vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am a victim of identity theft. these accounts do not belong to me nor have or had my authorization to be open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I noticed capital one did a hard inquiry on my account, however I had not applied for credit with them. 
XX/XX/XXXX and XX/XX/XXXX I received text message my credit card was on its way. 
XX/XX/XXXX I called captial one to ask about the accounts, I told them I didnt apply for a credit card with them and had no knowledge of the situation. They asked me to verify my address and name and I had conflicting information with what they had listed so they said I would have to contact the credit bureaus to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion consumer solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear transunion consumer solutions I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report 3. copy of identification I am requesting that you delete and remove the fraudulent account and any associated negative information as mandated by law. The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B.

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank
State: MN

Complaint narrative:
* * Description * * : * '' On [ XX/XX/year> ], I sent XXXX a written debt validation request via Certified Mail # [ XXXX ]. Despite FDCPA 809 requiring validation within 30 days, XXXX and XXXX XXXX failed to respond. They also continued illegal collection efforts ( calls/credit reporting ) without validation, violating FDCPA 807 ( 8 ) and FCRA 623. 

* * Demands * * : - Immediately delete the alleged debt ( XXXX XXXX account # XXXX ) from all credit bureaus. 
- Cease all collection activities. 
- Provide written confirmation of resolution. 

* * Enclosures * * : Copies of validation request, Certified Mail receipts, and XXXX non-response. " *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For the last year I have been able to view my credit report with TransUnion through XXXX XXXX XXXX  and also through the TransUnion website. I have reached out several times and I have gotten no help with this issue. It's my right to view and dispute all information the credit bureaus place in my credit file. I would like this fixed 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 non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Dear LVNV FUNDING / Resurgent Capital Services Legal Department : Cfpb : I am submitting this formal complaint regarding two fraudulent and unauthorized collection accounts being reported on my credit file by LVNV Funding LLC / Resurgent Capital Services. These accounts are : XXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX Alleged Balance : {$780.00} XXXXXXXX XXXX Account XXXX XXXXXXXX Alleged Balance : {$740.00} I have never had any contractual or financial relationship with LVNV Funding or Resurgent Capital Services. I have never opened accounts with XXXX XXXX XXXX XXXX or XXXX XXXX. Furthermore, I have contacted both original creditors directly, and each has confirmed they have no record of any account in my name. This alone is sufficient to disqualify LVNVs standing to report these accounts as valid debts.

Despite my multiple formal requests for validation under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), LVNV has failed to produce any legally sufficient evidence of a valid debt or signed agreement. Instead, they repeatedly send generic, pre-printed template letters that do not meet the legal standard for debt validation under federal law.

Additionally, I submitted a valid Identity Theft Affidavit, as allowed under 15 U.S.C. 1681g ( e ) and 1681c-2 of the Fair Credit Reporting Act ( FCRA ), requesting a block of this information. LVNVs continued collection efforts and re-reporting constitute : Violations of Law : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits reporting information known to be inaccurate.

15 U.S.C. 1681c-2 ( a ) Requires blocking fraudulent information within 4 business days of receiving proper documentation of identity theft.

15 U.S.C. 1681i ( a ) Requires a reasonable reinvestigation of any disputed information.

15 U.S.C. 1692g ( b ) Requires debt collectors to cease collection efforts until validation is provided after a dispute. 

Relevant Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : A collector must provide real, itemized evidence of the debt, not boilerplate responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Template letters are insufficient to meet debt validation standards. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Cease and desist letters require cessation of all further contact unless for legal notification purposes.

Despite sending these notices, LVNV/Resurgent continues to report these accounts to credit bureaus without legal basis, and their actions
rise to the level of willful noncompliance, triggering liability under 15 U.S.C. 1681n and 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: MN

Complaint narrative:
* * Description * * : * '' On [ XX/XX/year> ], I sent TrueAccord a written debt validation request via Certified Mail # [ XXXX ]. Despite FDCPA XXXX requiring validation within 30 days, TrueAccord and XXXX XXXX failed to respond. They also continued illegal collection efforts ( calls/credit reporting ) without validation, violating FDCPA 807 ( 8 ) and FCRA 623. 

* * Demands * * : - Immediately delete the alleged debt ( XXXX XXXX account # XXXX ) from all credit bureaus. 
- Cease all collection activities. 
- Provide written confirmation of resolution. 

