ; Delete all personal and account information from your systems and cease reporting the collection account to the credit bureaus ( XXXX XXXX and XXXX ) ; and Provide written confirmation within XXXX days of receipt of this letter that these actions have been completed. 



If these violations are not corrected, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for investigation. 



This letter also serves as a formal cease and desist request under the FDCPA you are to cease all communication with me except to confirm compliance with this request or to notify me of specific legal action. 


Sincerly, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: PA

Complaint narrative:
I did not open a account with self financial lead bank open on XXXX XXXX I or a self builder account I found out about the account I closed it they never told me it was a credit card on the account when I found out I called them they gave me the information to get in the account and I gave them my correct information they told me and showed me how to make a payment they said do it and I will get my money back after the investigation they have received their money back from the merchant how can I get a let report to the credit bureau if I did not open this account and they received there money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I called on XX/XX/year> to verify if I had any sign up bonuses. Representative said if I spent {$500.00} I would get {$300.00} and if I use the travel portal with capital one that I would get {$100.00} travel credit. 

Did all of this within a month and noticed that no credit was given. When call several times and talking to several supervisors was told my account was ineligible and the information given over the phone was wrong and there was absolutely nothing they could do for compensation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am filing a complaint against Ally Financial regarding their reporting of an auto loan account ( ending in XXXX ). This account was charged off in XX/XX/XXXX, with a written-off amount of {$47000.00}. However, the company continues to report a past due balance of {$18000.00} and has marked the account as CO ( charge-off ) for each month from XX/XX/XXXX through XX/XX/XXXX, well after the account was already closed. 

This appears to be inaccurate and misleading reporting, possibly in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Once a debt is charged off, creditors may not continue to report the account as increasingly delinquent month after month. This creates the false impression of ongoing delinquency and damages my credit unfairly.

Furthermore, despite the charge-off amount exceeding {$600.00}, Ally Financial has not issued a Form 1099-C, as required under IRS Code 26 U.S.C . 6050P, suggesting the debt may have been canceled but not properly disclosed. 

I previously disputed this account, and Ally responded that the investigation was complete, yet the reporting remains inaccurate. I am requesting that the CFPB : Investigate this account for inaccurate or unlawful reporting Require Ally Financial to clarify whether the debt was canceled or sold If the debt was canceled, ensure that it is no longer reported as past due Require Ally to correct or remove any misleading payment history beyond the charge-off date Remove this account from all credit reports if it can not be verified accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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:
XXXX XXXX XXXX placed on my credit report that I still owed a bill from XXXX to XXXX XXXX cellular. I paid XXXX XXXX XXXX XXXX  XXXX in XXXX of XXXX and they removed the charge from my credit summary that the bill was paid. 
IN XXXXXXXX XXXX XXXXXXXX, XXXX XXXX reopened that I still owed money in the amount of {$530.00}. I sent XXXX proof of payment from XXXX of XXXX and I also sent to XXXX XXXX XXXX that the bill was paid through XXXX XXXX XXXX XXXX XXXX and removed from my credit file in XXXX. They put it on my credit report after sending proof of payment. from my bank. I treied to call XXXX XXXX and they phone number on my bank records is no longer working at XXXX XXXX XXXX XXXXXXXX. 
I think it odd that I paid this in XXXX to get it off my credit. Then it is removed and resurfaces aftger 3 years! Something is not right.

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
b"I want to dispute these accounts   because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges.  I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.XXXX XXXX XXXX XXXX Balance:$XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX Balance: $XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX  Balance: $XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Prior to sending certified letter, I responded to the collection notice I received in the mail requesting verification. The only thing I received was a statement with the balance. No details. 

XXXX certified letter sent to XXXX requesting the following : no response so according to FCRA, account should be removed from all 3 credit reports. When calling the credit bureaus, they claim that creditor has verified the debt but can not provide any details.

1. The name and address of the original creditor ; 2. A full itemized breakdown of the amount claimed, including the original balance, interest, fees, and any other charges ; 3. A copy of the original signed agreement or contract establishing the debt ; 4. Proof that MCM is legally authorized to collect this debt in my state ; 5. If applicable, a copy of any judgment obtained. 

XXXX letters sent to all XXXX credit bureaus including a copy of the certified mail receipt requesting the debt be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I am submitting a complaint against XXXX XXXX XXXX and First Credit Services. XXXX continues unauthorized withdrawals despite stating my account is inactive. A {$200.00} collection has been reported to TransUnion even though I am current on payments. When I attempted to cancel in person, staff harassed and intimidated me. This has helped to lower my credit score by XXXX points and caused significant stress. I would like to have an investigation and removal of the inaccurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: NY

Complaint narrative:
I disputed with expirian the accounts titled security credit services XXXX XXXX XXXX XXXX  {$14000.00}. I requested that they produced original documentation from contract or immediately delete from my account. They disregarded my request & On XX/XX/year> the information was changed on security credit services without furnishing requested documentation which is fraud & illegal due to the fcra. I have reason to believe they are attempting the same fraudulent activity with the XXXX XXXX account as well.

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed XXXX accounts with TransUnion titled security credit services {$160.00} & kinum inc {$14000.00}. I requested that they produce original documentation of the contract as per FCRA. They ignored my request & instead changed the information on the account which is illegal & fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: Chime Financial Inc
State: FL

Complaint narrative:
Chime report to credit bureaus lowered my rating from a XXXX to a XXXX for one late payment and I believe to be incorrect. I was late by 30 days but never had I have my report hit so hard by one late payment and it screwed up my chances to build credit elsewhere. The payment was late due to a car accident I sustained and loss of income due to the accident. I believe that a XXXX point hit to my credit report for being a month late on a payment was not legal. Please advise me if Im and any further steps I can take

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXXXXXX To : Experian Subject : Dispute / Complaint Incorrect address on credit report I hereby request that you remove the incorrect address listed in my consumer credit report. This address is not my current address, nor have I ever lived there/ used it. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to maintain maximum possible accuracy ( FCRA 607 ( b ) ), and information that is inaccurate or unverified must be corrected or deleted ( FCRA 611 ( a ) ).

Furthermore, furnishers supplying such identifying information must ensure it is accurate ( FCRA 623 ( a ) ).

Also, I rely on CFPB Circular 2022-07, Reasonable investigation of consumer reporting disputes, which states that I have the right to dispute this information without unnecessary burdens, and you are required to conduct a reasonable investigation once the dispute meets statutory requirements.

In addition, CFPBs Advisory Opinion on Facially False Data holds that obviously false or inconsistent information must be removed. An address which is not mine, that I never lived at, or never authorized, is facially false. 
Please complete your investigation and update or remove the incorrect address no later than 30 days. If you can not verify the correctness of the address, you must delete it under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute XXXX or more unauthorized hard inquiries that appear on my credit report maintained by your agency. These inquiries were made without my knowledge, authorization, or any permissible purpose, in direct violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b. According to the FCRA, a hard inquiry may only be made if there is a legitimate and permissible purpose, such as applying for credit, insurance, employment ( with written consent ), or other situations expressly permitted by law. I did not initiate or authorize this inquiry, and I demand that it be removed immediately from my credit file.

Under 15 U.S.C. 1681i, I am requesting that your agency conduct a reasonable reinvestigation into this matter and delete the unauthorized inquiry from my file. Please also provide a written confirmation of the results of your investigation within 30 days, as required by law. 
If this unauthorized inquiry is not removed, I will consider taking further legal action and filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 
Thank you for your prompt attention to this matter.

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. These items are not transactions conducted by me as a consumer.

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 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against THD/CBNA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported.

Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C.

1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Credit inquiries i did not authorized XXXXXXXX XXXX XXXXXX/XX/year> - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, at XXXX PM, I placed a purchase through Cash App totaling {$1.00} ( or {$1.00} after Cash Apps international fee ). 

I have the Cash App Round-Up feature enabled, which should have automatically invested {$0.00} of that transaction into Cash App stock. At XXXX AM, the stock purchase was initiated and marked as pending. 

Over a week later, despite the stock market being open for XXXX trading days, the order was still pending. I then contacted Cash App Support for assistance.

Their first response came on XX/XX/year>, at XXXX PM. They later replied at XXXX PM that same day, informing me that my case would be escalated to a specialist. However, I have not received any further communication or resolution since then. As a result, Cash App has left my funds in a pending state, and I currently can not access, withdraw, or use that money in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute one or more unauthorized hard inquiries that appear on my credit report maintained by your agency. These inquiries were made without my knowledge, authorization, or any permissible purpose, in direct violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b. According to the FCRA, a hard inquiry may only be made if there is a legitimate and permissible purpose, such as applying for credit, insurance, employment ( with written consent ), or other situations expressly permitted by law. I did not initiate or authorize this inquiry, and I demand that it be removed immediately from my credit file. Under 15 U.S.C. 1681i, I am requesting that your agency conduct a reasonable reinvestigation into this matter and delete the unauthorized inquiry from my file. Please also provide a written confirmation of the results of your investigation within 30 days, as required by law. If this unauthorized inquiry is not removed, I will consider taking further legal action and filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 
Thank you for your prompt attention to this matter.

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 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, its been a couple years that I noticed that the unauthorized and fraudulent account on my credit report. The bank name is XXXX XXXX, opened on XX/XX/year> and closed on XX/XX/year> and reported 6 years and 3 months late. 
I disputed a couple times but it was never approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief