vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXX  XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX XXXX XXXX XXXX XXXX respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
This is a formal dispute under 15 U.S.C. 1681c-2. I request that you block the following fraudulent accounts that appear on my credit report. Enclosed are my FTC identity theft reports ( FTC REPORT NUMBERS : XXXX, and XXXX ) as proof. 
Fraudulent accounts to be blocked : 01. XXXX XXXX  XXXX XXXX XXXXXXXX XXXX 2XXXX XXXX XXXX 3.XXXX XXXX 4XXXX XXXX 5XXXX XXXX 6XXXX XXXX XXXX 7XXXX XXXXXXXX 8XXXX XXXX XXXX XXXX 9XXXX XXXX XXXX XXXXXXXX These accounts were already removed by other credit bureaus, yet Experian continues to report them inaccurately. I have requested validation from the creditors with no response after more than 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
Upon reviewing my recent credit report, I discovered that Jefferson Capital Systems , LLC is reporting an alleged debt in my name. I have never received any written notice of this debt within five ( 5 ) days of your initial communication, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). This failure constitutes a direct violation of federal law. Accordingly, I am formally disputing the validity of this alleged debt and demanding that you provide the following documentation in full compliance with federal law and supporting case law : The full name and address of the original creditor. A copy of the original contract or agreement, bearing my signature, that allegedly created the debt. A complete and unbroken chain of title, contract of assignment, including notarized assignments and any subsequent transfers. Proof that Jefferson Capital Systems has legal standing and authority to collect on this alleged debt. A detailed, itemized accounting of the amount you claim is owed, including principal, interest, fees, and any other charges. Relevant case law clearly establishes that a debt collector must be able to substantiate its right to collect a debt through proper documentation, including : Galiano v. Fidelity Natl Title Ins. Co., 684 F. Supp. 2d 1210 ( E.D. Cal. 2010 ) An assignee must prove a valid assignment to enforce a debt. Adams v. Zarnel, 619 F.3d 156 ( 2d Cir. 2010 ) Standing requires a demonstrable, valid chain of title. Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) Mere assertion of ownership is insufficient ; evidence of assignment is required. Until such documents are provided and verified, I demand that you immediately cease all collection activity and remove any negative tradelines related to this account from all consumer reporting agencies, as required under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ). Failure to comply with this request will result in legal action, including claims for statutory and actual damages under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and any applicable state consumer protection laws. This letter serves as a formal dispute of the alleged debt and notice of intent to initiate legal proceedings should your company continue unlawful reporting or collection efforts without substantiating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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 am filing this complaint against Experian because they are reporting a large number of inaccurate, unverifiable, and harmful items on my credit report. These include false addresses, charge-offs, late payments, collections, a bankruptcy record, and unauthorized inquiries. 

Experian is showing addresses that I have never lived at ( XXXX XXXX XXXX XXXX, XXXX, TX and XXXX XXXX XXXX, XXXX  XXXX, TX ). This creates suspicion of identity theft and file commingling. 

There are numerous accounts being reported as charge-offs even though balances are {$0.00}, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. It is impossible for a {$0.00} balance account to be charged off, and these entries are misleading and damaging. 

Experian is also reporting false late payments on accounts like XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. These late payments are inaccurate and have severely lowered my score. 

On top of that, Experian is reporting a bankruptcy record ( Ref # XXXX, dated XX/XX/year> ) that is incorrect. Bankruptcy is XXXX of the most damaging items on a credit report, and its false reporting has devastated my creditworthiness. 

Collections from XXXX XXXX and XXXX XXXX XXXX are also showing up even though I do not recognize these debts and have no agreement with these companies. This violates both the FCRA and the FDCPA. 

Finally, there are multiple unauthorized inquiries from companies such as XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, and others. I never authorized these inquiries, and they have negatively impacted my score and made me appear as though I am seeking excessive credit when I am not. 

XXXX failure to ensure maximum possible accuracy, as required under FCRA 607 ( b ), has caused me severe financial harm. I have been denied credit, forced to pay higher interest rates, and experienced emotional distress and reputational damage because of this inaccurate reporting. 

I request that the CFPB take immediate action to require Experian to properly reinvestigate these items and delete all unverifiable and inaccurate information from my file.

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 2025-08-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
In winter of XXXX, I asked for forbearance assistance ( was paying XXXX, company offer assistance to pay XXXX per months for 6 months ) Was unable to complete the 6 months. 
Contacted Fay Servicing about hardship situation due to me recovering from a XXXX, I received letter in XXXX of XXXX to reinstate my account by paying XXXX. I was unable to pay, proceeded to try and sell the property. I received offer but could not sell because all members on deed were not around. I requested loss mitigation assistance and was denied. I received a letter telling me to pay XXXX. I asked my sister to help, she agreed to pay the XXXX. I contacted my Acct. Manager and told her I wanted to pay. She told me that the amount was more, she would request a reinstatement letter. Instead i was put through loss mitigation. I received a denial letter in XXXX of XXXX. I called and spoke to Acct Mgr, she said i owe additional fees over XXXX, she would ask for reinstatement letter. I have been calling Fay Services XXXX, the Acct Manager no longer responds, and I am in foreclosure and close to court date. I call, email, and leave messages No one is telling what to pay. I feel the company wants to take my property. My property value is more than my balance i owe Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
My debit card was lost on XX/XX/year>. There were XXXX transactions that were debited from my account that were unauthorized that totaled {$1400.00}. I reported the claim as soon a I noticed the charges online. I looked online today and noticed that Wells Fargo has closed the claim and denied it on XX/XX/year>.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is unlawfully reporting a XXXX XXXX XXXX  ( XXXX ), XXXX. account on my credit report that is past the 7 Year reporting limit allowed under the Fair Credit Reporting Act ( FCRA ) -The Date of First Delinquency ( DOFD ) on this account, is XX/XX/XXXX. 
-Under 15 USC 1681c ( a ) ( 4 ), charged off account may not be reported more than 7 years from the DOFD.

-THis account should have been deleted no later than XX/XX/XXXX. 
AS of XX/XX/XXXX, XXXX continues to report it as a charged off derogatory account, in clear violation of federal law. 

I disputed this account with Transunion previously and specifically requested both 1 the results of their investiovationm and 2 a decryption of the procedure used, as required under 15 USC 1681i ( a ) ( 6 ) ( B ). Transunion failed to provide this inforamtion within the required timeline and continuities to report the account.

This ongoing reporting of obsolete information is causing me significant harm by lowering my credit standing and preventing access to fair credit opportunities.

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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I make additional payments to pay off promotional balance transfer amounts early, but they are applied to the later ending promotions instead of the soonest ending ones so you would wind up with a balance that results in interest charges at the end of the term. You can not get anywhere with customer service. They said they would send paperwork to have all payments applied to soonest ending balance transfer, but did not send it. When I attempted to contact by phone again, the wait time was 43 minutes for payment re-allocation. I want to pay my debt but without all of the additional interest. They try to cheat the consumer so you have to pay them additional money.

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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To whom this may concern, I have recently pulled my credit report and noticed that there are collection listings from different agencies. I have never been notified of these collections or that I owed the debt. This letter is to inform you that I have the right to request validation of this debt to collect money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt, or stop collection activity and remove it altogether.

According to 15 USC 1692 ( C ) my rights were violated by unlawful communication. Please remove this collection from my credit report. 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CFPB Complaint Template Subject : Complaint Regarding Inaccurate Credit Reporting by [ Creditor Name ] ( Acct. Ending XXXX ) Details of the Complaint : I am submitting this complaint because Citicards CBNA is furnishing inaccurate information to the credit reporting agencies regarding my account with my social security number ending in XXXX. The information being reported is factually incorrect and damaging to my credit profile. 
Specifically : The account is being reported with inaccurate balance/late payment/collection status ( choose whichever applies ). 


This information is not verifiable, not accurate, and not complete as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

I have already disputed this account with the credit reporting agencies, yet the furnisher continues to verify and report the account inaccurately.

Impact on Me : This false reporting has caused significant harm, including but not limited to : Denials of credit and financial opportunities. 


Increased interest rates on loans and credit products. 


Emotional distress and damage to my reputation. 


Legal Basis : Under the FCRA, furnishers have a legal duty to ensure that information provided to consumer reporting agencies is accurate and complete ( 607 ( b ) ). They also must reasonably investigate disputes ( 611 ) and correct or delete information that can not be verified. 
XXXX XXXX : I respectfully request that the CFPB investigate this matter and require [ XXXX XXXX ] to : Conduct a full and proper investigation into this account. 


Cease furnishing inaccurate information to the credit reporting agencies. 


Delete or correct the account so that it reflects only accurate and verifiable information.

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 2025-08-17 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I lived at XXXX XXXX XXXX in XXXX and my lease had been converted to month to month after the fixed term. I gave 30 day notice in XX/XX/XXXX, and my last day of tenancy was XX/XX/XXXX. I paid my final rent, hired a professional cleaning crew, and I have video evidence showing the unit was left in excellent condition. 

Under California Civil Code 1950.5, the landlord had 21 days from XX/XX/XXXX to send an itemized statement with receipts to my forwarding address ( which I provided ). I did not receive any itemized deductions or notice within that period. Instead, in XX/XX/XXXX I was first contacted by a collection agency claiming I owed approximately {$3000.00} for carpet, paint, and a window. 

I disputed the debt and requested validation. The company later produced an itemized list and some invoices but did not provide proof that the itemization was mailed within 21 days ( e.g., postmark, certified mail, tracking, or agreed upon timestamped email ). On their own form, my forwarding address was marked N/A, despite my having provided it. The documents also list only me, though another person was on the lease. Several charges appear inflated/unreasonable ( premium vendors, no justification ), and I have evidence the unit was in good condition at move out. 

Because there is no proof of timely mailing to my forwarding address and the charges are inflated/unsupported, I believe this is an attempt to collect a debt that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an amex gift card that I can not use anywhere. It has {$710.00} on it and I can not find a way to get my money. The only place it went through was a hotel but I do not plan on needing a hotel room anytime soon. I have tried it online, I have tried it through XXXX XXXX I have tried it in person and it keeps getting rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
I tried to transfer my money from cash app to my actual bank the XXXX XXXX XXXX XXXX and cash app said it was " suspicious '' and locked my account. They are holding my money hostage for the next 2 days until they feel like I can send MY money to MY real bank that respects my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I filed this complaint because opp loans ] had a system outage that prevented me from making my payment on time. I attempted to pay, but their system was unavailable, and I documented this issue. The company has failed to respond to my complaint through the CFPB system within the required time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion, XXXX - XX/XX/XXXX Equifax, XXXX XXXX  All XXXX  XX/XX/XXXX Experian 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion, XXXX - XX/XX/XXXX Equifax, XXXX XXXX  All XXXX  XX/XX/XXXX Experian 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation