vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding LLC. Increased my credit debt from XXXX $ original debt to XXXX $ and after my dispute on the XXXX they charged my balance to XXXX $ after I disputed it was the wrong amount. The debt is from 8 years and 4 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: NV

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern : I am writing to formally dispute inaccurate information on my TransUnion credit file. I was a victim of the TransUnion data breach, and I believe the following items are fraudulent or reported in error. Under the Fair Credit Reporting Act ( FCRA ), I request an investigation and removal or correction of these items. 

Accounts to Dispute : 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 XXXX XXXX XXXX  These accounts are not mine or are inaccurate. Please verify each with the furnishers listed above and provide documentation supporting their validity. If you can not verify, please delete them from my credit report. 

Addresses to Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX These addresses are incorrect and should not be associated with my credit file. Please remove them. 

Attached are copies of my identification and proof of my current address to assist in verifying my identity. 

Please complete your investigation within 30 days, as required by the FCRA, and provide me with an updated copy of my credit report once the disputed items have been addressed. 

Thank you for your prompt 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 2025-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to you today to dispute the inaccurate reporting of child support on my credit file. The information being shown is not accurate and is the result of mistakes made by the Child Support Enforcement Office. These errors have placed an unfair and damaging mark on my record, and I am requesting that it be deleted in full. 

I have consistently made my child support payments directly to my childs mother. Proof of these payments exists, yet due to delays and failures in recording by the child support office, my account was incorrectly reported as delinquent. Their error not only led to my credit report being marked with a negative entry, but it also resulted in my tax returns being wrongfully intercepted by the IRS. This situation has caused unnecessary financial and personal harm despite my commitment to meeting my obligations. 

The Fair Credit Reporting Act gives me the right to have inaccurate information removed from my file. I am requesting that the delinquency entry be permanently deleted from my report so that it no longer misrepresents my history or damages my credit standing. 

I ask that you complete your reinvestigation within the required 30 days and provide me with written confirmation that the inaccurate entry has been deleted. Once it has been removed, I also ask that you reissue my updated credit file to any lenders or entities who recently accessed it so that the harm caused by this error can begin to be repaired. 

Thank you for your prompt attention to this matter. I trust that once reviewed, it will be clear that this reporting should not remain on my record. 

Attached is a statement of payments that wasn't reported. My child 's mother closed the child support account because the office was always behind in reporting but it's still a negative account and I want it removed. page 3 of the PDF shows a lump payment that wasn't documented. 

Sincerely, 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 2025-09-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX Acct # XXXX They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614. 
This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 
I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

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 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I opened a Capital One XXXX XXXX XXXX credit card on XX/XX/year>. Immediately after opening, I received a letter on XX/XX/XXXX saying my account was restricted until I submitted documents to verify my identity. I promptly uploaded the required documents online, and my account was unrestricted. I have been actively using the card ever since, spending over {$50000.00} without issue. 

In XX/XX/year>, Capital One claims to have sent me a letter requesting additional information, stating that if I did not respond my account would be closed. I never received this letter, despite receiving all other Capital One mail at my address. The letter was also not posted in my Capital One online account under Statements & Documents, unlike the earlier restriction notice in XXXX, which shows this was likely an internal error on Capital Ones side. 

Because I never received this letter, my account was closed by Capital One without my knowledge. I called Capital One on Tuesday, XX/XX/year>, and was told my account was permanently closed. They could not prove the letter had been sent, nor could they provide any clear explanation for the closure. When I escalated to a supervisor, I received the exact same response no explanation, no proof of notice, and no ability to reopen the account. 

This has caused me multiple issues : Locked funds : I had refunds from XXXX totaling {$3500.00} processed into the closed account. Capital One told me these funds would be held until the account had three months of inactivity, at which point they would mail me a check. Until then, my money is inaccessible. 

Points loss : My accumulated rewards balance ( worth {$1100.00} ) was refunded as cash instead of points. I specifically chose this card because I value points transfers to airlines, not cash-back. Being forced into a cash refund devalues my rewards and defeats the purpose of having the card. 

Annual fee issue : I paid the {$390.00} annual fee when I opened the account. Since the account was closed by Capital One without proper notice and through no fault of my own, I believe I am due at least a prorated refund of this fee ( approximately {$390.00} ). 

I also have a Capitol One XXXX XXXX personal card, which has been open over the same period and has had no issueswhatsoever and is still open, further pointing to likely errors on their part. 

Capital Ones actions failing to provide notice, closing an active account in good

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
In accurate information was shared for profit illegally without my consent to other third-party companies. Also, I do not recognize any of the accounts that have negatives on it including payment history collections delinquencies charge offs this is not my account that is not even my name. My name is XXXX XXXX XXXX not XXXX XXXX Without the proper due diligence. My name and credit was smudged and then also sold XXXX XXXX, XXXX XXXX XX/XX/XXXXandXX/XX/XXXXhave already made the proper adjustments so have the FTC after I filed for identity theft XXXX has now been contacted on this matter if you do not comply within 14 days, My Attorney will seek further actions until this situation is resolved XX/XX/XXXX XXXX XX/XX/year>XX/XX/XXXXRe : FINAL ORDERIMMEDIATE REMOVAL OR VERIFIED CORRECTION OF DISPUTED ACCOUNXX/XX/XXXXTO WHOM IT MAY CONCERN : This is * * your absolute, final, and legally binding order * *. You are * * forced by law and natural justice * * to * * cease all reporting * * of this account * * unless you produce lawful, original, signed proof of ownership and verification * * within * * 30 days * *. 

