vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: NE

Complaint narrative:
To : Equifax RE : Dispute of Unverified Information- Account : XXXX Account Number XXXX  XXXX This letter is to Formally dispute the following account listed on my credit report. 
Account Type : Loan Creditor Name : XXXX Account Number : XXXX XXXX I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006.34 ( b ) ( 5 ) ). Since I haven't received such validation, I can not verify the legitimacy of this debt.

Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report.

This verification should include : The original credit of the debt, if applicable The amount of the debt The date the debt was incurred. Proof that I am legally obligated to repay this debt. If the credit or collection agency can not provide valid verification, and validation, within 30 days of my inquiry, I demand that you completely delete this account from my credit report.

Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers ' credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate.Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter.The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. A revised credit report, reflecting any changes made based on this dispute. 
Sincerely, 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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Thursday XX/XX/year> XXXX called XXXX XXXXXXXX XXXX XXXX Saturday XX/XX/year> XXXX Sunday XX/XX/year> XXXX They called multiple times and never left a voicemail. I called back on XXXX XXXXXX/XX/year> and asked why they were calling. They told me they were looking for someone named XXXX. I informed them that was not me nor my spouse. Was told I would be taken off the list. I have had this phone number for 20 years, no reason for anyone to ask for a XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I opened the XXXX Cashback World XXXX issues by Synchrony Bank in early XXXX. With this card you can make digital purchases through XXXX for 3 % Cashback until the physical credit card arrives by mail. At first that was working correctly, however the credit card never arrived so I ordered a replace card and suddenly I couldn't make digital purchases through XXXX. After spending an hour being bounced around between Synchrony Bank and XXXX customer support I was told it was inactive until the replacement card is activated. I have since received the replacement card, activated it and can make purchases directly in stores using the physical card but I am still unable to make digital purchases through XXXX for 3 % Cashback. 

I have spent hours talking to Synchrony customer support and XXXX customer support. Synchrony claims it's an issue with XXXX 's interface where the system is routing payments to the no longer active, defunct original card. XXXX claims no responsibility and keeps telling me to talk to Synchrony. 

I even had a representative from Synchrony customer support conference call XXXX customer support and explained the issue to him. His solution was " XXXX Synchrony '' while on a XXXX call with Synchrony. When we asked to speak to his supervisor he routed us to Synchrony customer support. 

XXXX is taking no responsibility and no one seems knowledgeable on how to solve this issue.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent Capital Services, acting as servicer for LVNV Funding LLC, continues to furnish and collect on XXXX disputed collection accounts without producing ownership or transfer documentation. 

In its CFPB response dated XX/XX/year> ( Case # XXXX ), Resurgent stated that LVNV acquired ownership rights but supplied no purchase or assignment agreementsonly billing statements and standard cardholder terms. XXXX account was acknowledged as beyond XXXX five-year statute of limitations yet is still reported as collectible. 
Furnishing or attempting to collect unverified or time-barred accounts violates FCRA 1681e ( b ), 1681i, 1681s-2 ( b ), FDCPA 807 ( 2 ) ( A ), and Fla. Stat. 559.72 ( 9 ).

All supporting documentation and my sworn Affidavit and Formal Demand for Complete Purchase Agreement, Chain of Title, and Evidentiary Documentation are attached for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-03 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:
Unverifiable Data Ref : XXXX XXXX XXXX XXXX {$360.00} Pain In Full/ Charged off Under FCRA 611 ( A7 ) credit bureau haven't verified ownership under legal XXXX data sharing rule. Provide method of verification and copies of all verification XXXX and TransUnion relied upon. 

Provide the original documentation, account account ledger, proof of ownership you're in violation of the credit reporting laws. This account is being reported in accurately and incompletely. This serves as a formal request to immediately delete this reinvestigation. Debt collector XXXX acct XXXX balance XXXX XXXX XXXX. This debt keeps reporting on my credit when it supposed to been deleted. I spoke with XXXX  agent by the name of XXXX on XX/XX/XXXX, she discussed via phone recorded conversation. She strongly explained XXXX doesn't report any charged off accounts to any credit bureaus. She said this acct balance on credit report is XXXX when it should state XXXX. She reassured this acct charged off XX/XX/XXXX that XXXX shouldn't be the one reporting but XXXX XXXX XXXX could report since this account is showing paid in full and charged off. All these discrepancies discussed but refused to delete this especially due to XXXX doesn't report charges off accounts. This account will be permanently deleted in XX/XX/XXXX. Transunion credit reporting agency told me XXXX requested for this account to be reinserted on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To Whom It XXXX Concern, I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ). 

I am a victim of identity theft and the data breaches with Equifax Ref : ( XXXX ) and TransUnion which compromised my personal information and resulted in the creation of accounts that I did not authorize. As a result several inaccurate and unauthorized accounts were added to my credit report with no written notice or verification from the furnishers.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Sections 605B and 611, I am requesting that Equifax and TransUnion immediately investigate and permanently block all fraudulent information associated with my credit file. The following accounts were not opened or authorized by me and should be removed immediately.XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  and XXXX XXXX. These accounts are the direct result of identity theft/ Data Breach. I have never applied for, used, or consented to the opening of these accounts, and they should not be associated with my name or credit file.

In accordance with the FCRA, I am requesting that you : 1. Conduct a full reinvestigation into the disputed accounts.

2. Permanently block and delete these fraudulent accounts and any related inquiries.

3. Provide written confirmation of the deletions and an updated copy of my corrected credit report.

To assist with your investigation, I have enclosed : 1 ) A copy of my government-issued ID 2 ) A recent utility bill as proof of address Please consider this my formal request under FCRA 605B to block and remove all identity theft related information from my credit report. I expect confirmation of these deletions wit
hin the 30-day investigation period required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX Last XXXX of 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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I am writing to dispute information appearing on my credit report and to explain that the phone number XXXX are not my correct contact numbers. These numbers were used in connection with accounts that were opened fraudulently in my name. 

My late sister, who lived with me at the time, opened several credit card accounts without my knowledge or consent. She had been making payments on these accounts, which is why I was unaware of their existence. After her passing, I began receiving notices for missed payments and discovered that the accounts were created using my personal information and the above phone numbers. 

I respectfully request that the credit bureau investigate these accounts, remove or correct any information related to this identity theft, and update my file to reflect my correct contact information. 

Please contact me directly at [ XXXX ] or by mail at the address above if you require any supporting documentation or further clarification. 

Thank you for your attention and assistance in resolving 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 2025-11-03 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: GA

Complaint narrative:
I am sending to formally dispute the reporting of inaccurate and unverifiable late payment accounts currently appearing on my credit report. After reviewing my records, I found several accounts reflecting late payment notations that are incorrect and do not align with my verified payment history. These entries are misleading, harm my credit standing, and appear to be the result of either a reporting or billing error. I take my financial obligations seriously and have maintained a consistent payment record, so these inaccuracies require immediate correction and reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: VA

Complaint narrative:
XXXXIn XXXX I transferred money from my checking account to my CashApp for vacation purposes. I tried to send the travel agent XXXX which was documented as pending (never had this issue before) I called CashApp and they stated if she doesnt receive the money in XXXX business days, it would go back into my account.never happened! I now have XXXX PLUS the XXXX thats tied up in XXXX XXXX  that has not been released AGAIN this has been since XXXX PLEASE HELP ME RETRIEVE MY FUNDS. (You may have a Class Action case because I am not the only person this happened to. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management placed a garnishment on my wages and the debt has been fully paid through the court. After the full judgment amount was satisfied, Midland failed to update the balance to {$0.00} and continued to show that I still owe additional money, including interest added after the judgment was paid. This is improper and misleading.

I disputed the remaining balance with the credit bureaus, but Midland verified the incorrect balance and refused to correct it. No written notice was provided regarding any new or additional charges after the judgment was satisfied. I also never received a Satisfaction of Judgment from the collector or their attorney, as required.

This violates the Fair Debt Collection Practices Act ( FDCPA ), including 807 ( 2 ) ( A ) misrepresenting the character, amount, or legal status of a debt and the Fair Credit Reporting Act ( FCRA ) for verifying and reporting inaccurate information after the debt was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-03 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: TrueAccord Corp.
State: PA

Complaint narrative:
According to 15 USC 1681 c-2 and 1681s-2 you have broken the law by reporting this information on my report knowing its inaccurate. Remove this fraudulent information from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
Here 's a clear, factual description you can use for your complaint : What Happened : LVNV Funding is reporting a collection account inaccurately on my credit reports with XXXX, XXXX, and XXXX. 
The account was opened on XX/XX/year> and placed for collection. The current balance is {$4000.00}. Last reported date was XX/XX/year>. 
The Problem : This collection account is being displayed on my credit report as an open account with a late payment history grid showing " Late 120 Days '' or similar delinquency markers. Collection accounts should not carry monthly payment history grids or be coded as open revolving credit lines. 
Why This is Inaccurate : According to XXXX XXXX reporting standards, collection accounts must be properly coded as collections, not as open accounts with ongoing payment history. This miscoding violates FCRA 15 U.S.C. 1681e ( b ) which requires accurate reporting, and 1681s-2 ( a ) which establishes furnisher obligations.

Impact : This improper reporting format artificially inflates the negative impact on my credit score by making a collection appear as an open account with multiple late payments, which is not the true nature of the account. 
Actions Taken : I discovered this error on XX/XX/year> when reviewing my credit reports from all three bureaus showing the same inaccurate format.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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