vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The bankruptcy being reported on my credit file is inaccurate, incomplete, and unverifiable in violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681. Each bureau reports conflicting data TransUnion lists a XX/XX/XXXXXXXX bankruptcy dismissed with referenceXX/XX/XXXXXXXX ; Experian lists Bankruptcy XX/XX/XXXX - dismissed under a different court code ; and Equifax lists Bankruptcy : Dismissed XXXX with no verifiable source. These discrepancies prove the data is not consistent with the original public record as required by FCRA 607 ( b ) ( maximum possible accuracy ).

The U.S. Bankruptcy Court does not furnish or verify consumer data to credit bureaus, meaning this reporting relies on unverified third-party sources ( e.g., XXXX, XXXX ) XXXX which violates FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ). When a record can not be verified directly with the furnisher, it must be deleted immediately.

Additionally, the reporting exceeds the allowable timeframe under FCRA 605 ( a ) ( 1 ) and 605 ( a ) ( 2 ) and continues to cause harm in violation of FCRA 602 ( A ). I request deletion of this unverifiable and inaccurate bankruptcy from all credit files within 15 days under FCRA 611 ( a ) ( 1
). Continued reporting after this notice will constitute willful noncompliance under 616 and negligent noncompliance under 617.

The bankruptcy reported on my credit file violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), Metro 2 data reporting standards, and established case law. Each bureau ( TransUnion, Experian, Equifax ) lists inconsistent or incomplete information for a XX/XX/XXXXXXXX bankruptcy ( Ref.XX/XX/XXXXXXXX ) that can not be verified directly with the U.S. Bankruptcy Court. Courts do not furnish consumer data to credit bureaus or third parties, as confirmed in XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX ) and XXXX XXXX TransUnion XXXX, XXXX XXXX XXXXXX/XX/XXXX 
Reporting this unverifiable record violates FCRA 607 ( b ) ( maximum possible accuracy ) and 611 ( a ) ( 1 ) ( A ) ( reinvestigation duties ). Continuing to publish unverifiable or inconsistent public record data violates CFPB Bulletin XXXX and Metro 2 Compliance Condition Codes 012 and 039, which require deletion or correction when verification can not be confirmed.

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 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Transaction on XX/XX/year> for total of {$380.00} on my Affirm account with XXXX under XXXX XXXX. I put in a dispute immediately that day. They responded a few days later saying they did not get any proof that I did not owe it and that the money is still due. They said I could file an appeal by getting a police report and said this might help. When I tried to get a police report online it says I have to file and get a case number with the FTC at report XXXX XXXX and when I went to the site to file it said they are not operating due to the government shut down. I will attach. Also when I researched the XXXX purchase by going to their website, I tried calling them on customer service and sales line and it went directly to a mailbox that was full without a company name given. Also the chat on their website was fake. When I try to chat it pretends like it is thinking of an answer and never responds. I will attach the XXXX website info with the phone number on it also. I told this to Affirm when I called to appeal and said they must have not researched this, they did not respond and just said try getting a police report and it might help. They did not seem concerned at all about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I purchased four Western Union money orders ( each for {$500.00} ) at XXXX in XXXX XXXX, FL, on XX/XX/year>, and deposited them into my landlords account at XXXX XXXX  the same day. 

The serial numbers of the money orders are : XXXX XXXX XXXX XXXX The agent number where the money orders were purchased is XXXX ( XXXX XXXX  in XXXX XXXX, FL ). 

On XX/XX/XXXX, XXXX returned all XXXX money orders stamped XXXX to XXXX. Western Union claims that all money orders were paid on XX/XX/XXXX, and that a second payment attempt occurred afterward but they never reviewed or commented on the XXXX to XXXX documentation I sent. 

I have opened XXXX separate cases with Western Union, including XXXX, XXXX and XXXX, and each one was closed without any proper review of the XXXX to XXXX evidence. This evidence is the key to understanding what happened to the funds, yet it was ignored in every investigation. 

Western Union continues to say the items were paid, while the bank returned them to the maker. This contradiction has left {$2000.00} unaccounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have two inquiries from the same card an only filled out one application!

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 2025-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IN

Complaint narrative:
I submitted a validation request regarding a collection account youre reporting, and the documentation you provided does not meet the legal requirements to verify ownership of the debt. Your agency is in violation of 15 U.S. Code 1692e - false and misleading representation of this fraudulent account. 

You are attempting to collect a debt that you HAVE NOT PROVEN OWNERSHIP, and you failed to properly investigate the account. You have also not provided a chain of title or purchase agreement showing that you have legal authority to collect this debt. 

Because of this, the account remains legally unverified and should not be reported. 

I am not an uninformed consumer, BILLING STATEMENTS OR BILL OF SALE DOES NOT PROOF OWNERSHIP OR VALIDATION/VERIFICATION OF DEBT. The court case I mentioned above XXXX XXXX XXXX XXXX XXXX XXXX, XXXX So. XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX ), the debt collector failed to properly provide ownership of debt, there is case law to prove you MUST provide me the things I'm requesting and to cease and desist all communication with everyone, including the consumer reporting agencies until you provide the XXXX things I'm requesting from you. 

The documents you sent me ( Lease, State Disclosures, Move Out Statement, Validation Of Debt - which you provided no assignment letter or purchase agreement attached.... ) do not provide verification of the debt as I have attached what you sent to me and responded with. 

More importantly, you've increased the balance of my account multiple times without providing ANY documentation that you own the debt or have properly verified this debt ( I have provided the screenshots below ). This is a violation of 15 U.S. Code 1692e ( 2 ) ( A ) which prohibits the false representation of " the character, amount, or legal status '' of a debt and 1691f ( 1 ) which forbids collecting any amount not expressly authorized by the AGREEMENT ( which you failed to provide between me and YOU ) or permitted by law. 

See case XXXX v XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) - the debt collector was caught adding collection fees as a percentage of the outstanding balance instead of the actual costs incurred, which violated 15 U.S. Code 1692f ( 1 ). 

You're reaging the account which is also a FCRA violation. 

Additionally, due to your failure to verify and properly respond, I have already filed a report with the XXXX  and SAG regarding this account and your handling of the dispute Account : XXXX XXXX, Account Number : XXXX Please see the attached letter for full documentation and dispute details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Date : XX/XX/year> Subject : Formal Complaint Repeated Account Suspensions and Poor Fraud Handling by Comenity Bank XXXX XXXXXXXX XXXX XXXX  XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally report repeated and unresolved account management issues with Comenity Bank, issuer of the XXXX Credit Card. 
Since opening my account, Comenity Bank has flagged my account for fraud at least XXXX times, each time cutting off my card without warning. These interruptions have caused significant inconvenience and public embarrassment despite my being an exemplary customer. 
To clarify my account history : I have never missed or been late with a payment. 
My XXXX XXXX is XXXX. 
I have paid the balance in full each month. 
I have earned hundreds of dollars in travel rewards through consistent, responsible use. 
Each suspension was attributed to fraud alerts, but Comenity Bank has never identified any fraudulent activity or notified me when this occurred. This suggests a pattern of systemic failure in their fraud detection or account management process. I have already contacted Comenity Bank directly to request correction and written assurance that my account will remain active. If they can not fix the issue, I am asking for assistance in redeeming my earned travel rewards and closing the account without penalty or negative impact on my credit history.

I respectfully request that the CFPB investigate Comenity Banks fraud-handling practices, communication failures, and any potential systemic flaws that may unfairly impact responsible consumers.

I appreciate your time and attention to this matter and am happy to provide documentation of correspondence with the bank upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this seventh follow-up complaint to dispute the continued reporting of multiple charge-off accounts inaccurately reflected on my credit file. These accounts are being listed as Profit and Loss or Charged Off with outstanding balances, even though they have been forgiven, settled, or written off without any corresponding IRS Form XXXX filing, which is legally required when a creditor cancels or forgives a debt of {$600.00} or more. 
Accounts in Dispute : XXXX BANK XXXX Balance : {$5900.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$6000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$11000.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$4500.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$940.00} Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information reported. Continuing to report these accounts as charge-offs or profit-and-loss write-offs without proper documentation of debt forgiveness is incomplete, misleading, and inaccurate. 
Pursuant to XXXX XXXX. XXXX, a creditor is required to file IRS Form XXXX when a debt of {$600.00} or more is cancelled or forgiven. The issuance of this form signifies that the debt has been legally XXXX and can no longer be reported as an outstanding or collectible obligation. The failure of creditors to issue this form while maintaining charge-off or profit and loss reporting constitutes both tax reporting noncompliance and credit reporting inaccuracy.FCRA 623 ( a ) ( 1 ) ( A ) prohibiting furnishers from reporting information they know or should know is inaccurate.

FCRA 607 ( b ) requiring maximum possible accuracy in consumer reporting.

FCRA 611 ( 15 U.S.C. 1681i ) giving me the right to dispute information and requiring full reinvestigation and verification by the bureau and data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
i have recently checked my credit report and there are several open collections and debt attemped to be collected that i did not authorize nor did i give my information to these companies. On XXXX a business card from American express was opened and now has a debt of {$2700.00}. I never applied nor gave my information to this company. Along with Multiple credit cards from XXXX XXXX, XXXX, XXXX XXXX and XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I previously filed for bankruptcy and satisfied the debt the arears and the payments going forward until settled or discharged the remaining balance of the mortgage did not reflect the payments that were paid to the trustee and what was to be applied toward the mortgage balance due i did not get credit for approximately {$82000.00} that was to be applied to my mortgage balance at the time, the bankruptcy balance for the mortgage was XXXX total to be paid, I sold the home in XX/XX/year> and the remaining mortgage balance paid in full was XXXX i did not agree with the balance owed and i would really appreciate a full investigation and get my money back that was not applied to the mortgage which was the {$82000.00} thank you 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 explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The bankruptcy being reported on my credit file is inaccurate, incomplete, and unverifiable in violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681. Each bureau reports conflicting data TransUnion lists a XX/XX/XXXXXXXX bankruptcy dismissed with referenceXX/XX/XXXXXXXX ; Experian lists Bankruptcy XX/XX/XXXX - dismissed under a different court code ; and Equifax lists Bankruptcy : Dismissed XXXX with no verifiable source. These discrepancies prove the data is not consistent with the original public record as required by FCRA 607 ( b ) ( maximum possible accuracy ).

The U.S. Bankruptcy Court does not furnish or verify consumer data to credit bureaus, meaning this reporting relies on unverified third-party sources ( e.g., XXXX, XXXX ) XXXX which violates FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ). When a record can not be verified directly with the furnisher, it must be deleted immediately.

Additionally, the reporting exceeds the allowable timeframe under FCRA 605 ( a ) ( 1 ) and 605 ( a ) ( 2 ) and continues to cause harm in violation of FCRA 602 ( A ). I request deletion of this unverifiable and inaccurate bankruptcy from all credit files within 15 days under FCRA 611 ( a ) ( 1
). Continued reporting after this notice will constitute willful noncompliance under 616 and negligent noncompliance under 617.

The bankruptcy reported on my credit file violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), Metro 2 data reporting standards, and established case law. Each bureau ( TransUnion, Experian, Equifax ) lists inconsistent or incomplete information for a XX/XX/XXXXXXXX bankruptcy ( Ref.XX/XX/XXXXXXXX ) that can not be verified directly with the U.S. Bankruptcy Court. Courts do not furnish consumer data to credit bureaus or third parties, as confirmed in XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX ) and XXXX XXXX TransUnion XXXX, XXXX XXXX XXXXXX/XX/XXXX 
Reporting this unverifiable record violates FCRA 607 ( b ) ( maximum possible accuracy ) and 611 ( a ) ( 1 ) ( A ) ( reinvestigation duties ). Continuing to publish unverifiable or inconsistent public record data violates CFPB Bulletin XXXX and Metro 2 Compliance Condition Codes 012 and 039, which require deletion or correction when verification can not be confirmed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: VA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). Harassment under 15 USC 1692d ( Section 806 ). Recently, I received notice that your investigation
was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately 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 2025-10-27 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. This debt is past 7 years, the date opened on the account was XX/XX/year>. It is XXXX to report a debt after 7 years on my credit report! 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681c - Time limit on reporting!

15 U.S.C. 1692f - Unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: Credit Systems International, Inc.
State: GA

Complaint narrative:
There are many items on my report that I didnt do nor did I give anyone authority to do so on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Dear, LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX I am writing in response to your attempt to collect on my credit report as of XX/XX/XXXX, regarding the alleged debt. Under the Fair Debt Collection Practices Act, Section 809 ( b ), I am requesting validation of this debt.

Please provide me with the following information : -The amount of the debt ; -The name of the original creditor ; -Documentation proving that I have a legal obligation to pay this debt ; -Verification that the debt is within the statute of limitations. 

I would like to remind you that until this debt is validated, all collection activities must cease. This request is not an acknowledgement of the debt, but a statement of my rights to dispute the debt until it is properly validated. 

Thank you for your attention to this matter. I respect your response within the legally mandated timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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:
XXXX is reporting a 30-day late payment for XX/XX/year> on my account ( Account Number : XXXX XXXX XXXX XXXX  ), but I have not been provided with any certified documentation showing that my payment was actually more than 30 days past due. The account is currently open and in good standing, and I have continued to make payments in good faith. 

I contacted the company and requested verification of the alleged delinquency, including the billing date, due date, and the date the payment was received and applied. To date, no documentation has been provided to support this late payment notation.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), furnishers are required to report only accurate and verifiable information. Since no verifiable proof has been provided to support the reported 30-day delinquency, I dispute the accuracy of this late payment entry as potentially incorrect or unsubstantiated.

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