vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX XXXX Re : Complaint Against LVNV Funding LLC for FDCPA and FCRA Violations Dear CFPB Representative, I am filing this formal complaint against LVNV Funding LLC ( XXXX XXXX XXXX XXXX XXXX  XXXX ) for failing to comply with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ). 

On XXXX XXXX XXXX, I sent LVNV Funding LLC a written request for debt validation regarding an alleged debt ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), pursuant to my rights under 15 U.S.C. 1692g. The letter was sent via Certified Mail with Return Receipt and received by them according to USPS records. 

As of today, more than 30 days have passed, and LVNV Funding has failed to : 1. Provide the required validation and documentation of the alleged debt.

2. Cease collection efforts and/or credit reporting of the alleged debt while under dispute.

3. Mark the account as disputed with the credit bureaus, as required by 15 U.S.C. 1681s-2 ( a ) ( 3 ) under the FCRA. 

Their failure to respond to my lawful request is a direct violation of the FDCPA, and their continued reporting or collection activity without validation may also violate the FCRA.

I request that the CFPB investigate this matter and take appropriate enforcement action against LVNV Funding LLC for violating federal consumer protection laws. Additionally, I request that the CFPB assist in having this unvalidated debt removed from my credit reports and ensure that all collection activities cease immediately.

Attached Documents : Copy of my original debt validation letter Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have no knowledge of this account. There are 2 alleged collection accounts on my credit reports, XXXX, XXXX, and XXXX. XXXX XXXX XXXX and Midland cred. I am unaware of either debt and want to dispute these collection accounts. I contacted both the debt collectors and all three credit bureaus and have not gotten a response from no one. I also sent in another dispute today as a result of not hearing back the first time. I am now escalating the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
FDCPA Violation On XX/XX/year>, I received a letter by Portfolio Recovery Associates claiming they had received authorization by me on XX/XX/year> that they could transfer money from a bank account that was not mine, for {$35.00}. I do not have an account with XXXX XXXX XXXX. 
Portfolio has no court order or a judgement, nor do they have my explicit consent to seize money from a bank account for any debt from me, they have falsely listed a bank account that is not mine and falsely stated I gave an authorization to withdraw any money for a debt. I never heard of XXXX XXXX XXXX. 
This is a form of harassment and deception, which the FDCPA prohibits. I will report this to the FTC and the Attorney Generals Office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-10 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:
I am submitting this follow-up complaint against Experian regarding an account from XXXX XXXX XXXX ( Account # XXXX ) that continues to be inaccurately reported on my credit file, despite multiple disputes, legal letters, and prior complaints. 

Ongoing FCRA Violations : Experian has reported the account as both charged-off and discharged in XXXX  XXXX bankruptcy, which is materially misleading and a direct violation of FCRA 607 ( b ) and Metro 2 guidelines. 

The account was marked as charged off only 60 days after opening, without a valid pattern of late paymentsviolating charge-off protocols and FCRA 611.

Dispute results from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, show XXXXhree conflicting versions of this same account : charged-off, paid/closed, and included in bankruptcy, proving the data is unverifiable. 

I submitted a formal dispute letter on XX/XX/year>, requesting reinvestigation and deletion. Experian failed to provide the method of verification or any supporting documentation, violating FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

Regulatory Complaints Filed : Texas Attorney General Complaint # : XXXX CFPB Initial Complaint # : XXXX I am requesting that the CFPB : Enforce Experians obligations under FCRA 611 ( a ) ( 5 ) to delete this unverifiable account Investigate Experian for repeated noncompliance and failure to investigate in good faith Order removal of XXXX XXXX XXXX  account from my report and confirm the result in writing

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 2025-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I was unaware that my autopay failed and Selene cancelled my autopay. As a result, I was hit with an exceptionally high interest rate that is more than double the contract rate. Now they are trying to make me pay attorney and other junks fees. 