* * Failure * * to comply * * will be * * considered * * flagrant violation of federal law and property rights * *, and I will * * pursue every legal remedy available * * including damages, fines, criminal sanctions, and public exposure. 

You * * have no authority * * to report or investigate * * without lawful, signed consent * *. 
* * Unverifiable, unlawful, or outdated data * * * * must be removed * * * * immediately * * and * * all updates * * without lawful verification * * are invalid * *. 

* * This is your FINAL warning. * * * * Respond within 30 days * * with * * full, certified proof * * or * * face the full weight of the law * *. 

* * Your neglect or refusal to act * * * * will be used against you * * in court and regulatory proceedings. 

* * Respectfully, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: Experian Information Solutions Inc.
State: GA

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

15 U.S.C 1681 section 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: SC

Complaint narrative:
I am submitting this complaint to formally notify the Federal Trade Commission of ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to request immediate enforcement action. 

I have contacted all three nationwide credit reporting agenciesEquifax, Experian, and TransUnionto dispute negative, inaccurate, and fraudulent information appearing on my credit reports, including collections and late payments that do not belong to me. Despite following the dispute process required under 15 U.S.C. 1681i, the agencies have refused to remove or correct this information. 

Furthermore, the agencies are required to block reporting of fraudulent information once notified. Their continued refusal to do so is a direct violation of federal law and exposes me to further financial and reputational harm. 

I have already contacted the Consumer Financial Protection Bureau ( CFPB ), which is reviewing this matter. However, due to the seriousness of these ongoing violations and the data security failures of all three agencies, I am also requesting FTC intervention to ensure compliance and enforcement. 

I am therefore demanding the immediate removal of all negative, unverifiable, and illegal reporting from my credit files. These items are the result of fraud, identity theft, and unlawful reporting practices. 

I respectfully request that the FTC take immediate enforcement action to hold the credit reporting agencies accountable for both their failure to safeguard consumer data and their refusal to comply with the FCRAs dispute and fraud-blocking requirements. 
Sincerely, 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 2025-09-21 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: SC

Complaint narrative:
I am submitting this complaint to formally notify the Federal Trade Commission of ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to request immediate enforcement action. 

I have contacted all three nationwide credit reporting agenciesEquifax, Experian, and TransUnionto dispute negative, inaccurate, and fraudulent information appearing on my credit reports, including collections and late payments that do not belong to me. Despite following the dispute process required under 15 U.S.C. 1681i, the agencies have refused to remove or correct this information. 

Furthermore, the agencies are required to block reporting of fraudulent information once notified. Their continued refusal to do so is a direct violation of federal law and exposes me to further financial and reputational harm. 

I have already contacted the Consumer Financial Protection Bureau ( CFPB ), which is reviewing this matter. However, due to the seriousness of these ongoing violations and the data security failures of all three agencies, I am also requesting FTC intervention to ensure compliance and enforcement. 

I am therefore demanding the immediate removal of all negative, unverifiable, and illegal reporting from my credit files. These items are the result of fraud, identity theft, and unlawful reporting practices. 

I respectfully request that the FTC take immediate enforcement action to hold the credit reporting agencies accountable for both their failure to safeguard consumer data and their refusal to comply with the FCRAs dispute and fraud-blocking requirements. 
Sincerely, 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 2025-09-21 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: GA

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

15 U.S.C 1681 section 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: EQUIFAX, INC.
State: GA

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

15 U.S.C 1681 section 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: FL

Complaint narrative:
Subject : Formal Dispute and Demand for Deletion Unauthorized Accounts I am writing to dispute the inaccurate and unauthorized information that appears on my TransUnion credit report. I demand that you enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires you to provide me with the procedures used to verify the disputed items. If you are unable to verify their accuracy, these items must be removed immediately, as they are negatively affecting my financial situation and that of my family. 

Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a fundamental right to privacy regarding my financial information. Further, 15 U.S.C. 1681 ( a ) ( 4 ) emphasizes the importance of maintaining accuracy and safeguarding consumer credit information. 

No permissible purpose, as outlined in 15 U.S.C. 1681b ( 2 ), has been established for TransUnion to continue reporting these accounts. The presence of this information is a violation of my rights. 

Moreover, 18 U.S.C. 1028A addresses the unlawful use of personal information, which is a federal crime. Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block information that results from identity theft when provided with a valid report. Enclosed is my FTC Identity Theft Report ( No. XXXX, filed XX/XX/year> ) XXXX XXXX XXXX FTC Accounts as proof of my dispute. 

Disputed Accounts XXXX XXXX Account No. XXXX XXXX Account No. XXXX These accounts are unauthorized, inaccurate, and unverifiable. Their reporting violates 15 U.S.C. 1681s-2, which prohibits furnishers from reporting information known to be inaccurate. 

Requested Resolution Delete these accounts immediately from my TransUnion credit file. 

Provide me with a written response within 30 days confirming the deletion and outlining the steps taken to investigate this dispute. 

Notice of Intended Action If you fail to comply, I will escalate by : Contacting my State Attorney General Pursuing civil remedies under 15 U.S.C. 1681n & 1681o for statutory damages, actual damages, and claims for defamation and emotional distress. 

This matter is urgent and directly affecting my financial well-being. I expect TransUnions full compliance with the FCRA, GLBA, and related federal laws. 

Sincerely, 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 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: HI

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus XXXX XXXX XXXX or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation