vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX DOB : XX/XX/XXXXXXXX  Date : XX/XX/XXXX TO : LVNV Funding LLC XXXX XXXX XXXXXXXX XXXX, SC XXXX RE : Final Demand for Immediate Deletion Account # XXXX {$410.00} Collection To Whom It May Concern, This letter serves as a final legal demand under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i. 

I previously requested full and complete validation of the following accounts : LVNV Funding Account # XXXX {$410.00} Collection LVNVFUNDG Account # XXXX {$410.00} Collection To date, you have failed to provide the legally required documentation. This includesbut is not limited tothe original signed contract, complete billing history, and proof of ownership of the alleged debt. 

Let me be clear : Your failure to comply with my previous validation request is a direct violation of federal law. You are continuing to report this unverifiable debt to consumer reporting agencies without proper legal documentation, which constitutes continued harm to my credit profile and willful noncompliance under the law. 

Therefore, I am once again demanding the immediate production of the following : A copy of the original signed contract ( with my wet signature ) A complete billing and payment history of the alleged account A flow sheet outlining the full chain of assignment from the original creditor to your company A binding purchase agreement or contract of sale showing legal ownership Proof of active debt collection licensing in the state of Illinois If you are unable or unwilling to provide these documents, you must : Immediately delete all versions of this account from XXXX, XXXX, and XXXX  Cease all collection and reporting activity Failure to comply within 15 calendar days from the date above will result in the following : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A grievance filed with the Illinois Attorney Generals Office Civil litigation seeking maximum statutory and actual damages This is your FINAL NOTICE. Continuing to report this account without providing the legally required validation documentsafter being requestedwill be interpreted as a willful violation of federal consumer protection laws. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Im writing because I recently looked at my credit report, and I noticed a bunch of things that I think are hurting my score way too much. Im a young adult just starting out, and I feel like some of this stuff is really unfair or too harsh for my situation.

theres an account from Ally Financial that says it was repossessed and charged off. That car situation was really stressful and I tried my best to keep up, but life got hard and I didnt have help. Then theres a XXXX XXXX that also shows as charged off. Again, I had no way to pay it back after some emergencies, and I didnt even know it would hurt this bad. Theres also a XXXX XXXXXXXX card that says it was 30 days past due, and I swear I thought I paid it on time. Also, there are so many hard inquiries on my file from all kinds of places like car dealerships and banks even some I dont fully remember agreeing to. These were mostly from the same week, and I was just trying to get approved for XXXX thing. I didnt know it would mess up my credit this much. Please understand Im trying to get my credit back on track and Im asking if you can look into these and remove or fix whats possible. Id really appreciate it

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 2025-07-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: CA

Complaint narrative:
On XX/XX/year>2025 I was trying to use my way to go card which I get my child support on and I couldn't use it so I called the number on the back of the card and they had told me that my account was locked so I told him okay how do I get it unlocked they said well can you send in your driver 's license or ID through this email so that we can verify you so I sent it about 2 days later they told me okay well your verification was tonight can you send it again so I sent it again I've been doing this for 3 weeks straight every time that I had sent it in they kept on saying that it was denied so then they told me if I can send in my birth certificate and my social security which I did then when I sent you my birth certificate and my social security I get an email saying that my ID verification has been approved at the same time I finally got my replace card cuz I had to get a replacement so they sent me the replace card I called the number in the back and to tell him that I have an email saying that it was approved then they told me know that it was denied again but I have the email to prove that it said that my verification was approved they keep on giving me the runaround and I just want to get my money out of that account because I am going to close that account so that I can put it in my other bank account because they just keep playing games with me and I'm tired of it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: AZ

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

phone number- XXXX address : XXXX XXXX XXXX XXXX XXXX AZ XXXX Thank you for your 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 2025-07-19 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: ID Analytics, Inc.
State: AZ

Complaint narrative:
b'I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.\n\nI would like to confirm that I have lived at my current address for the past XXXX  years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.\n\nPHONE NUMBER: XXXX XXXX XXXX AZ XXXX\n\n\nThank you for your attention to this matter.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
A XXXX XXXX Credit Card or XXXX was reported on all three credit bureaus. I was notified on XX/XX/year>. The current balance is {$730.00}. I have all three bureaus on my phone via app. I have disputed the account on all three apps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: DE

Complaint narrative:
I didn't authorize this account. Please remove hard inquiries off my credit report.

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 2025-07-19 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: GA

Complaint narrative:
I am filing this identity theft and accuracy dispute againsXXXX XXXX XXXX XXXX ( Account XXXX. XXXX, XXXX : {$4600.00} ) regarding a fraudulent debt they claim I owe. XXXX has made false and misleading statements, including the assertion that a civil judgment has been obtained against me. In a letter dated XX/XX/year>, XXXX explicitly references a judgment tied to this account. This claim is categorically false and damaging to my credit and reputation. 

