vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
LVNV Funding LLC XXXX. XXXX XXXX XXXX, SC XXXX Subject : Cease and Desist Unlawful Collection Activity Dear LVNV Funding LLC, I am writing to formally demand that you cease and desist all forms of communication and collection activity regarding the alleged debt you claim I owe, Account Number : XXXX. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I am exercising my right to request that you stop all communication with me, including but not limited to letters, phone calls, emails, text messages, or contact through third parties regarding this alleged debt. 

Additionally, I dispute the validity of this alleged debt. I request that you provide proper validation of the debt as required under 15 U.S. Code 1692g ( b ). Until you provide proper documentation, including but not limited to : Proof that I am legally obligated to pay the debt, A full accounting of the debt, including original creditor and itemization of charges, Proof of your legal authority to collect this debt, you are required to halt all collection efforts, including any reporting to credit bureaus. 

If you fail to comply with this request and continue to engage in collection activity, I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. I also reserve the right to take legal action against you for violations of the FDCPA and any other applicable state or federal laws.This letter is being sent via certified mail, return receipt requested, to ensure receipt and to maintain a record of this correspondence. Keep a copy of this letter in your records. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: VA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$520.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$42000.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$34000.00} XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$1500.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My information was a part of a data breach and my credit profile was coincided with another person with the same name as me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 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 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 2025-07-17 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: CA

Complaint narrative:
Account XXXX XXXX XXXX Inquiries XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX I am reporting a fraudulent account and fraudulent inquiries found in 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 2025-07-17 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: NY

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX, I attempted to deposit cash at the drive-through ATM ( left side ) at the Huntington Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX. I used my XXXX XXXX XXXX Account debit card. The ATM accepted the cash but did not deposit the funds or issue a receipt. My card

was returned, but the money was not credited. I contacted Huntington Bank four times twice in person and was told they could not help me because I do not have a checking account with them. They refused to investigate, despite the ATM being their property. They insisted that I can't dispute the charge as I don't have an account with them. 

I then contacted XXXX, who told me that Huntington is responsible for the funds because the ATM processed the transaction. They also noted an overcharge in the account and said Huntington should refund the money.

As of now, I have received no resolution or refund from either institution. My cash deposit is missing, and both parties are deflecting responsibility. I am seeking help to have this incident investigated and my funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
I have submitted a formal FCRA 605B identity theft block request along with a notarized affidavit attesting to the fact that I did not open or authorize the disputed accounts. These documents were sent directly to TransUnion, yet they continue to report the fraudulent information. This is a direct violation of my rights under 15 U.S.C. 1681c-2 and 1681i.

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 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
My home was destroyed by a tornado in XX/XX/2025. My insurance provider approved a {$47000.00} claim for structural damage and issued a check in early XX/XX/2025, made payable to both me and my mortgage servicer. 

The check was either received or endorsed by the mortgage servicer ( PHH Mortgage Services ), yet they have not disbursed the funds as of XX/XX/2025 over a month later. 

I submitted all required documentation, including proof of loss, damage estimates, and identification. I also sent a formal letter to the mortgage company demanding the release of funds. 

This is forced-place insurance, not a policy I selected. The {$47000.00} is less than one-third of the actual rebuilding cost, and the delay is preventing me from making essential repairs or securing stable housing. 

I am displaced, without permanent shelter or income, and urgently need the funds to begin recovery. PHH Mortgages refusal to release the approved insurance proceeds is causing severe financial and emotional harm. 

I am requesting that CFPB intervene and compel the company to immediately release the insurance claim funds as required under standard servicing guidelines and disaster recovery protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
A fair resolution would be the permanent deletion of the inaccurate late payment reported under the following account : XXXX Account Number : XXXX The creditor failed to provide proper notice of payment due dates or any missed payment, which deprived me of the opportunity to resolve or prevent the delinquency. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i ( a ).

If the creditor can not verify that they provided clear and timely payment reminders, the late mark must be considered unverified and inaccurate and should be removed.

I am requesting : A full reinvestigation of the account Written confirmation of the investigations findings Deletion of the late payment from my credit report if the furnisher can not prove proper notice An updated credit report reflecting these changes If this issue is not resolved fairly within the FCRA-required 30-day window, I will proceed with escalating the matter through regulatory and legal channels.

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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
CFPB ( Consumer Financial Protection Bureau ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Regarding Violation of the Fair Credit Reporting Act ( FCRA ) Dear CFPB Representative, I am submitting this formal complaint regarding XXXX reporting practices, which violate my rights under the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681 602, I have the right to privacy, and under 15 USC 1681 604 ( a ) ( 2 ), a consumer reporting agency can not furnish my account information without my explicit consent. Additionally, per 15 USC 1681b ( 2 ) and 15 USC 1666b, creditors may not report payments as late under an open-end credit plan when paid within the agreed timeframe.

I have requested XXXX  to correct these inaccuracies but seek the assistance of the CFPB to ensure this matter is fully resolved and my credit file updated accurately.

Thank you for your assistance in protecting my rights. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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 XXXX XXXX NC XXXX ACCOUNTS : XXXXXXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX  Date : 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 2025-07-17 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: PA

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b.

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

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 2025-07-17 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Credit Report Fraud Information Benefits Thats Fraud XXXX XXXX XXXXXXXX Thats Fraud XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  thats fraud XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Thats Fraud Transunion Credit Report Fraud Information XXXXXXXX XXXX Thats Fraud XXXX  XXXX XXXX XXXX its fraud XXXXXXXX XXXX XXXX XXXX This is fraud XXXX XXXX XXXX This account is Fraud Hard inquires XXXX XXXX XXXX Fraud inquiry XXXX XXXX XXXX XXXXXX/XX/year> fraud inquiry Experian Credit Report Fraud Information XXXX XXXX XXXX and XXXXXXXX XXXX XXXX these are fraud Collections- XXXX XXXX XXXX Fraud XXXXXXXX XXXX XXXXXXXX this is also fraud XXXX XXXX XXXX this is fraud Credit cards- arent mines never had XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulents accounts on my report, Please remove all accounts from my report, they are hurting my ability to obtain credit

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