The company claims that they reached out to me, however I have no phone records or voicemails of such. They also did not send notices to the correct address, as I have not received any physical foreclosure notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

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 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  my great grandfather, XXXX XXXX XXXX, endorsed a check from XXXX XXXX XXXX to me, XXXX XXXX XXXX XXXX  Together, we went to Chase Bank (branch located in XXXX XXXX) where he signed the check and entered it to my account. Several weeks later Chase informed me that a verification would need to be done and that my great grandfather would receive a call to his U.S phone (only registered to him) to verify that he did indeed signed the check and endorsed it to me. Since then months have passed, he took out 2 different lines from XXXX and XXXX XXXX and still Chase says to him that they are not in his name according to their verifying platform, we even traveled to Chase branches with his personal banker but unfortunately his hands were tied since the fraud and verification department couldn't do anything. XXXX XXXX XXXX  cannot cancel the check since the funds were already taken and Chase wont release them because of their system. My great grandfather and myself are XXXX  Nationals and unfortunately he struggles to travel because of his age, we are hoping you can help us get his money backXXXXBelow is any information necessaryXXXX XXXX XXXX XXXXAmount from the check: XXXXComing fromXXXX XXXX XXXX XXXXAccount Number in XXXX XXXX XXXX XXXXCase Number in XXXX XXXXEntering: Chase Bank\nAccount Number in Chase: XXXX (now closed)"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} INQUIRIES : XXXXXXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
Please assist me in launching an investigation into these accounts, which appear to be inaccurately reflected on my credit report. Under USC 1681g, I am requesting their removal within 15 days. All supporting documents have been provided for your consideration. It is also important to note that the information reported varies between bureaus and is not 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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : MAS FINANCIA - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} INQUIRIES : XXXX  XXXX  Date : 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 2025-07-10 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: FL

Complaint narrative:
Dear XXXX XXXX  I am writing regarding the account listed below, which has been reported as a charge-off on my credit report : Creditor Name : XXXX XXXX Account Number : XXXX Original Amount : XXXX Date of Charge-Off : XX/XX/year> I respectfully request the following : Verification of the debt under the Fair Debt Collection Practices Act ( FDCPA ), including : A full accounting of the alleged debt Proof of ownership and legal right to collect The date of last payment and charge-off date Clarification on the charge-off status, including : Whether the debt has been sold or assigned to a third-party collection agency The name and contact details of the current owner of the debt If the account is valid and you are the rightful owner, I am interested in resolving this matter. I would like to negotiate a possible settlement or payment arrangement. Please provide written confirmation if you are open to a Pay for Delete arrangementremoval of the charge-off entry from all credit bureaus upon full or partial payment. 

Please respond to this letter in writing within 30 days. During this time, I request that all collection activity be paused while the debt is being verified. 

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 non-monetary relief
Consumer complaint received 2025-07-10 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: NV

Complaint narrative:
I want to make sure that my rights under FCRA Section 605B ( 15 U.S.C. & 1681c-2 ) are upheld. Individuals affected by identity theft have the right to request the removal of any inaccurate information from their credit reports. This regulation requires credit reporting agencies to swiftly eliminate any information stemming from identity theft once they receive notification. Kindly confirm that the deletion will be completed within five business days. I strongly advise you to act promptly to guarantee that these safeguards are fully implemented. Ignoring these regulations compromises the credibility of the credit reporting system and adversely affects individuals facing circumstances such my own. I am confident that this matter will be addressed swiftly to protect my rights as stipulated by the FCRA.

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 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX violated state and federal laws by extending credit to a person under age. When I contacted them about it they failed to respond and in turn sold the bad debt to Midland Credit Managment. Please see the two attachments below, I have uploaded the most recent communication to both XXXX and Midland so they can not play the " WE DIDN'T RECEIVE YOUR COMMUNICATION '' game.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-10 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:
I am writing to formally dispute inaccurate and incomplete information reported on my credit file regarding an account with XXXX XXXX XXXX XXXX. The details on my credit report contain discrepancies that I believe are incorrect and do not reflect the actual status or payment activity on the account. 

Acct # : 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information reported on my credit file regarding an account with XXXX XXXX XXXX XXXX. The details on my credit report contain discrepancies that I believe are incorrect and do not reflect the actual status or payment activity on the account. 

Acct # : 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