To support this dispute, I am submitting my complete XXXX Full XXXX XXXX dated XX/XX/year>, which includes public records reporting from state and federal court systems. This report contains no record of any judgment in my name related to XXXX XXXX XXXX or any related party. If a valid judgment existed, it would appear in the XXXX file, which it does not. 

This demand is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 1681c-2 ( c ), which requires that all identity theft-related information be blocked and removed within four ( 4 ) business days of receiving a valid identity theft report and supporting documentation.

This false claim of a judgment violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy.

FCRA 1681i ( a ) ( 5 ) ( A ) Refusal to delete unverifiable or misleading data.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Prohibition against furnishing false or inaccurate information. 

This is not a frivolous or duplicate dispute. I have submitted a valid FTC Identity Theft Report ( Ref. No. XXXX ), along with my government-issued ID and proof of address. I did not open, authorize, or benefit from the XXXX account. The allegation of a judgment is a baseless fabrication, and the balance itself is disputed as the result of identity theft. 

I am demanding the following : Permanent deletion of this fraudulent account from all consumer reporting agencies, including Equifax, Experian, and TransUnion. 

Written confirmation that no civil judgment exists and that XXXX will cease all references to such claims in the future. 

That XXXX immediately block this account under FCRA 1681c-2 ( c ) and stop all collection activity. 

If not resolved, I will escalate to the CFPB XXXX XXXX, FTC, and IRS, and will pursue legal remedies under FCRA 1681n and 1681o for willful and negligent violations of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have never had a XXXX account that Jefferson Capital claims that owe {$510.00}. I have disputed this in XXXX and XXXX. Won the dispute both times. They are predators and I am tired of having them repeatedly show up on my credit, especially after disputing them twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: HI

Complaint narrative:
I am writing to dispute an inaccurate and potentially fraudulent account currently listed on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ) and Section 605B ( 15 U.S.C. 1681c-2 ).

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 2025-07-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This is a formal follow-up and escalation to my original CFPB complaint : # XXXX, which was filed earlier this year regarding false credit reporting by Equifax and XXXX XXXX XXXX XXXX XXXX 
On XX/XX/year>, XXXX XXXX responded to that complaint, and the account in question was deleted from my credit file as confirmed by both Equifax and XXXX XXXX. On XX/XX/year>, I received written confirmation from Equifax ( Dispute Confirmation # XXXX ) stating that the XXXX XXXX  tradeline had been removed following their investigation. 

However, as of XX/XX/year>, I was notified that Equifax completed a new dispute I had opened, and I was shocked to see that the same account has been reinserted into my credit report this time with an even more damaging and factually false status : Redeem or reinstated repossession. 

This is absolutely untrue. There was no repossession. In fact, a prior lien release was acknowledged by thXXXX XXXX XXXX XXXXXXXX, and I was able to transfer full title into trust, proving the alleged obligation had been satisfied. There is no legal or factual basis for this tradeline to be reinserted, let alone with such a false derogatory remark. 

Furthermore : I was never notified in writing within XXXX business days of reinsertion, as required under FCRA XXXX ( a ) ( XXXX ) ( B ). 

XXXX XXXX and Equifax are in violation of FCRA 623 ( 15 U.S.C. 1681s-2 ), which prohibits reporting information known to be inaccurate.

This also potentially violates UCC 3-603 ( b ), as the alleged obligation was lawfully discharged.

The reinsertion contradicts the outcome of the original dispute and the CFPB complaint resolution from earlier this year.

I request that the Consumer Financial Protection Bureau intervene again to : Require immediate removal of the reinserted XXXX XXXX  tradeline from Equifax. 

- Investigate Equifax 's failure to follow FCRA procedures for reinsertion and notification. 

- XXXX Navy Federal accountable for knowingly furnishing false credit information.

- Issue any necessary corrective measures to ensure this account is not re-reported in the future. 

This pattern of re-reporting previously deleted data especially with new derogatory falsehoods is not only unlawful but appears retaliatory, defamatory, and financially damaging. 
I am preparing additional legal action and state-level complaints if this is not immediately resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
Hello, I received a promotional offer from PenFed dated XX/XX/year>, addressed to " XXXX XXXX '' but sent to my physical home address. I do not share this address with anyone named XXXX XXXX, nor have I ever had any joint accounts with anyone by that name. On XX/XX/XXXX, I called PenFed and spoke with a representative named XXXX to confirm whether the offer was valid for me with code XXXX, given that it contained my personal address but an incorrect name. He assured me that this was not an issue and confirmed that the promotion code I provided was active and valid. Based on that, I proceeded to open the account, met all the requirements outlined in the offer, and maintained the account for the required period. However, once the promotional period ended and I was due to receive the {$620.00} bonus, PenFed denied the promotion, stating that it was intended for someone elseallegedly another XXXX XXXX. I appealed the decision and offered to provide my birth certificate to prove my identity and the error, but my claim was still rejected. It is important to note that no one named XXXX XXXX resides at either my parents ' address or my own address in XXXX XXXX. 

More recently, I received yet another promotion from PenFedthis time offering a {$750.00} bonussent again to my physical address, but with the name " XXXX XXXX, '' which is incorrect. My name is XXXX XXXX. This consistent pattern of sending promotional offers to my address under inaccurate names strongly suggests either a systemic internal error or a potential breach of information. 

Over the past week, I have made repeated requests for documentation related to when I opened the account under the original promotional offer. I spoke with XXXX and twice with XXXX to verify the account information and requested documentation. Although they assured me the documents would be sent, I instead received an email asking me to fill out new formsdespite the fact that PenFed should already have that information on file. To date, they have failed to provide the XXXX, the XXXX XXXX, the Privacy Notice, or the original account agreement I requested. 

At this point, I am considering this not just a personal matter but a broader issue of concern. I intend to formally file a complaint, as this appears to be a recurring and misleading practice by PenFed : sending out promotional offers under incorrect names, encouraging individuals to deposit funds, and later denying the promised bonuses on the grounds that the offer was not intended for the actual account holder. This behavior raises serious ethical and potentially legal concerns.

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 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AK

Complaint narrative:
I requested they look for my payment because the money was taken out of my account and not returned but they still wont close it. Im. Sick. Of. It. For 3 years its been paid and they still have my credit by the balls.

LVNV Funding LLC.

Ive tried to dispute a lot of times and lately XXXX XXXX XXXXust goes something went wrong everytime I try to hit the dispute button. XXXX XXXX has their own issues too but this is basically theft by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute of Inaccurate and Potentially Unverifiable Information XXXXImmediate Deletion Requested\nDear  Dispute Department,\nI am writing to formally dispute inaccurate and potentially unverifiable information on my\nTransUnion credit report as allowed under the Fair Credit Reporting Act (FCRA), 15\nU.S.C. 1681(a). The following account, which appears on my credit report, contains\nincomplete, inconsistent, or outdated information, and I am demanding an immediate\ninvestigation and removal if the data cannot be fully verified with original documentation.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Balance: $0.00XXXX High Credit & Limit: $0.00XXXX Monthly Payment: $0.00\n Last Active: XXXX Status: Terminated XXXX XXXX Conflicts with XXXX  Reporting "Open" A Dispute Basis and Legal ViolationsXXXX1. Inconsistent Reporting Across BureausXXXXThis account is reported as "Terminated" and "Closed" by XXXX but appears asXXXXOpen" with XXXX as of the same reporting date XXXX This is a clear violation\nof FCRA  1681e(b), which requires data furnishers and CRAs to ensure maximum\npossible accuracy.XXXX Incomplete Information / $0 Balances with Missing DataXXXXHigh credit, credit limit, payment history, and date of last payment are missing orXXXXincomplete, making this account unverifiable and non-compliant with FCRA reporting\nstandards. If this account cannot be fully verified using original source documentation\nwithin 30 days, it must be permanently deleted per FCRA $1681(a) (5) (A).XXXX3. Inactive and Outdated Account:XXXXWith no balance, no monthly payments, and no activity since XXXX this account\nprovides no predictive value to lenders and negatively affects my score due to its\n"terminated" status. If not fully verifiable, it must be removed as outdated or\nunreportable under FCRA $1681c(a) (4).XXXXDemand for Action:XXXXPursuant to the FCRA, I demand that XXXX Immediately investigate this account and verify each data point with the original\ncreditorXXXX If unverifiable or incorrect, permanently delete the account from my credit fileXXXX Provide a written response with the results of your investigation within 30 days.XXXX Send me an updated copy of my credit report reflecting the corrected information.XXXXPlease note, I am fully aware of my rights under federal law, and I will escalate this\nmatter to the Consumer Financial Protection Bureau (CFPB) and state attorney general\nif this issue is not resolved appropriatelyXXXXThank you for your prompt attention to this legal requestXXXXSincerelyXXXX XXXX XXXX XXXX XXXXEnclosures: Copy of my ID, proof of address.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
On XX/XX/year>, Pennymac offered me a Veterans Administration 40-Year Modification with no trail that will bring my loan current and allow me to resume making my monthly payments. I was approved for a loan modification. However, Pennymac did not report that my mortgage was current to the credit bureau. My mortgage is showing as delinquent, with 120 days late on my credit report. I have been making my payment on time, and my mortgage statements for XXXX, XXXX, and XXXX are showing {$0.00} Overdue Payment. Back in XXXX, I filed a CFPB complaint against Pennymac for not reporting my XX/XX/year> payment. They responded by correcting the XXXX payment. However, now it is XX/XX/year>, and they still have not reported the XX/XX/year> payment. Does that mean I will have to file a CFPB complaint every month so that Pennymac will report my payment on time, like they should be doing from the beginning? If that is the case, then this is no longer an error but discrimination against a veteran, as it takes time to file complaints.

Company response to consumer: Closed with explanation