* * Enclosures * * : Copies of validation request, Certified Mail receipts, and TrueAccords non-response. " *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Unauthorized inquiries continue to appear on my credit report despite my previous complaint and a representatives promise to remove them. These unapproved accesses are damaging my credit and may indicate identity theft. This is a serious issue thats causing personal distress and financial harm, and it needs to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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 requested that the credit bureau investigate a disputed collection account reported by a debt collector XXXX. I specifically asked for documentation showing that I agreed to or accepted liability for this debt such as a signed agreement to accept any debt obligation. 

The debt collector has not provided any evidence, and I never signed anything or received documentation that proves I owe this debt. Despite this, the credit bureau closed the dispute without correcting or removing the inaccurate negative remark.

I am requesting transparency on how the bureau conducted its investigation, what steps were taken, and why the account remains on my report despite the absence of any verifiable documentation. I believe this violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. 

I respectfully request that the CFPB review this matter and compel the credit bureau to either provide the evidence used to validate the account or remove the unverifiable collection from 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 2025-05-24 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: RI

Complaint narrative:
Dear CFPB, I am formally disputing a {$570.00} charge-off account reported by XXXX XXXXXXXX, listed under account number XXXX, opened on XX/XX/XXXX, and currently marked as under dispute. Despite my prior requests for investigation and documentation, XXXX XXXX has continued to furnish this negative information to the credit bureaus without providing proper validation. 

Whats wrong : XXXX XXXX has failed to provide any of the following : A signed agreement or application establishing a valid contractual relationship ; A complete itemized account ledger substantiating the balance ; Notice of acceleration or charge-off, as required under 15 U.S.C. 1681m ( a ) ; Proof that their reporting is accurate and not misleading, as required under 15 U.S.C. 1681e ( b ) ; Any indication of a reasonable reinvestigation, violating 1681i ( a ). 

Moreover, XXXX XXXX has continued to update this charge-off monthly even while under dispute which gives the appearance of ongoing delinquency and artificially inflates derogatory impact on my credit profile. This is a known tactic referred to as re-aging and is unlawful under FCRA 1681i ( a ) ( 5 ).

Recycled Statements Legal Validation : In response to prior requests, XXXX XXXXXXXX provided only old billing statements or archived PDFs. However, as established in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), furnishing copies of old statements or summaries does not satisfy legal requirements for validation. A creditor must provide substantive evidence of liability not internal summaries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), courts have confirmed that generic documents do not meet the standard of verification or reasonable investigation under FCRA and FDCPA. 

Continued Reporting = Willful Violation : XXXX XXXX ongoing derogatory updates while failing to validate the account violate : FCRA 1681e ( b ) : Failure to ensure accuracy ; FCRA 1681s-2 ( b ) : Failure to properly investigate and correct disputed data ; FCRA 1681i ( a ) : Failure to reinvestigate ; FCRA 1681n and 1681o : Willful and negligent noncompliance ; FDCPA 1692e ( 8 ) : Continued furnishing of disputed debt as factually accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I ordered a XXXX XXXX  from Best Buy online. The item was shipped to a XXXX pick up location damaged. I picked it up yesterday, spoke to customer service this morning and was told to come to the Best Buy XXXXXXXX XXXX Location to exchange the damaged laptop. I get to the location they dont have another XXXX XXXX  XXXX  for me to exchange. I ask for a manager it's been over an hour and a half of waiting no manager will come to speak to me. When the manager finally came he told me they will not accept the damaged laptop nor issue me a return on my credit card. They want me to leave the store and ship it back. I told them that's not was i was told and don't feel comfortable leaving with a damaged {$2800.00} laptop hoping they will get it and take the balance of my credit card if I'm inside of the store and they won't accept a return.

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 2025-05-24 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: LA

Complaint narrative:
DETAILS OF VIOLATION : I have previously submitted notice that the XXXX XXXX XXXX entry is the result of fraud or unauthorized activity and demanded an investigation. Despite legal obligation under FCRA 611 and 1681c-2, this account remains on file without proper verification, sworn affidavit, or chain of title to the alleged debt. This is a direct violation of federal law and constitutes : Willful negligence Deceptive reporting Participation in continued harm through inaccurate credit data Furthermore, XXXX XXXX XXXX is not the original creditor, and as such is required to validate the chain of assignment and legal ownership under 15 USC 1692g ( b ). To date, no such validation has been received.

YOU ARE HEREBY DEMANDED TO : Immediately BLOCK and DELETE this account from all three credit reports ( Experian, TransUnion, Equifax ) within XXXX business days. 

Cease and desist from further reporting, reinserting, or updating this account. 

Provide written confirmation of removal. 

Failure to comply will result in : Immediate filing of a lawsuit in XXXX XXXX XXXX for : Willful noncompliance under 15 USC 1681n Negligent noncompliance under 15 USC 1681o Violations of 15 USC 1692e, f, and g Actual, statutory, and punitive damages, including legal fees Filing complaints with : Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office Federal Trade Commission ( FTC )

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 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Client services continues to contact me through text message and email as well as phone calls and voicemails up to 10 or more attempts a day.

I have informed the company that the debt is not mine, that I will not be paying the debt that is not mine, and to stop contacting me, but they continue to do so in excess. 
I have requested official documentation of the original complainant ( their client ) and the quantity. They have verbally informed me the original amount of the debt is {$500.00} but they are attempting to collect nearly $ XXXX. 
They have not provided the written verification that Ive requested.

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 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This company is breaking the law by failing to provide proper validation as required under the XXXX USC XXXX. Despite this, they have added a collection to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NC

Complaint narrative:
RE : IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT FCRA 605B VIOLATION This letter serves as a formal complaint regarding your negligent and unlawful reporting of fraudulent accounts on my credit profile. I am appalled at your continued failure to comply with federal mandates outlined under FCRA 15 U.S. Code 1681c-2 ( Section 605B ), especially given the documentation Ive already provided, including a valid FTC Identity Theft Report.

Your failure to remove these accounts, despite proper notice, is a gross violation of the Fair Credit Reporting Act and a deliberate obstruction of my rights as a consumer. 

I am demanding immediate deletion of the following fraudulent accounts that are currently and unlawfully damaging my credit standing : XXXX. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} This account was never opened or authorized by me. Reporting such an account without a signature-bearing application or verifiable documentation is a clear violation of FCRA 605B and 623 ( a ) ( 1 ) ( A ). Inconsistent reporting across bureaus, including varying dates of last activity and incorrect high credit limits, further illustrates inaccurate and incomplete data. 


XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX have never held any relationship with XXXX XXXX XXXX. This account was fraudulently opened in my name and continues to be published despite my identity theft filing. Your refusal to block this tradeline under FCRA 605B is in direct violation of federal law. 


You have already been served with the FTC Identity Theft Report and proper identification documentation. You are hereby on final notice. If these accounts are not permanently removed from my report within the federally mandated time frame, I will proceed with : Formal legal action under FCRA 1681n and 1681o Complaints filed with the Consumer Financial Protection Bureau, State Attorney General, and Federal Trade Commission Small claims court proceedings to seek statutory and punitive damages You are to cease and desist any further reporting of these fraudulent accounts 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 2025-05-24 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: NC

Complaint narrative:
RE : IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT FCRA 605B VIOLATION This letter serves as a formal complaint regarding your negligent and unlawful reporting of fraudulent accounts on my credit profile. I am appalled at your continued failure to comply with federal mandates outlined under FCRA 15 U.S. Code 1681c-2 ( Section 605B ), especially given the documentation Ive already provided, including a valid FTC Identity Theft Report.

Your failure to remove these accounts, despite proper notice, is a gross violation of the Fair Credit Reporting Act and a deliberate obstruction of my rights as a consumer. 

I am demanding immediate deletion of the following fraudulent accounts that are currently and unlawfully damaging my credit standing : XXXX. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} This account was never opened or authorized by me. Reporting such an account without a signature-bearing application or verifiable documentation is a clear violation of FCRA 605B and 623 ( a ) ( 1 ) ( A ). Inconsistent reporting across bureaus, including varying dates of last activity and incorrect high credit limits, further illustrates inaccurate and incomplete data. 


XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX have never held any relationship with XXXX XXXX XXXX. This account was fraudulently opened in my name and continues to be published despite my identity theft filing. Your refusal to block this tradeline under FCRA 605B is in direct violation of federal law. 


You have already been served with the FTC Identity Theft Report and proper identification documentation. You are hereby on final notice. If these accounts are not permanently removed from my report within the federally mandated time frame, I will proceed with : Formal legal action under FCRA 1681n and 1681o Complaints filed with the Consumer Financial Protection Bureau, State Attorney General, and Federal Trade Commission Small claims court proceedings to seek statutory and punitive damages You are to cease and desist any further reporting of these fraudulent accounts 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 non-monetary relief
Consumer complaint received 2025-05-24 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief