vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
LVNV Funding : acct. XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account because according to 15 USC code 1692g, the agency never proved ownership or validity and because of that, they're supposed to delete the item by law. Also, if the bureaus don't get proper validation, they must remove it within 30 days per FCRA. Furthermore, my credit report shows that the last active date was XX/XX/year> and I haven't spoken or heard from anyone in years which displays inaccurate information on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX  Phone : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX RE : Dispute of Inaccurate Late Payment Reporting XXXX XXXX XXXX  Account ( Acct # XXXX ) To Whom It May Concern, I am formally disputing inaccurate and potentially unverifiable late payment information reported on my credit profile regarding the following account : Creditor Name : XXXX XXXXXXXX XXXX Account Type : Installment Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} Reported Late Payment : XX/XX/XXXX ( XXXX days late ) According to the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S. Code 1681i ], I am entitled to dispute any information that is inaccurate, incomplete, or unverifiable. Upon review, I found no proof that this late payment in XX/XX/XXXX is valid, verified, or accurately reported. 

Additionally, under 15 U.S. Code 1666b ( Truth in Lending Act ), a creditor may not treat a payment as late unless they have adopted and followed reasonable procedures to ensure that the billing statement was provided at least 21 days before the payment due date. If XXXX XXXXXXXX XXXX can not demonstrate that such procedures were followed, this reported late payment violates federal law and must be removed. 

Supporting case law includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requires credit bureaus to go beyond just relying on the furnishers data. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Failure to conduct a reasonable reinvestigation XXXX result in legal liability. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Bureaus must follow procedures to ensure maximum possible accuracy. 

Because the late payment in question contradicts other data reported, lacks independent verification, and was possibly reported in violation of 1666b, I am formally requesting immediate removal.

I am requesting the following : 1. A full reinvestigation of the XX/XX/XXXX late payment notation. 
2. Removal of the 30+ day late payment from this account if it can not be verified with actual documentation or if billing notice requirements under 1666b were not met.

3. An updated copy of my credit report reflecting the deletion.

4. A written explanation of your reinvestigation process and findings.

Please complete the reinvestigation and respond within 30 days, as required by the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: AL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Tried to settle, hired XXXX. XXXX is reporting false statements about settlement.

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 2025-08-04 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: WA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-04 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: WA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-04 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: MS

Complaint narrative:
The credit bureau has been sued that's reporting a XXXX account # XXXX to my credit file. 

The credit bureau unlawfully failed to investigate my customer dispute that I reported as inaccurate. 

The sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am disputing a collection account reported by LVNV Funding LLC for {$850.00}, originally from XXXX XXXXXXXX XXXX XXXXXXXX, appearing on my XXXX and XXXX credit reports. The account number is XXXX. 

This account is inaccurate, incomplete, and legally unverifiable : 1 Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must ensure maximum possible accuracy. Reporting a debt that can not be validated with original documentation violates this law.

2 Under FCRA 1681i ( a ) ( 1 ) ( A ), the bureaus must conduct a reasonable investigation. Data matching is not sufficient.

3 Under FCRA 1681i ( a ) ( 5 ) ( A ), any unverifiable information must be permanently deleted.

4 LVNV Funding has not provided proper validation of this debt, including : - A signed contract with my wet signature, - A full itemized billing history, - A complete chain of title from the original creditor. 

I never entered into any agreement with LVNV Funding LLC, and I do not owe this alleged debt. They are a third-party debt buyer and have failed to provide any legal proof of ownership or liability. 

I am requesting the CFPB investigate and compel LVNV Funding and the credit bureaus to either produce full validation or permanently delete this collection from my credit reports. Continued reporting without evidence is a willful violation of the Fair Credit Reporting Act and I reserve the right to pursue legal action under FCRA 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
There was a returned charge fee of {$30.00} dollars from XXXX XXXX XXXXXXXX XXXX. I have the same account and routing number with them for years now. I even have a monthly automatic payment on with the same account as always. I did an additional payment besides my monthly so I could pay off the balance. However 4 days later after that additional payment done, I received the interest charge payment from the month cycle. I went into the XXXX app to pay the interest charged like I always do when giving additional payments. However it got revoked and got charged the returned charged. When called to explain they told me that I had XXXX accounts that they were entered manually. I explained several times that I did not recognized the second account. And when paying the interest charge I put to pay from linked account. Which is the XXXX Ive used for years, and the same I used to pay the additional payment 4 days prior to pay off. The representative supervisor stated that it was not possible to waive the fee since I was the one to choose the account. Trying to get a timeline and figure out since when that second account was added to the XXXX. I asked since when it had been added and she was not able to provide information due to client privacy. I continue trying to explain that I did not recognized the second account and that I had never had this situation happened before. I logged in to the app and explained that this was the first time that I saw this second account in my XXXX app and deleted for safety. Representative stated that it had to be put in manually by the consumer. I wanted to see if there was a pattern of regular charges on that second account. And when asked how many times the second account has been charged. Responded only this XXXX time that it was revoked. I then tried to talked to her by explaining that it did not made sense that the only time Ive had a charge revoked is from an account I do not recognize. I did stated that the only account I recognize is the one the always gets charge from. 
At the end representative stated that it was not possible to help me since the pay was done by consumer. I did verbalized my willingness to pay the interest charged, but it was not fair for the consumer to pay any additional fees when consumer does not recognized the account that payment got revoked from. I asked for help to see how can I get the account froze while getting this sorted out. She stated as long as I would pay my minimum payment. Then I told her it was not fair since the only debt left is that returned charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Purchased tickets for an event at XXXX ( thru XXXX ) using a Citi Credit card on XXXX XX/XX/year> for an event on XXXX XX/XX/year>. The tickets were purchased for this specific event ( out of several events ) due to the specific performing XXXX. 

Everything started on the day of the event as expected, and instead of bringing the stars out, they played a TV show. After the nearly hour long TV show, the venue announced that the star would not be present and they had other attendees instead. 

I checked the website and saw that this star was quietly removed a few days before the event ( I used the wayback machine to verify when the star was removed ). I contacted the venue complaining about this issue and never received a reply. I then filed a chargeback with Citi and they investigated, requested information ( and proof ) and then stated on XXXX XXXX 2025 that " They were unable to assist since I used these services with the knowledge that they were not what I originally agreed upon. '' I refiled the dispute and then Citi responded on XXXX XXXX 2025 stating that the charge was valid. Again, this was a bait-and-switch dispute, not an invalid charge. 

I refiled again and then Citi responded on XXXX XXXX stating they didn't have enough information to support my claim. 

I refiled again and Citi stated they were reaching out to the merchant. Citi gave the merchant 60 days to respond and the merchant responded on the XXXX day. On XX/XX/XXXX, Citi responded that the information they had wasn't enough to support the claim. I contacted Citi and found they told the merchant I never received the tickets. Of course, this was not true, so I OPENED THE DISPUTE AGAIN. 

On XXXX XXXX and then XXXX XXXX, Citi said that they " Have no recourse with the merchant for this issue. '' On XXXX XXXX, Citi responded that they will support my claim if I can provide a credit slip from the vendor. Of course, this is nothing I have, and I can not supply. 

Citi is no longer responding to my claims for support. 

At no point did the venue attempt to notify attendees that this star would not be present.

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 2025-08-04 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: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA

), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
One main financial company called me at work the first time on XX/XX/year>XXXX  telling me I owed them something, I told them I did not who they were, and I owed nobody, I told them to stop calling me at work, They have called me two more times at work, after I told them not to call me at work, by boss has answered the last two calls and has gotten mad at me for receiving personal calls at work

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: MA

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-08-04 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: CA

Complaint narrative:
To : Equifax and XXXX XXXX XXXX RE : Incorrect Furnisher Identity Reporting No Relationship to XXXX XXXX XXXX I am filing this formal dispute and complaint regarding the inaccurate reporting of an account under the name XXXX XXXX XXXX on my Equifax credit report. 

Equifax is currently reporting that account # XXXX which was originated by XXXX XXXX XXXX is being furnished by XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CA. This is incorrect and misleading. I have never had any financial or contractual relationship with XXXX XXXX XXXX. 

My signed contract clearly identifies XXXX XXXX XXXX, located at XXXX XXXX XXXX, as the true creditor. My XXXX  and XXXX  reports correctly reflect this. Only Equifax misattributes the account to XXXX XXXX XXXX. 

If XXXX reinvestigation relied on XXXX to verify this account, that would constitute a procedural failure under FCRA 1681i and 1681e ( b ). XXXX is not the furnisher and has no authority or record of this account. This also raises concern under FCRA 1681s-2 ( b ) if XXXX is unknowingly or improperly furnishing data tied to a consumer it has no account with. 

I respectfully demand the following : - Immediate deletion or correction of the furnisher name on Equifax to reflect XXXX XXXX XXXX. 
- Full reinvestigation and written confirmation of the method and source of verification. 
- Written acknowledgment from XXXX, if applicable, that they are not furnishing this account. 

Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am also formally requesting the method of verification used by Equifax in verifying this account. Please provide : The name, address, and contact information of the furnisher of the data ; A description of the procedure used to verify the account ; The date and means by which the information was verified ; Whether the account was verified via an automated e-Oscar response or manual communication. 

I am submitting this through the CFPB due to the significant and repeated harm this inaccurate reporting has caused. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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